My Rates

6 Months 3.04%
1 Year 3.69%
2 Years 4.09%
3 Years 4.14%
4 Years 4.19%
5 Years 4.39%
7 Years 4.89%
10 Years 5.05%
6 Months Open 5.75%
1 Year Open 3.45%
*Rates subject to change and OAC



231- 80 Maritime Ontario Blvd., BRAMPTON, Ontario







Generic Messages for BrokerBase
Thank You Message-Mortgage Plan Messages-PDF Section
I would like to take this opportunity to thank you for selecting me as your trusted mortgage
advisor. It has truly been a pleasure working with you.
The following mortgage plan is a document and service that I provide to all my clients to help
them become more familiar with me, their lender, and their mortgage financing options.
While the mortgage transaction has now been successfully completed, our relationship is just
beginning. As your mortgage advisor my ongoing role is to help you successfully manage your
mortgage debt, as well as your personal finances, in order to minimize your interest costs and
fees-and enjoy mortgage freedom as soon as possible.
I would also like to take this opportunity to encourage you to contact me if you have any
questions regarding your mortgage, or the mortgage needs of a friend or family members.
Thank you again and I look forward to continuing to assist you with your mortgage needs!
Final Words Message-Mortgage Plan Messages-PDF Section
This mortgage plan is a summary of your mortgage.
I encourage you to keep this document in a safe place and review it once a year. If there are
changes in your financial situation at anytime, or if you find that you have new financial goals,
contact me anytime. I would be happy to review your mortgage with you to find new ways of
reaching your financial goals!
Again, thank you for selecting me as your trusted mortgage advisor and I look forward to
continuing to work with you!
Welcome Message- Create/Modify Mortgage Web section
As an experienced mortgage professional, it is my job to get you the mortgage you need at the
price that you deserve. I work on your behalf and have access to over 25 different lenders.
Let's work together to get you the right mortgage! Why not take a minute now to complete
my on-line mortgage application to see how much you can qualify for!
In addition to mortgages, I can now offer you Personal Loans, Vehicle Loans or Leases and
Home & Auto Insurance!
And for a list of trusted local professionals and tradespeople, click on the “Browse Partners”
Call me for today's unpublished mortgage rate specials!!!

attain Mortgage

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

BLOG / NEWS Updates

Home sales drop in April as mortgage rates shoot higher

Home sales recorded over Canadian MLS Systems dropped by 12.6% between March and April 2022. The decline placed monthly activity at the lowest level since the summer of 2020. While the national decline was led by the Greater Toronto Area (GTA) simply because of its size, sales were down in 80% of local markets, with most other large markets posting double-digit month-over-month declines in April. The exceptions were Victoria, Montreal and Halifax-Dartmouth where sales edged up slightly. The actual (not seasonally adjusted) number of transactions in April 2022 came in 25.7% below the record for that month set last year. That said, as has been the case since last summer, it was still the third-highest April sales figure ever behind 2021 and 2016. Following a record-breaking couple of years, housing markets in many parts of Canada have cooled off pretty sharply over the last two months, in line with a jump in interest rates and buyer fatigue, said Jill Oudil, Chair of CREA. For buyers, this slowdown could mean more time to consider options in the market. For sellers, it could necessitate a return to more traditional marketing strategies. Of course, there are significant regional differences, so your best bet is to contact your local REALTOR. They have the information, guidance negotiation skills to help you navigate this rapidly-changing market as it evolves, continued Oudil.

CANADA: Home sales declined in March. Beginning of a downward slide?

By Daren King On a seasonally adjusted basis, home sales decreased 5.4% from February to March, a first monthly decline in three months. Despite this decline, the resale market remained very active on a historical basis, standing above the historically high level of 45K now for 21 consecutive months. Is this the beginning of a downward trend in the Canadian real estate market? In our opinion, the housing market should remain active during the spring due to many people who have secured advantageous interest rates and will want to act before the end of their interest rate guarantee. However, with the recent increase in mortgage interest rates and the worst affordability conditions on record, we expect the residential market to slow down in the second half of the year. According to CREA, new listings decreased by 5.5% during the month. However, the reduction in sales compensated for the decrease in new properties for sale, so that the number of months of inventory rose from its historical low of 1.6 to 1.8 months in March. Based on the active-listings-to-sales ratio, the housing market continued to be tight in 9 of the 10 provinces, with only Saskatchewan indicating a balanced market. These market conditions should continue to support prices in the coming months. On a year-over-year basis, home sales fell 16.3% compared to the most active month ever recorded for any period of the year that was March 2021. Nevertheless, it remains the second most active month of March on record. Housing starts decreased by 4.0K in March to 246.2K, a slide of 1.6% m/m from 250.2K in February and below consensus expectations calling for a 250K print. Although housing starts in March were slightly below consensus expectations, they remained high on a historical basis. The trend in housing permits continues to suggest a higher level of starts at this time. Moreover, with the tight conditions in the resale market, the willingness of various levels of government to build more and the resumption of immigration, housing starts should remain high for some time. That being said, we are entering the building season in Canada with elevated commodity prices and renewed supply chain challenges. Combined with more restrictive monetary policy by the Bank of Canada, we expect housing starts to taper in 2023. The Teranet-National Bank Composite Notional House Price Index increased 1.7% in February compared to January after seasonal adjustment. On a year-over-year basis, home price increased by 17.7% in February. All 11 markets of the composite index were up in the month. The March Teranet-National Bank HPI will be published on April 20. Source: National Bank of Canada https://www.nbc.ca/content/dam/bnc/en/rates-and-analysis/economic-analysis/economic-news-resale-market.pdf


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