The Stress Test is used for mortgage qualifying purposes only and it is a rate higher than actual mortgage rates. Since it is higher than actual mortgage rates this can impact your borrowing power. As a mortgage professional, I have access to alternate lending options like credit unions and private lenders with alternate qualifying requirements. Reach out to learn more, I'm here to help! Contact me @ 647.453.7969 for a free consultation. Commercial First time Home Buyer / New to Canada / Rent to Own Program / Mortgage Renewal / Refinancing Home Equity Line of Credit / Debt Consolidation / Second Mortgage Bad / Low Credit Self Employed / Construction Loan / Personal Loan / Mortgages, 1st, or 2nd Mortgage/ Home equity loans/ Business loans / small business franchises, etc. How much can you afford? Check with ur affordability calculator. https://www.mortgagealliance.com/en/SunilVazhavilla/affordability-calculator/ Apply online : https://www.mortgagealliance.com/en/sunilvazhavilla/ #Toronto Real Estate Group #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage#Mortgages #MortgageBroker #MortgageAlliance LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

Private mortgage lenders are an alternative funding source usually for borrowers who cannot get traditional loans. Common reasons a borrower may use a private mortgage lender are: 1. Poor credit – Private lenders are more flexible than traditional lenders and willing to work with borrowers who have a lower credit score or a history of missed payments. 2. Self-employed or have irregular income – Private lenders can be more understanding as their screening uses criteria like the potential value of the property. 3. People looking for a short-term loan – Since private lenders offer short repayment periods, it makes them a good option for people who are waiting for other funds to come in, such as a bonus, inheritance or proceeds of a house flip. If you have any questions or think that a private mortgage is a good solution for you, reach out to me your Mortgage Alliance Professional for more details. #MortgageAlliance #PrivateMortgages #MortgageBrokers Contact us ☎️647.453.7969 📩svazhavilla@mortgagealliance.com First time Home Buyers / Commercial / Rent to Own Program / Mortgage Renewal / Refinancing / Home Equity Line of Credit / Debt Consolidation / Second Mortgage / Preapproval / Bad / Low Credit / Self Employed /Construction Loan / 1st, or 2nd Mortgage / Home equity loans / Business loans / small business franchises / ******** Truck and equipment financing etc ******* #GTA #Scarborough #NorthYork #Toronto #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #privatemortgages #homebuyer #mortgage #mortgageexpert #mortgageadvisor #LowestInterestRates #debtconsolidation How much can you afford? Check with our affordability calculator. https://www.mortgagealliance.com/en/SunilVazhavilla/affordability-calculator/ Apply online : https://www.mortgagealliance.com/en/SunilVazhavilla/apply-online/ Ask me for information on home and auto insurance Contact me @ 647.453.7969 for a free consultation. LIC # M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

Looking for a second mortgage?, HELOC, Private Mortgage, REFINANCE with better rates we have the solution for your every need. We're here to help you! For more details about the Second Mortgage: https://akalmortgages.com/second-mortgage Contact us 647.453.7969 svazhavilla@mortgagealliance.com for a free consultation. Second Mortgage/ Home Equity Line of Credit/ Debt Consolidation / Private Mortgage/ Commercial / First time Home Buyers / Ontario Home Buyer / New to Canada / Rent to Own Program / Mortgage Renewal / Refinancing Mortgage PreApproval Bad / Low Credit / Self Employed / Construction Loan / personal Mortgages, 1st, or 2nd Mortgage. / Business loans, small business franchises, etc How much can you afford? Check with our affordability calculator. https://www.mortgagealliance.com/en/SunilVazhavilla/affordability-calculator/ Applyonline : https://www.mortgagealliance.com/en/SunilVazhavilla/apply-online/ #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage#Mortgages #MortgageBroker #MortgageAlliance @everyone LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

Is your mortgage coming up for renewal soon? It's more important now than ever to start the process early. I will work with you to ensure you’re getting the best rate and terms for your situation. Contact me to get started, I'm here to help! Contact me @ 647.453.7969 for a free consultation. Commercial / First time Home Buyer / New to Canada / Rent to Own Program / Mortgage Renewal / Refinancing / Home Equity Line of Credit - HELOC / Debt Consolidation / Second Mortgage Bad / Low Credit Self Employed / Construction Loan / Personal Loan / Mortgages, 1st, or 2nd Mortgage/ Home equity loans/ Business loans / small business franchises, Truck and equipment financing etc. How much can you afford? Check with our affordability calculator. https://www.mortgagealliance.com/en/SunilVazhavilla/affordability-calculator/ Apply online : https://www.mortgagealliance.com/en/sunilvazhavilla/ #Toronto Real Estate Group #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage#Mortgages #MortgageBroker #MortgageAlliance LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

