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This is a behind the scenes look at our local Mortgage Market in GTA West and South West Ontario. We discuss real life experiences of clients, partners and experts. Listen to learn and be entertained.
Episodes
Monday Jan 25, 2021
Monday Jan 25, 2021
Raymond Daez of EMA Mortgage Team - Mortgage Alliance looks at the trends in the GTA and Ontario Housing Market. The old saying "Location, Location, Location" has been changed to "Location, Location, SPACE". Work from home, Kids attending eLearning from Home, not having to share space via elevators, and need for a backyard space have all contributed to the need for more Space.
Tuesday Jan 05, 2021
Tuesday Jan 05, 2021
A Look Back at 2020 - We started year 2020 with so much excitement. We started a mortgage team, EMA Mortgage Team - Mortgage Alliance. By Mid March we were in a lock down due to Covid 19. Households face health and financial concerns because of the pandemic. Our homes became the place where you keep yourself safe and others safe from you. We use our homes to Social Distance, Learn and Work from home, and Staycation. Home Ownership Goals today is still very strong. Home Ownership gives you the Economic Benefits, Safe Environment to social distance, peace of mind and Pride of Ownership.
Monday Dec 21, 2020
Monday Dec 21, 2020
Toronto's Vacant Home Tax
The City of Toronto will be implementing a Vacant Home Tax. It will be at 1% Vacant Tax Rate of the Property's Taxable Assessed Value. It will likely start in 2022. The goal is to force unoccupied homes to be rented or sold. Let's look at Vancouver's Vacant Tax Rate on what might our Vacant Home Tax may look like.
Thursday Dec 10, 2020
Thursday Dec 10, 2020
Raymond, Mortgage Agent at EMA Mortgage Team-Mortgage Alliance, talks about the most recent Bank of Canada rate announcement. There are changes proposed for the current First Time Homebuyer Incentive program. This incentive is a Shared Equity program. The Changes relates to the maximum household income allowed to qualify for the program and also the increase to the multiplier for the maximum mortgage amount a first time homebuyer can qualify. (1) Change in Income $120k/yr to max $150k/yr (2) Change in Max Mortgage, multiplier from 4X your household income to 4.5X your household income. This combination will definitely help in the higher home price areas such as the Greater Toronto Area: Oakville, Mississauga, Milton, Brampton, Toronto, Ancaster, Burlington, Georgetown, etc.
Wednesday Dec 09, 2020
Wednesday Dec 09, 2020
Raymond Daez, Mortgage Agent with EMA Mortgage Team - Mortgage Alliance, discusses the new 0.99% Mortgage Rate offering by HSBC. It is a Variable Rate Mortgage offering for High Ratio deals only. Affordability of homeownership has improved due to low mortgage rates, but it does not mean that you can borrow more.
Saturday Nov 21, 2020
Friday Nov 20, 2020
Thursday Nov 19, 2020
Tuesday Nov 10, 2020
Tuesday Nov 10, 2020
Will the rates start to go up now that there may be a vaccine on the way?
Changing Lives, One Mortgage at a Time!
Raymond Daez | Mortgage Agent | EMA Mortgage Team- Expert Mortgage Agents | Mortgage Alliance - Lic# 10530 | T# 416 705 3239 | www.expertmortgageagents.ca
Wednesday Nov 04, 2020
Wednesday Nov 04, 2020
Mortgage Agent look at what to expect from today's Mortgage Rates and Best of Luck with the Presidential Elections in the US!