Amy Coburn

Why wait decades to pay off your mortgage when you can use The Smith Manoeuvre to accelerate the process and grow your wealth simultaneously? This strategy transforms your home’s equity into an investment engine, reducing your non-deductible debt while building a tax-efficient portfolio. Let’s Chat! 416-464-8898 diane@dianegogar.com www.dianegogar.ca Book a call - https://lnkd.in/e_Hnu8X4 #InDebtToBuildWealth #CanadianHomeowners #SmartInvesting #MortgageStrategies #DebtConversion #FinancialFreedom

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Starting November 21, switching your mortgage to a new lender at renewal just got easier! 🏡💡 In the past, homeowners with uninsured mortgages had to pass the stress test again when renewing with a new lender. But thanks to a new rule from OSFI, that’s no longer the case. 🎉 Here’s why this is a win for YOU: ✅ More flexibility at renewal time. ✅ More options to shop around for better mortgage rates. ✅ Potentially saving thousands in interest over the term of your mortgage! This change levels the playing field for borrowers, making it simpler to explore new lenders without jumping through extra hoops. If you're coming up for renewal soon, now’s the perfect time to reach out and discuss your options! Send me a message to learn how you can benefit from this update and potentially save big on your mortgage. 📲 416.801.6616 📧 Domenic@BetterMortgagesByDom.ca 🌐 BetterMortgagesByDom.ca #FlexibleMortgage #ProfessionalMortgageGuidance #BetterMortgagesbyDom #MortgageRenewal #BetterRates #FinancialFreedom #HomeOwnership #MortgageBroker #CanadianHomeowners #MortgageAdvice

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Refinancing your mortgage doesn’t have to feel overwhelming—it could actually be one of the best financial decisions you make! 🌟 Whether you want to save money, tackle debt, or unlock the potential of your home equity, refinancing can open the door to exciting possibilities. 🏡✨ Here are a few reasons to explore your options: 1️⃣ Lower your monthly payments 💰 2️⃣ Consolidate debt 📊 3️⃣ Tap into your home’s equity 💵 4️⃣ Adjust your loan terms 🔁 5️⃣ Align with life changes 🌱 Reach out to see if refinancing makes sense for you.

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Are you planning to buy or sell a home? 🏡 Timing is key! Whether you're upgrading for more space or downsizing for simplicity, having a mortgage expert by your side can make all the difference. I can help you understand market conditions, mortgage options, and strategies to make your transition seamless. Let’s chat about how we can maximize your options and take the stress out of buying or selling!" #mortgage #mortgagerates #mortgagebroker #lender #preapproval #interestrates #durhamregionmortgage #ontariomortgage #bestrates #realestateontario #buyingahome #firsttimebuyer #wealthbuilding #financialfreedom #homeownership #realestateinvesting #investingyourmoney #passiveincome #rentalproperties #financialindependence

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🏡 Exciting News for First-Time Homebuyers! 🚀 The federal government has just raised the insured mortgage cap to $1.5M and is expanding access to 30-year amortization for ALL first-time homebuyers! ✨ What does this mean for you? 1️⃣ Higher Insured Mortgage Limit: The cap for insured mortgages has increased from $1M to $1.5M. This is a game-changer for buyers in high-priced markets like Toronto, allowing for more flexibility in qualifying for insurance on your dream home with a down payment as low as 5%! 2️⃣ 30-Year Amortization for First-Timers: First-time homebuyers can now enjoy a 30-year amortization period! This means lower monthly payments, making homeownership more affordable and fitting better into your budget. These changes aim to support buyers in expensive cities by making financing and monthly payments more manageable. While home prices remain unchanged, these updates give first-time buyers a better shot at entering the housing market! 🌟 #HomeBuying #FirstTimeHomebuyer #MortgageNews #RealEstate #HomeOwnership #FinanceTips #mortgages #mortgageagent #mission35mortgages #courtneyjonesmortgages

