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My Rates

2 Years 3.04%
3 Years 2.99%
4 Years 2.99%
5 Years 2.59%
7 Years 4.14%
10 Years 3.90%
*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

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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

Bank of Canada maintains overnight rate target at 1 ¾ percent

The Bank of Canada today maintained its target for the overnight rate at 1 percent. The Bank Rate is correspondingly 2 percent and the deposit rate is 1 percent. The global economy is showing signs of stabilization, and some recent trade developments have been positive. However, there remains a high degree of uncertainty and geopolitical tensions have re-emerged, with tragic consequences. The Canadian economy has been resilient but indicators since the October Monetary Policy Report(MPR) have been mixed. Data for Canada indicate that growth in the near term will be weaker, and the output gap wider, than the Bank projected in October. The Bank now estimates growth of 0.3 percent in the fourth quarter of 2019 and 1.3 percent in the first quarter of 2020. Exports fell in late 2019, and business investment appears to have weakened after a strong third quarter. Job creation has slowed and indicators of consumer confidence and spending have been unexpectedly soft. In contrast, residential investment was robust through most of 2019, moderating to a still-solid pace in the fourth quarter.

LISTINGS FALL AGAIN TO END 2019, PUSHING PRICES HIGHER

Canadian Real Estate Association data show that national-level home sales fell 0.9% (sa m/m) in December 2019 after rising in the previous nine months. Limited availability looks to be increasingly weighing on sales activity. The month saw another broad-based decline in new listings18 of the 31 centres for which we have data witnessed fallsthat lifted the national sales-to-new listings ratio to 66.9%. It was the highest ratio since 2004 and a third straight month of supply- demand conditions tilted in favour of sellers (after data revisions). Fourteen cities reported sellers market conditions; the rest were balanced. The aggregate MLS Home Price Index (HPI) rose 3.4% (nsa y/y), its best gain since March 2018. Montreal remained Canadas tightest local market, with rising sales and falling listings leading to yet another record-high sales-to-new listings ratio and the citys steepest y/y MLS HPI gains since 2005. Ottawas ratio also reached a new high as new listings plunged by more than 20% (sa m/m), driving a record 12.5% (nsa y/y) MLS HPI increase. Toronto also crept into sellers market territory for the first time since March 2017as in Montreal, home purchases rose and new listings felland its 7.3% (nsa y/y) HPI rise was the sharpest since 2017. Click here for more. Source: Scotiabank Economics

MY LENDERS

TD Bank Scotia Bank Attain Mortgage First National MCAP B2B Bank
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ICICI Bank Optimum  RMG Mortgages Bridgewater Marathon Mortgages