Looking for a second mortgage? We're here to help you! For more details about the Second Mortgage: https://apply.mortgageboss.ca/MAC/SunilVazhavilla 647.453.7969 svazhavilla@mortgagealliance.com #seconndmortgages #SecondMortgage #homebuyer #mortgage #mortgageexpert #mortgageadvisor #LowestInterestRates #flexiblepaymentoptions Contact me @ 647.453.7969 for a free consultation. Commercial / First time Home Buyer / New to Canada / Rent to Own Program / Mortgage Renewal / Refinancing / Home Equity Line of Credit - HELOC / Debt Consolidation / Second Mortgage Bad / Low Credit Self Employed / Construction Loan / Personal Loan / Mortgages, 1st, or 2nd Mortgage/ Home equity loans/ Business loans / small business franchises, Truck and equipment financing etc. How much can you afford? Check with our affordability calculator. https://www.mortgagealliance.com/en/SunilVazhavilla/affordability-calculator/ Apply online : https://www.mortgagealliance.com/en/sunilvazhavilla/ #Toronto Real Estate Group #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage#Mortgages #MortgageBroker #MortgageAlliance LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

A lot of questions are coming in after last week’s interest rate announcement. What's best for you depends on your personal finances and risk tolerance. The best thing to do is to reach out for a free consultation. We will run your numbers and talk to you about the options available. Mortgage Brokers are armed with solutions! Send me a message or give me a call today. Contact me @ 647.453.7969 for a free consultation. Commercial / First time Home Buyer / New to Canada / Rent to Own Program / Mortgage Renewal / Refinancing / Home Equity Line of Credit - HELOC / Debt Consolidation / Second Mortgage Bad / Low Credit Self Employed / Construction Loan / Personal Loan / Mortgages, 1st, or 2nd Mortgage/ Home equity loans/ Business loans / small business franchises, Truck and equipment financing etc. How much can you afford? Check with our affordability calculator. https://www.mortgagealliance.com/en/SunilVazhavilla/affordability-calculator/ Apply online : https://www.mortgagealliance.com/en/sunilvazhavilla/ #Toronto Real Estate Group #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage#Mortgages #MortgageBroker #MortgageAlliance LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

Consumer debt is at an all time high and more Canadians are struggling with debt. If you own a home, refinancing your mortgage to pay off high interest debt is a smart financial move. It allows you to access the equity in your home to pay off high interest loans, freeing up more cash each month. Reach out today to see if refinancing to pay off high interest debt is the right move for you. Contact me @ 647.453.7969 for a free consultation. Commercial First time Home Buyer / New to Canada / Rent to Own Program / Mortgage Renewal / Refinancing Home Equity Line of Credit / Debt Consolidation / Second Mortgage Bad / Low Credit Self Employed / Construction Loan / Personal Loan / Mortgages, 1st, or 2nd Mortgage/ Home equity loans/ Business loans / small business franchises, etc. How much can you afford? Check with ur affordability calculator. https://www.mortgagealliance.com/.../affordab.../Residential Apply online : https://www.mortgagealliance.com/en/sunilvazhavilla/ #Toronto Real Estate Group #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage#Mortgages #MortgageBroker #MortgageAlliance LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

Are you getting ready to buy your first home or move to your next home? The #1 thing you can do is get advice early. Talking with a mortgage professional will help you understand: 👉 What you can afford 👉 The downpayment you need 👉 Costs involved with buying a home 👉 Improving your credit 👉 Prepayment options 👉 Refinancing penalties (if you decide to do so down the road) 👉 Budgeting and more! Reach out today and start the conversation. Contact me @ 647.453.7969 for a free consultation. Commercial First time Home Buyer / New to Canada / Rent to Own Program Mortgage Renewal / Refinancing Home Equity Line of Credit Debt Consolidation Second Mortgage Mortgage PreApproval Bad / Low Credit Self Employed Construction Loan, personal Mortgages, 1st, or 2nd Mortgage. Home equity loans. Business loans, small business franchises, etc. How much can you afford? Check with our affordability calculator. https://www.mortgagealliance.com/.../affordab.../Residential Apply online : https://www.mortgagealliance.com/en/sunilvazhavilla/ #Toronto Real Estate Group #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operate

