My Rates

6 Months 3.04%
1 Year 4.74%
2 Years 4.89%
3 Years 4.94%
4 Years 4.99%
5 Years 5.19%
7 Years 5.59%
10 Years 5.75%
6 Months Open 5.75%
1 Year Open 3.45%
*Rates subject to change and OAC
Kam Shaw Mortgage Agent

Kam Shaw

Mortgage Agent

813 Dundas St W, Whitby, Ontario







INNOVATIONS comes from being a Risk Taker;
INTEGRITIES comes from being Accountable;
RELATIONSHIPS comes from being Honest;
SUCCESS comes from being Persistent;
Have Faith stay safe and well!

attain Mortgage

More than just Mortgages. We can help you build your future.

attain Mortgage

More than just Mortgages. We can help you build your future.

I'm Equifax certified

I'm certified through the Equifax Credit Professional Program.

BLOG / NEWS Updates

First Time Buyers

There are many factors to consider when choosing your mortgage type for the first time. Rates, features, options, market trends, and long term goals should all be taken into account when choosing your mortgage. Below we have outlined some of these important considerations. First Time Buyers Purchasing your first home as be an exciting yet scary process. Knowing where to start can make that process a little bit easier. First off, if youre reading this youve already taken the first step. Understanding how you qualify for a mortgage and what you can afford will help you make a more informed buying decision. We encourage you to read the other Resource sections for information about qualifying for a mortgage. Steps in the home buying proceess: Step 1 Determine what you can afford and qualify to purchase: Your mortgage advisor will be looking at your income and down payment to determine this and get you a pre-approval. Step 2 Connect with a realtor: Using a realtor can making finding the right home easier. Realtors have access to information and insight into the housing market that can aid your search. Step 3 Make an offer to purchase: Once you have found a property, you will make an offer on the property with your realtor. Be prepared to negotiate back and forth a few times. You will need do give a deposit with the accepted offer. This deposit will count towards your down payment and closing costs. Step 4 Convert your pre-approval to a full approval: Once your offer is accepted, make sure your mortgage advisor has a clear copy of the purchase agreement and MLS listing. They will use this information to get you a full approval from a lender. An appraisal might be require dby the lender. Step 5 Signing mortgage documents: Once your mortgage advisor has collected the required documents to meet the lenders approval conditions they will meet with you to sign the mortgage commitment documents. The required documents will be sent back to the lender who will then send mortgage instructions to your lawyer. Step 6 Signing with your lawyer: The lawyer will prepare the mortgage and registration documents once they have received the insturctions from the lender. You will then meet with the lawyer and sign the documents with them. Step 7 Get your keys move in: Once the lawyer has received the funds from the lender and completed the registration on the title and mortgage they will contact you to let you know that you can pick up your keys. First Time Buyer Benefits As a first time buyer have 2 major benefits. The Home Buyers Withdrawal Plan allows you to withdraw money that you have contributed to your RRSP up to a maximum of $25,000 to use towards the purchase of a qualifying home. The funds have to be repaid to your RRSP over a 15 year period starting 2 years after the withdrawal. For more information on the Home Buyers Withdrawal Plan visit the Government of Canadas website. Home Buyers Withdrawal Plan link The other major benefit is that of the land transfer tax rebate. You can get more information about the land transfer tax from the Government of Ontarios website. Land Transfer Tax Rebate link Go back to blog

High Ratio vs Conventional Mortgages

High Ratio vs Conventional Mortgages The difference between a High Ratio and a Convetional Mortgage is determined by your down payment. A mortgage is called a high ratio mortgage when the down payment is less than 20% of the purchase price. Another way of saying that is that the ratio of the mortgage to the purchase price is greater than 80%, hence high ratio. The current maximum amortization for a high ratio mortgage 25 years. Home buyers who are purchasing a primary residence with less than 20% down payment will have to pay an insurer premium to have the mortgage insured with one of the 3 insurers (CMHC, Genworth and Canada Guaranty). The insurer premium can be added to the mortgage amount or paid up front on the closing date. It is more common for it to be added to the mortgage. CMHCs Mortgage Insurance Calculator Conventional mortgages are those where the total down payment is at least 20% of the purchase price for a primary residence, and as such avoid paying the insurer premium. By putting 20% down the home buyer will have a lower mortgage but can also take advantage of a 30 year amortization which lowers the mortgage payment verus a 25 year amortization on the same mortgage amount. Some lenders also offer 35 year amortization, for more information on this please contact one of our mortgage agents. Go back to blog


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