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April 25, 2017
1 Year Closed : 2.34 %
3 Year Closed : 2.35 %
5 Year Closed : 2.54 %
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Heidi Hamano AMP - Mortgage specialist committed to work for your best interest

Surprising announcement made by Finance Minister, Jim Flaherty on June 21st, change of mortgage rules, will save Canadians thousands of dollars as he confirmed four changes to the rules governing insured mortgages (purchasing less than 20% down payment).

At a news conference in Ottawa, Mr. Flaherty confirmed that Ottawa will:
     .  reduce the maximum amortization period to 25 years from 30 years.

     .  The maximum amount of equity homeowners can take out of their homes in a refinancing is being reduced to 80 per cent from 85 per cent.
     .  The availability of government-backed mortgages will be limited to homes with a purchase price of less than $1-million
     .  The maximum gross debt service ratio will be fixed at 39 per cent and the maximum total debt service ratio at 44 per cent.

"I remain concerned about parts of the Canadian real estate market, particularly in Toronto, but not only in Toronto," said Mr. Flaherty. "This is a judgment call. This is not written anywhere in a book about when one intervenes and when one does not intervene, but my judgment is that we need to calm particularly the condo market in a few Canadian cities."

The changes will take effect on July 9, 2012.
For further information, please access
When it comes to mortgages, leave it to the professional.
Call me at (604) 250-7649 and take advantage of my service at no cost to you*
         Making a sound financial decision during a transition in life can be challenging. My job as a mortgage specialist is to make your decision-making process hassle and stress free while providing a service that saves you time and money.

         A Mortgage specialist works independently from any financial institutions,  allowing us to select a mortgage which best fits your financial situation and future goals.


* On Approved Credit (O.A.C.)


             Customer Relations    

I treat each customer with integrity and professionalism.  As a mortgage broker, your satisfaction is the best rewards.  Allow me to provide you with one stop convenient mortgage solution, whether it is for financing a new home, refinancing to consolidate debts, home equity take out, or to purchase an investment property. It does not matter what your status is, whether you are a self employee, new immigrant to Canada, etc.  


The Mortgage Group

Being an industry leader for the past fifteen years, The Mortgage Group has access to more than 30 lenders including major banks, credit unions, mortgage companies and private lenders.  Interest rates can be up to 1.5% (o.a.c.) lower than the majority of lenders' advertised rates. 


Knowledge and Expertise

With ever changing mortgage marketplace, it is instrumental for consumers to utilize the knowledge and negotiating expertise of the mortgage specialists.  You have nothing to lose, but so much to gain.  Why not become an informed consumer who can say with confidence that the mortgage product you have chosen is the right one. 

My service
I am here to assist clients in many ways beyond just getting a mortgage and often doing this at better rates than a bank is able to offer:


Mortgage renewal coming up?  I can lock in at a competitive rate for 120 days prior to the current mortgage maturity date.  


Home Equity Line of Credit (HELOC)
Thinking to use your equity towards home improvement or achieving your financial goal. 
Consolidate High Interest Debt
Take advantage of low interest rate and reduce hundred of dollars on high interest rate credit card payment
If your current mortgage interest is at 5% or higher, it may be worth looking into re-financing which could improve your monthly cash flow.













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