When the Bank of Canada raises their interest rate it affects things like variable rate mortgages, lines of credit, and credit cards. If you are carrying consumer debt on a line of credit or credit card it may make sense for you to refinance your mortgage to pay off your high interest debt. This can potentially save you thousands plus free up more cash each month. Contact me @ 647.453.7969 for a free consultation. Commercial First time Home Buyer / New to Canada / Rent to Own Program Mortgage Renewal / Refinancing Home Equity Line of Credit Debt Consolidation Second Mortgage Mortgage PreApproval Bad / Low Credit Self Employed Construction Loan, personal Mortgages, 1st, or 2nd Mortgage. Home equity loans. Business loans, small business franchises, etc. #Toronto Real Estate Group #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

Here are 3 reasons you should use a mortgage broker vs going to your bank: 1. Better Rates – Because lenders compete for our business, we get access to discounted rates based on volume and we pass these savings directly on to you. 2. Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you get access to dozens of lenders. 3. Our services are free – we are compensated by the lender. Contact me @ 647.453.7969 for a free consultation. Commercial First time Home Buyer / New to Canada / Rent to Own Program Mortgage Renewal / Refinancing Home Equity Line of Credit Debt Consolidation Second Mortgage Mortgage PreApproval Bad / Low Credit Self Employed Construction Loan, personal Mortgages, 1st, or 2nd Mortgage. Home equity loans. Business loans, small business franchises, etc. #Toronto Real Estate Group #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

A mortgage broker works for you. They have access to multiple lenders to find the product and rate that meets your needs. A mortgage specialist at the bank works for the bank. They have access to 1 lender and want to sell their product, not necessarily what is best for you. If you are getting ready to buy, renew or refinance your mortgage, talk to me your Mortgage Alliance Professional, it might save you thousands in unnecessary interest. Contact me @ 647.453.7969 for a free consultation. How much can you afford? Check with our affordability calculator. https://www.mortgagealliance.com/.../affordability.../ Residential / Commercial First time Home Buyer / New to Canada / Rent to Own Program Mortgage Renewal / Refinancing Home Equity Line of Credit Debt Consolidation Second Mortgage Mortgage PreApproval Bad / Low Credit Self Employed Construction Loan, personal Mortgages, 1st, or 2nd Mortgage. Home equity loans. Business loans, small business franchises, etc. Apply online : https://www.mortgagealliance.com/en/sunilvazhavilla/ #Toronto Real Estate Group #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated

We know that borrowing money is harder for self-employed Canadians which is one of the reasons why working with a Mortgage Broker is so important. We have access to lenders who specialize in self-employed mortgages and understand the challenges that business owners face. If you are self-employed and looking to buy, renew or refinance, send me a message. Contact me @ 647.453.7969 for a free consultation. How much can you afford? Check with our affordability calculator. https://www.mortgagealliance.com/.../affordability.../ Residential / Commercial First time Home Buyer / New to Canada / Rent to Own Program Mortgage Renewal / Refinancing Home Equity Line of Credit Debt Consolidation Second Mortgage Mortgage PreApproval Bad / Low Credit Self Employed Construction Loan, personal Mortgages, 1st, or 2nd Mortgage. Home equity loans. Business loans, small business franchises, etc. Apply online : https://www.mortgagealliance.com/en/sunilvazhavilla/ #Toronto Real Estate Group #Mortgage #Refinance #Renewal# #Debt #SecondMortgage #PreApproval #BadCredit #MortgageAgent #GTA #Scarborough #NorthYork #Toronto #MortgageAlliance #WhyUseABroker #Scarborough #Ajax #Oshawa #Pickering #Whitby#dreamhome #home #firsttimehomebuyers #firsttime #obstacles #homebuyers #homes #house #newhome #secondmortgage LIC# M12000954 AKAL Mortgages - FSCO Lic. # 10845 Independently owned and operated