best mortgage rates

4.45%	6 MonthsFixed Rate Mortgage
2.89%	1 YearFixed Rate Mortgage
2.99%	2 YearsFixed Rate Mortgage
3.19%	3 YearsFixed Rate Special
3.25%	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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Profile: Paul Fillman

Paul Fillman (Manager, External Sales - Central Ontario & GTA)

Cell: / Office: 905-421-9330 x 8421

Area Covered: Toronto

License #: M11002485

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Paul brings over 20 years of experience in the Mortgage Industry. He began his career with one of the leading Insurance Companies in Canada providing mortgage services to their clients. Paul then moved on to one of the leading financial institutions in the country as a Mortgage Specialist. Progressing quickly, he was promoted to Area Sales Manager with a team of 20 reps consistently leading the bank in sales and customer service in the mid 1990’s. From there, Paul moved on to one of Canada's leading banks for mortgages where he continued to shine and put together impressive sales year after year.

As a Member of The Canadian Association of Accredited Mortgage Professionals and The Independent Mortgages Brokers Association of Ontario, Paul brings a wealth of experience and knowledge to every client he serves.

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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.

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

Profile: Paul Fillman

Paul Fillman (Manager, External Sales - Central Ontario & GTA)

Debt Consolidation

Pickering Mortgage Broker

Mortgage Refinance

Mortgage Broker Toronto

Toronto Mortgage Broker

Toronto Mortgages