best mortgage rates

4.45%	6 MonthsFixed Rate Mortgage
2.89%	1 YearFixed Rate Mortgage
2.99%	2 YearsFixed Rate Mortgage
2.79%	3 YearsFixed Rate Special
2.99%	4 YearsFixed Rate Special
3.19%	5 YearsFixed Rate Special
3.99%	7 YearsFixed Rate Mortgage
3.89%	10 YearsFixed Rate Mortgage
2.90%	3 YearsVariable Rate Mortgage
2.85%	5 YearsVariable Rate Mortgage
3.50%	OpenHELOC (Creditline)
4.73%	100% Purchase Financing5 year fixed

*Rates are subject to change without notice.
*Conditions Apply
*OAC

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Purpose of Loan Credit Profile Amount Requested
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Personal Unsecured Loan Products

The Loan Emporium Corporation
1400 Bayly Street, Unit 10B
Pickering, Ontario L1W 3R2
Tel: 1-888-656-2259
Fax: 905-421-0333
Email: info@loanemporium.ca

Personal Loan and Unsecured Lines of Credit

These loans help you achieve your goals today - take a vacation, buy furniture, make an investment - and know your loan will be paid off within a set period of time.

A couple of our lenders can also help those formerly in bankruptcy or a proposal to re-establish their credit quickly, by cash in hand loans up to $6,000 or GIC loans where you are investing while rebuilding your credit. (Bank GIC loans do not report to the credit bureaus; as such you are not re-establishing credit with their GIC loans.)

When you have a specific purpose in mind, a Personal Loan with one of our trusted lenders can provide the funds to make it happen. You have the flexibility to choose the term over which you'd like to repay the loan.

A Personal Loan could be for you if any of the following apply:

· You want to renovate or purchase a big-ticket item for your home

· You find it easier to budget with a specific monthly payment amount

· You want a lower rate by paying off a high rate loan or account

· You want to establish or re-establish your credit rating

There is no cost to apply for a loan.

To apply for a loan of your choice, please fill in the online application form. The detailed form will let us assess your financial situation and help come up with the best loan solution for your needs.

Loan Detail

Purpose:*
Loan Amount Required:*		Credit Confirmation:

Primary Applicant

Personal Information
First Name:*		Last Name:
Email:*		Marital Status:
S.I.N:		Age:
Date of Birth:*		Phone Number:*
Address Info
Present Address:		City/Town:
Province:		Postal Code:
Residential Status:		Monthly Mortgage/Rent Payment:
How Long at Present Address:
Previous Address
Employment Information
Current Employer:		Position:
Occupation Type:		Industry Sector:
How Long at Present Employment:		Phone:
Former Employer
Monthly Income:		Employer Address:
Years in Line of Business:		Type of Income:
Other Income Source:		Other Income Amount:

Co-Applicant

Personal Information
First Name:		Last Name:
Marital Status:		S.I.N:
Phone:		Age:
Date of Birth:
Address Info
Present Address:		City/Town:
Province:		Postal Code:
How Long at Present Address:
Previous Address
Employment Information
Employer:		Position:
Occupation Type:		Industry Sector:
How Long at Present Employment:	(Years)	Monthly Income:
Phone:		Employer Address:
Years in Line of Business:		Type of Income:
Other Income Source:		Other Income Amount:

Financial Information

Assets
Type	Where/Financial Institution(s)	Amount / Value
Cash Savings Cash in Bank Supply the Bank and branch of your main bank account. Add the total of all your bank accounts together for the Amount/Value box.
Deposit on property being purchased (if applicable)			Deposit on Property If you have made an offer for a house, this is the amount you included with the offer. This is not the down payment amount.
Automobile Present Value			Automobile Present Value Include year, make and model as space permits. Add the total value of all your cars together.
Value of Present Home (if owned)			Value of Present Home Location; value of current residence.
Stocks, Bonds, Mutual funds etc.			Stocks, Bonds, Mutual funds (Eg. Stocks 20%, Mutual Funds 30%, Bonds 50%). Add together to show total value.
RRSP's			RRSP's List institutions (or self directed) and add together for total value.
Others			Others Household goods, art collections, etc.
	Total Amount:

