• Pickering Mortgage Broker
  • home purchase

    Pickering Mortgage Broker
    We understand that not every person has the same priorities for their financing so we work hard to offer the largest selection of product choices to meet every clients individual needs
  • mortgage refinance

    Mortgage Refinance
    We understand that sometimes life events require specific needs, so we consistently strive to offer valuable solutions to help achieve your financial goals.
  • mortgage renewal

    Debt Consolidation
    We understand that time and choice are important and we work hard to always present you with the best and most current options available in the marketplace.

Latest News

Comparing New Amortization & Down Payment Rules…
1/30/2012 8:01 AM
Government mortgage restrictions instituted from 2008-2011 have not achieved their goal, suggests Desjardins’ Senior Economist Benoit Durocher. From Thursday: “…The third series of [government mortgage rules] was announced nearly a year ago now, and we must conclude that the tightening introduced &#...
Home prices to go up in 2012:
1/12/2012 1:28 PM
TORONTO – Canadian home prices will continue to go up in 2012, although at a slower pace than they did last year, according to one of the country’s largest real-estate sales organizations. Royal LePage, which franchises brokerages across the country, … Continue reading →
8 Big Mistakes That Cost You $$ When Selling Your Home!
11/29/2011 2:07 PM
#1 Basing asking price on needs or emotion rather than market value. Many times sellers base their pricing on how much they paid for or invested in their home. This can be an expensive mistake. If your home is not … Continue reading →
Canadian bank stocks so low any good news may spark rally.
11/29/2011 2:03 PM
Canadian bank stocks so low any good news may spark rally Cameron French, Reuters · Nov. 29, 2011 | Last Updated: Nov. 29, 2011 5:06 AM ET TORONTO – A volatile year for Canadian banking results is likely to end … Continue reading →
Bank of Canada could slash interest rates in 2012!!
11/10/2011 10:11 AM
Bank of Canada could slash interest rates in a big way next year John Shmuel Nov 9, 2011 – 4:10 PM ET | Last Updated: Nov 10, 2011 2:06 AM ET As the nail biter in Europe continues this week, two … Continue reading →
Calgary house prices increase 126% in past decade!
11/9/2011 12:17 PM
CALGARY — Strong in-migration, population growth and a vibrant oil and gas sector have pushed Calgary average house prices to an increase of 126 per cent in the past decade, says a new report released Monday by Re/Max. The report … Continue reading →
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Debt Consolidation

Being a good credit manager means making sure that you are eligible for the best options for your set of circumstances. Debt consolidation can provide you with a means of quickly and easily reducing, or even eliminating, your debt – saving you thousands of dollars in interest and penalties. Debt consolidation allows you to combine all your lines of credit into a single loan and pay it down. This opens up your cash flow and gives you additional credit options. In fact, many Canadians find that debt consolidation gives them not only a lower overall rate and also allows them to extend terms. Debt consolidation allows Canadians to use the equity in their home to pay down unsecured debt like credit cards. It provides them with a single monthly payment which greatly reduces their financial complications by placing all their debt in a single place. Homeowners in Canada with a high amount of unsecured debt should consider combining their debt with a single lender. Mortgage Emporium offers a variety of debt consolidation options as well as 24/7 online access and customer service to help you review and modify your loans to get the best rates and terms available.

Pickering Mortgage Broker

Mortgage Refinance

Undergoing a mortgage refinance will pay off your current mortgage and any additional legal claims against your home and establish an entirely new mortgage. Every year thousands of Canadians consider mortgage refinance and for a variety of reasons. At Mortgage Emporium, we can guide you through the process and ensure that you make the right decisions to reflect your unique set of circumstances. One of the most common reasons Canadians decide to investigate a mortgage refinance is a change in interest rates or mortgage options. To determine whether refinancing is a sound financial decision, Mortgage Emporium will help you evaluate and compare the cost of changing your mortgage to the cost savings based on the new rates. Just a few minutes spent with us conducting a review of your mortgage has the potential to save your tens of thousands of dollars over the course of your loan. For those with an existing investment portfolio or those with a desire to create one, a mortgage refinance loan can help in a variety of ways. It can provide the capital needed to make an investment purchase. It can also be used to create a debt swap – allowing currently taxable debt to become tax deductible. Undergoing mortgage refinancing can also create access to the capital needed to acquire investment properties. A mortgage refinance allows the owner to take the equity from one property and use it as a down payment for another property. As tuition costs in Canada continue to rise, it is more and more common for parents to use a mortgage refinance to fund their children’s education. A mortgage refinance allows parents to use the equity in their home to pay for college and help provide a sound financial future for their children. Another reason Canadians are opting for mortgage refinancing is to fund home improvements. For those who are spending over $15,000 for remodel, a mortgage refinance may drastically reduce the cost of interest paid for an unsecured loan or line of credit. A mortgage refinance also offer Canadians who have large amounts of debt to use the equity in their home to pay it off. This can dramatically reduce monthly payments and interest charges. Whatever your reasons are for considering a mortgage refinance loan, Mortgage Emporium can help you evaluate your options and help you determine what makes sense for your needs.