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To most consumers outside the mortgage space, the terms “licensed mortgage professional” and “bank specialist” would seem interchangeable – but they aren’t. As a potential homeowner, the differences are more important than you may think. Licensed mortgage professionals, also commonly referred to as Mortgage Brokers (Agents) belong to an independent firm and are provincially licensed and regulated while adhering to all national lending rules/laws/regulations. Being Licensed Professionals allows us unique access to rates and mortgage products from a large number of lenders (banks, credit unions, trust companies, monoline/alternative lending as well as private lenders). Conversely, a bank specialist is employed by a single lender and works to sell that particular institution’s products; they are not required to hold a license. Ready to learn more about what a Licensed Professional can do for you? Get in touch today - we can't wait to connect. #IndependentAdvice #LicensedProfessionals #AxiomMortgageSolutions #TheAxiomAdvantage #TrustedAdvice #Mortgages #Approved #InterestRates #Mortgagee #NewHomeOwner #hamont #burlont #aldershot

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Mortgage brokers are key in the home-buying process. Here's why: ✔ They connect you with lenders. ✔ They know the mortgage market well. ✔ They can help match you with the best loan options for your finances. ✔ They can save you time and energy. Turning your dream home into reality might seem intimidating, but an expert mortgage broker can simplify it for you. Need mortgage assistance? Connect with one of our expert mortgage brokers today and take the first step toward owning your dream home. #HomeBuying #MortgageBrokers #FinancialAdvice #DreamHome #Mortgage #Toronto #TD #mortgages #MortgageLoans #mortgagelender #finance #Mortgagespecialist

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What's the biggest potential issue that home owners face moving forward? Most would say higher mortgage rates or even the cost of living. These sound very reasonable and plausible, yes? Both of these answers are incorrect. The greatest issue home owners face is losing their job. Unemployment has been creeping back up this year and while it's primarily affecting new immigrants and the under 25 segments today, this could change quickly if the economy goes sour. What is the most important thing you can do? Make sure you're prepared and able to pay your mortgage in the event of a job loss. Need help assessing your situation? Let's talk.

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Dreaming of a home renovation but concerned about the costs? There are plenty of financing options to help you transform your space! 1️. Mortgage Refinancing: Tap into up to 80% of your home's value by refinancing your mortgage. 2️. Purchase Plus Improvements (PPI) Mortgage: Bundle renovation costs into your mortgage when buying a new home. 3️. CMHC Mortgage Loan Insurance: Add renovation expenses to your mortgage with as little as 5% down. 4️. Line of Credit or Home Equity Loans: Use your home’s equity for a flexible renovation fund. Contact me to explore the best financing option for your renovation!

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Unlock the Potential of Multi-Family Building Investments with Expert Financing Solutions! Are you considering investing in multi-family properties or planning a new construction project? At Mortgage Alliance, we understand the growing demand for multi-family housing and the excellent investment opportunities they present. Why Multi-Family Buildings? Multi-family buildings offer a steady rental income and the potential for significant property value appreciation. However, financing these projects can be complex. That's where we come in. Your Financing Options We provide a range of mortgage options for multi-family properties, including conventional loans, FHA loans, and VA loans. Each option has unique benefits and requirements, and we’re here to help you navigate them. Construction Financing Thinking about building? Our short-term construction loans cover your project costs and can convert into a permanent mortgage upon completion. We help you with: Understanding loan requirements Comparing interest rates and terms Assessing project feasibility Why Choose Us? As experienced mortgage agents, we guide you through the intricate process of securing the right financing for your project. Our expertise ensures you get the most favorable terms, whether you're purchasing an existing property or embarking on new construction. Key Tips for Success Conduct thorough market research Develop a comprehensive financial plan Assemble a team of professionals Investing in multi-family buildings can be rewarding with the right strategy and support. Let Mortgage Alliance be your trusted partner on this journey. Ready to get started? Contact us today to discuss your project and explore your financing options!

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Weekly Financial Tip: Smart Ways to Use Home Equity Did you know you can leverage your home’s equity for a variety of financial needs? Here are some smart ways to use it: Home Renovations: Increase your property’s value and enjoy upgraded living spaces. Debt Consolidation: Pay off high-interest debts with a lower interest rate, simplifying your finances. Investment Opportunities: Use equity to invest in new properties or other ventures, boosting your portfolio. Accessing your home’s equity through options like a Home Equity Line of Credit (HELOC) or refinancing can provide you with flexible funds at lower interest rates compared to credit cards or personal loans. Curious about how you can make the most of your home’s equity? Let’s discuss your options and find the best strategy for your financial goals. #FinancialTips #HomeEquity #SmartInvesting #MortgageAdvice

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