I am a licensed mortgage agent M21004312 working with Dominion lending centres, Valko Financial FSRA13047. I work with over 60 lenders including the top banks to provide an array of mortgage products that are suited to your needs. I can help you with your housing needs across all provinces in Canada (except Quebec).

I help First time home buyers & investors make smart realestate decisions based on numbers and not emotion. Want to book a call 👇 (It's free 🥳)
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MORE ABOUT ME 👇
My mission is to provide you with actionable content that enables you to build your wealthand live up to your potential. I came to Canada with my wife (Simran), during the pandemic in 2020, started with very little money, no job - to today, where I recently quit my job after building my side hustle to a cool 6-figures in revenue. I have met so many amazing people and mentors along the way, and I want to bring everything that I have learnt and continue to learn to you via this channel.

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, at NO additional cost to you, I may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact my opinion.
00:00 - Intro
01:02 - Different Lender Options
10:42 - Calculations
19:50 - Thinking beyond rates
20:28 - Scary Clause #1
21:13 - Scary Clause #2
21:45 - Scary Clause #3
22:30 - Scary Clause #4
23:40 - Outro
Fixed-rate mortgage, variable-rate mortgage, mortgage refinancing, mortgage pre-approval, high-ratio mortgage, open mortgage, closed mortgage, mortgage term, amortization period, mortgage renewal, HELOC, first-time homebuyer mortgage, mortgage stress test, interest rate, down payment, mortgage insurance, CMHC insurance, conventional mortgage, collateral mortgage, second mortgage, bridge financing, reverse mortgage, mortgage broker, lender's mortgage, mortgage default insurance, porting a mortgage, prepayment penalty, mortgage discharge, equity take-out, debt service ratio, mortgage rate comparison, loan-to-value ratio, private mortgage, alternative lender, prime rate, subprime mortgage, mortgage underwriting, title insurance, closing costs, land transfer tax, property appraisal, co-signer, credit score, GDS ratio, TDS ratio, mortgage calculator, home equity, term conversion, payment frequency, bi-weekly payments, mortgage penalty.

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