What is a mortgage pre-approval?

A pre-approval is a preliminary assessment of your borrowing capacity. It gives you a maximum amount you can borrow and a guaranteed rate for a set period, usually 90 to 120 days.

What is the difference between fixed and variable rates?

A fixed rate stays constant throughout the term, offering payment stability. A variable rate fluctuates with the Bank of Canada's key rate, potentially more advantageous but with more risk.

How much down payment do I need?

In Canada, the minimum down payment is 5% for properties under $500,000, 10% for the portion between $500,000 and $1M, and 20% for properties over $1M. I can help you explore your options.

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Harold Rojas

Mortgage broker

My name is Harold Rojas, a certified mortgage broker, and I am dedicated to supporting my clients through every step of their real estate project. My role is to offer you personalized solutions tailored to your needs and financial situation while guiding you towards the best conditions available on the market. With a transparent and professional approach, I ensure that you understand your options and make informed decisions. Whether it's for the purchase of a first property, an investment, or a refinancing, my goal is to make the process simple, efficient, and reassuring for you.

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(514) 561 8874

harold@hnaimmobilier.com

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Harold Rojas