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My Rates

6 Months 3.14%
1 Year 3.04%
2 Years 3.19%
3 Years 3.39%
4 Years 3.54%
5 Years 3.34%
7 Years 3.79%
10 Years 4.09%
6 Months Open 6.70%
1 Year Open 3.95%
*Rates subject to change and OAC
AGENT LICENSE ID
G2583
BROKERAGE LICENSE ID
E8889
George Calandrino Mortgage Broker

George Calandrino

Mortgage Broker


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

BROWSE

PARTNERS

COMPLETE

THE SURVEY

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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

Bank of Canada maintains overnight rate target at 1 ¾ per cent

The Bank of Canada today maintained its target for the overnight rate at 1 per cent. The Bank Rate is correspondingly 2 per cent and the deposit rate is 1 per cent. The global economic expansion continues to moderate, with growth forecast to slow to 3.4 per cent in 2019 from 3.7 per cent in 2018. In particular, growth in the United States remains solid but is expected to slow to a more sustainable pace through 2019. However, there are increasing signs that the US-China trade conflict is weighing on global demand and commodity prices. Global benchmark prices for oil have been about 25 per cent lower than assumed in the October Monetary Policy Report (MPR). The lower prices primarily reflect sustained increases in US oil supply and, more recently, increased worries about global demand. These worries among market participants have also been reflected in bond and equity markets. The drop in global oil prices has a material impact on the Canadian outlook, resulting in lower terms of trade and national income. As well, transportation constraints and rising production have combined to push up oil inventories in the west and exert even more downward pressure on Canadian benchmark prices. While price differentials have narrowed in recent weeks following announced mandatory production cuts in Alberta, investment in Canadas oil sector is projected to weaken further.

Largest portions of household budgets go to shelter and transportation

Shelter remained the largest budget item for households in 2017, at 29.2% of their total consumption of goods and services. Spending on transportation, the second-largest expenditure category, accounted for 19.9% of total consumption, followed by food expenditures at 13.4%. Households spent an average of $18,637 on shelter, up 3.4% from 2016. Included in this total was an average of $16,846 paid for principal residence (which includes rent, mortgage payments, repairs and maintenance costs, property taxes and utilities) and an average of $1,791 for other accommodation, such as hotels and owned secondary residences. In 2017, two out of every three Canadian households owned their home, and more than half of homeowners had a mortgage. Homeowners with a mortgage spent an average of $25,904 on their principal residence, compared with $9,642 for homeowners without a mortgage and $13,499 for renters. Canadian households paid $12,707 for transportation in 2017, up 6.7% from 2016. They spent an average of $11,433 on private transportation, which includes the purchase of cars, trucks and vans, as well as their operating costs. Households, on average, spent $2,142 on gasoline and other fuels in 2017, up 9.8% from 2016, reflecting the 11.8% annual average increase in gasoline prices. Spending on public transportation, which covers public transit, taxis, intercity buses, trains and air fares, remained relatively unchanged at $1,274. In 2017, 84.0% of households owned or leased a vehicle. Vehicle ownership was highest in rural areas (94.9%) and lowest in cities with a population of at least one million residents (79.0%).

MY LENDERS

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