HOME RATES ABOUT SERVICES VIDEOS BLOG CONTACT ME TEAM

My Rates

6 Months 3.14%
1 Year 3.19%
2 Years 3.19%
3 Years 3.19%
4 Years 3.24%
5 Years 2.84%
7 Years 3.49%
10 Years 3.54%
1 Year Open 3.95%
*Rates subject to change and OAC
AGENT LICENSE ID
G2583
BROKERAGE LICENSE ID
E8889
George Calandrino Mortgage and Real Estate Broker

George Calandrino

Mortgage and Real Estate Broker


Phone:
Address:
495 St. Martin Ouest #203, Laval, Quebec

BROWSE

PARTNERS

BROWSE

PARTNERS

COMPLETE

THE SURVEY

REFER

A FRIEND

You just signed an offer to purchase and now you need financing; looking to renovate and need funding; looking to tap into your home's acquired equity - I can help you with that. I have to start by apologizing - I don’t sell mortgages – I offer financing solutions. In today’s ever changing lending criteria, you need someone who can work with you and manage the criteria. I listen to your needs, your current situation and how you want the mortgage to work for you. I will design a solution for you that will get you in the home you signed for; get the renovations done or get you the equity for the project you've been planning for.
What will I do for you?
I work for you
Your interests are my priority
I deliver on-time approvals
I will keep you informed throughout the whole process – till the notary date
I am available to answer your questions
You reached my voicemail – no worries, I return my calls promptly
I will ALWAYS make sure that you get the best design possible

If you want clear and stress-free information, call me at 514-772-3934. It will be my pleasure to assist you in this exciting yet heart pounding experience.


BLOG / NEWS Updates

Almost no annual growth for national HPI

The national HPI has grown at a below-inflation rate of 0.5% over the last 12 months, the smallest gain since November 2009. Moreover, the fact that monthly gains are reported for May and June does not mean that the market recently turned the corner. These two months typically register the strongest growth rates in a year. Indeed, the two latest rises were among the weakest in history for months of May and June. If seasonally adjusted, the national HPI would been down in both months this year. However, the weakness is not regionally broad-based. The national HPI was dragged down by 12-month home price declines in Western Canada metropolitan areas (Vancouver, Calgary, Edmonton and Winnipeg) and a tiny increase in Victoria. In Central Canada and in the East, home price growth ranges from decent to strong (left chart). This is consistent with the state of home resale markets. For example, the Vancouver market turned favorable to buyers at the end of last year, while the Toronto market remained balanced and Montreal’s market has never been this tight since 2005. That being said, a rebound in home sales recently occurred in Canada which was also felt in the largest Western metropolitan areas. This should help limit home-price deflation in these areas. The Teranet–National Bank Composite National House Price Index increased 0.8% in June, a second gain in a row after an eight-month string without a rise. Highlights: On a monthly basis, the index rose in 8 of the 11 markets covered: Winnipeg (0.1%), Quebec City (0.3%), Montreal (0.8%), Toronto (1.3%), Halifax (1.5%), Hamilton (+1.6%), Victoria (+2.1%) and Ottawa-Gatineau (+2.2%). The index was down in Calgary (-0.1%) and Vancouver (-0.3%), and flat in Edmonton. From June 2018 to June 2019, the Composite index rose 0.5%, the smallest 12-month gain in ten years. The HPI declined in Vancouver (-4.9%), Calgary (-3.8%), Edmonton (-2.6%) and Winnipeg (-0.4%). It was up in Victoria (0.3%), Quebec City (1.5%), Halifax (2.7%), Toronto (2.8%), Hamilton (4.8%), Montreal (5.4%) and Ottawa-Gatineau (6.3%). Source: National Bank Financial Markets; Marc Pinsonneault

NORTHERN STAR (FOR NOW...)

In contrast to the US, Canadian growth is accelerating sharply going into the second quarter, following a solid gain in domestic demand to start the year. Fast, and accelerating, population growth, and remarkably strong employment growth are providing a solid underpinning to consumer spending and the housing market. Positive export data suggest that the ongoing strength in domestic demand will be buttressed by net exports in the second quarter, and possibly beyond. Canadian inflation is at the Bank of Canadas target, in sharp contrast to the US, where it has moved away from the Feds objective. This gives the BoC room to keep rates on hold if inflation remains on target. Downside risks remain important and are all linked to US-centric developments, with worries about US trade policy ongoing despite the pause with China. Recent Canadian developments stand in sharp contrast to events in much of the rest of the world. Whereas US growth is clearly decelerating, Canadian growth is on an upswing, with recent indicators pointing to a very sharp rebound from a somewhat sluggish start to the year. Canadians appear to be, for the time being, largely insulated from the broader malaise facing the global economy as consumer and business confidence has improved sharply in recent quarters, owing to strong sales and job creation. While there are a number of factors suggesting that the growth rebound observed will persist through 2020, there is a risk that a divergence between Canadian and US outcomes may not last. Source: Scotiabank Economics

MY LENDERS

TD Bank Scotia Bank Attain Mortgage First National MCAP B2B Bank
Home Trust Merix Equitable Bank Street Capital CMLS Fisgard Capital
ICICI Bank Optimum  RMG Mortgages Bridgewater Marathon Mortgages