Liabilities
Type	Where/Financial Institution(s)	Balance Owing	Monthly Payment	Help
Debts / Loans				Debts / Loans Name lenders (as space permits); provide combined balances and payments. Exclude car loans and credit cards.
Credit Cards				Credit Cards Name credit card issuers/types (Royal Visa, National Bank M/C, Shell, Amex, etc.). Provide the combined balances and the combined minimum monthly payments.
Owing on Automobile				Owing on Automobile Name car loan lender(s); provide combined balances and combined monthly payments. If a leased vehicle, enter only the lease payment and omit "amount owing"..
Amount owing on current mortgage(s) - 1				Amount owing on current mortgage(s) - 1 Briefly name the mortgage priority (1st, 2nd etc) of the main mortgage; the mortgage lender's name; property (if other than principal resident); and provide the balance and payment (principal and interest portion only).
Amount owing on current mortgage(s) - 2				Amount Owing on Current Mortgage(s) Briefly name the mortgage priority (1st, 2nd etc); the mortgage lender's name; the property (if other than principal residence); and provide the balance and payment (principal and interest portion only). Combine balances and payments together here, if necessary.
No. of Current Mortgage(s)				No. of Current Mortgage(s) Please enter the mortgage reference number(s) assigned to your file by your current lender(s), if readily available. You will probably find it on any mortgage renewal forms, annual statements, or other correspondence from them.
Finance company loans and other debts				Finance company loans and other debts Supply the Bank and branch of your main bank account. Add the total of all your bank accounts together for the Amount/Value box.
Alimony / Child Support				Alimony / Child Support Enter gross monthly payment only.
Total:
Net Worth (Total Assets - Total Liabilities):

Additional Comments

Privacy Statement

I/we warrant and confirm that the information given in the loan application form is true and correct and I/we understand that it is being used to determine my/our credit responsibility. You are authorized to obtain any information you may require for these purposes from other sources (including, for example, credit bureau) and each such source is hereby authorized to provide you with such information.

I/we also understand that the information given in the loan application form as well as other information you obtain in relation to my credit history may be disclosed to potential mortgage lenders, financial intermediary and mortgage insurers, organizations providing technological or other support services required in relation to this application and any other parties with whom I/we propose to have a financial relationship. Online Applications Please read the paragraph above prior to sending completed application.

By transmitting the online loan application you are accepting the terms of the paragraph noted above.

Mortgage Emporium Corporation
Copyright 2011
Brokerage Lic No. 12068

Corporate Address: 10A&B, 1400 Bayly Street , Pickering, Ontario - L1W3R2, Canada
Tel.: 888-421-9330 | Fax: 905-421-0333

Site conceived, designed and maintained by:

The Loan Emporium Corporation - Unsecured Loans, Personal Loans, Lone of Credit, Business loans

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.

Mortgage Broker Toronto

Buying a home requires a huge financial and lifestyle commitment and whether you are a first-time buyer, upgrading to a larger, more expensive home, purchasing a rental home or buying a vacation property,there is always a lot to consider. One of the most difficult to decisions to make is whether this is the right time for you to buy. Making a careful assessment of your current situation can help you make that decision but the answer should also take the current economic circumstances if your community.

Toronto Mortgage Broker

Here is a partial list of the things you’ll want to consider:

· the amount you can afford to spend

· renting versus owning

· the size of the mortgage payment in relation to your budget

· interest rate

· mortgage options

Toronto Mortgages

Right now, you are probably starting to consider the broad array of mortgage solutions, payment options available and how they can be used in a way that matches your needs. Being a mortgage broker in Toronto, Mortgage Emporium has put together information for home buyers that is designed to help you make the right decision for you. The tools and information we have gathered are provided at no-cost to ensure that you are able to make a comfortable, well-reasoned decision. Our tools will help guide you through the steps to determine the best options

best mortgage rates

fast mortgage quote

our social networks

Personal Unsecured Loan Products

Loan Detail

Primary Applicant

Co-Applicant

Financial Information

Cash in Bank

Deposit on Property

Automobile Present Value

Value of Present Home

Stocks, Bonds, Mutual funds

RRSP's

Others

Debts / Loans

Credit Cards

Owing on Automobile

Amount owing on current mortgage(s) - 1

Amount Owing on Current Mortgage(s)

No. of Current Mortgage(s)

Finance company loans and other debts

Alimony / Child Support

Additional Comments

Privacy Statement

Debt Consolidation

Pickering Mortgage Broker

Mortgage Refinance

Mortgage Broker Toronto

Toronto Mortgage Broker

Toronto Mortgages