Making Real Estate Investment Easy!!

Looking to buy in the GTA, Toronto Condos or Toronto homes? Perhaps Scarborough, Markham, Brampton, Mississauga homes, Mississauga Condos, Burlington homes or Oakville homes? You’re probably thinking about home loans and mortgages. Getting a loan to purchase a home can be stressful and aggravating. What key points do you need to be aware of? Do the terms make sense for you? Are you able to make payments? All of these questions can frustrate you and make the home buying experience less than thrilling. Obtaining a loan for your own property of real estate doesn’t have to be hindrance; here are some tips that can help.

1. Know your credit standing.
Your credit rating is one of the most important factors in getting a loan. Any outstanding payments or inaccurate information can affect your credit rating. Depending on your credit rating, you may need to clean up your credit first before applying for a loan.

2. Learn about lending guidelines.
Mortgage insurance can be expensive, ranging from as high as 2.5 percent. When calculating how much you need to pay, keep in mind that you need to insure the entire loan. For example, if you have a loan for $140,000 you’re insurance premium would be $3,500. Ask to see if your lender will roll the insurance premium into your mortgage. It could result in you paying more interest, but some find it’s an easier way to manage. A CMHC-insured mortgage (which are often for high ratio mortgages) are open after three years, meaning you can re-finance or pay off your loan at any point.

3. Save money if you want a conventional mortgage.

Conventional mortgages require you to pay an amount up front for a down payment. This is usually 20% of the price of your property. For example, if you decide on a house that’s $200,000 the down payment would be $40,000.

There’s a sense of gratification when buying a home. A house can be a place where you can start your life, raise a family or retreat to in another city or town. Owning your own piece of real estate can cost you – but luckily with these tips, you have some information that can take to the bank. features all GTA homes or Condos, including, Toronto homes, Toronto Condos, Scarborough, Markham, Brampton, Mississauga Condos, Burlington homes, Mississauga homes, Oakville homes and more.


Vijay Gandhi from RE/MAX is dedicated to providing you with a home you’ll love to live in. Contact him as by email


From all economic indicators, it appears that higher interest rates are on the way in 2012.

What would your monthly payments be at current home prices in your neighborhood?  Compare your options using CENTUM Mortgage Calculators.

Vijay Gandhi is an independent mortgage planner- industry insider & CENTUM Agent. If you are purchasing, refinancing or renewing your mortgage, contact Vijay or apply for a Mortgage Check-up to obtain the best available rates and terms.
Have you considered a 50/50 Mortgage?

As always, if you have questions about the 50/50 mortgage product and whether it’s right for you, or other mortgage-related questions, I’m here to help!

Whether you are planning to buy-sell-lease-invest your first home or your investment, contact us today! We’d love to hear from you!
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Vijay Gandhi,
Sales Representative- REALTOR®
RE/MAX Dynasty Realty Inc. Brokerage*

Mortgage Agent – Lic.# M10001947
CENTUM Metrocap Mortgage Corp. Lic.#11074

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