HOW I CAN SERVE YOU
Get the Financing You Deserve
When it comes to financing or refinancing your properties, you want to make sure you have a professional and experienced Mortgage Broker by your side. I guarantee my clients the best financing and mortgage services. With Pranesh Mudaliar, you’ll receive the best customer service as well as helpful, easy to digest resources to help you understand what’s really going on behind all those complicated numbers.
More Ways to Save
Whether you need help negotiating a mortgage or buying a new home, Pranesh Mudaliar can manage all your mortgage needs. My Mortgage Lending services will take the complications out of the process. You’ll be surprised by how easy your life becomes once we work together — contact me and find how my Mortgage Lending services can help.
What You’ll Be Getting
Whether you’re buying your first home or looking for a new property, there’s lots of emotions involved in mortgages and financing. That’s where I come in. I help my clients with all their Credit Assessment needs so they can enjoy the fun and excitement of buying real estate knowing they’re in good hands.
There’s lots of options for clients when it comes to financing a real estate investment. Pranesh Mudaliar provides the best selection of mortgage loan products, including Fixed Rate and Adjustable Rate Mortgage. The choices are vast and hard to understand, but I’m here to help with any questions you may have.
FIRST TIME HOMEBUYER
As a first time homebuyer, everything is new and exciting; the thrill and pride of purchasing the largest asset you own, the terminology, the process. This is a big decision and I am here to guide you through the process, explaining and education you with details so you are well equipped along the way to make the right choices and decision.
As a first-time home buyer, you may be entitled to certain exemptions when it comes to land transfer tax (this we can explain as well). Taking advantage of the RSP Homebuyers Plan is a fantastic way to use your RSP investments for your down payment while not being taxed upon withdrawal.
The new First-Time Home Buy Incentive allows eligible first-time
homebuyers who have the minimum down payment for an insured mortgage, to apply to finance a portion of their home purchase, through a form of shared equity mortgage with the Government of Canada.
From obtaining a pre-approval, to selecting a real estate agent, lawyer, and guiding you through the approval process and documentation required. I am here to support you all the way!
Ready to get Started?
Let's find the best rate for you!
DEBT CONSOLIDATION & RELIEF
Are you simply paying more interest on your debt than you have to? Are your overall payments higher than they need to be? Using the equity in your home to reduce your interest costs, reduce your payments and place more money in your pockets may just the answer.
It stands to reason that if you are consistently carrying a balance on high interest credit cards and lines of credit ,then it may be in your best interest to consolidate that debt into a lower rate mortgage. It may also be worth while to consolidate any other debt such as installment loans (i.e. auto loans) or 2nd mortgages into one mortgage, one payment.
With our Debt Consolidation strategy we can assess your current debt load to determine if it makes sense to consolidate within a new mortgage. To refinance for this purpose we can provide a mortgage for up to 80%* of the value of your home to pay out the existing mortgage and designated debts.
Ensure you are getting the Very best rates on your mortgage !
Renewing your mortgage is as important of a financial decision as selecting your first one. While renewing your mortgage, you are in a stronger financial position as compared to where you were before. Your home equity grows over a period of time and by decreasing your principal loan balance, you are in a good position to negotiate.
However, many people end up signing their existing agent’s mortgage renewal form without discussing how they can get a better deal on the new mortgage. This results in a higher rate and a mortgage package that does not cater to your individual needs.
With my expertise as a Mortgage agent, I can help you get the most out of your mortgage renewal. Pay off existing debts, clear high-interest credit card bills, renovate your home and do a lot more after renewing your mortgage.
SELF EMPLOYED MORTGAGE
It has become increasingly difficult for self employed individuals to finance properties. It’s not news that the majority of business for self clients may not claim as much in personal income due to business expenses and the opportunity to reduce ones tax liability.
Luckily, we may have a way to solve these problems for the entrepreneurs of Canada. If you have been self employed for at least 2 years and can prove this, plus have a proven track record of debt repayment evidenced by your credit bureau – then there is a self-employed solution for you!
Whether you are purchasing, refinancing or transferring your existing mortgage – we can personalize a mortgage that works best for you. With options available of as little as 10% down, we do our best to provide mortgages to those self employed individuals that have demonstrated credit worthiness regardless of income declared.
HOME RENO & CONSTRUCTION MORTGAGE
Home renovations and construction – those words that conjure up feelings of grand possibilities, but also stress. Let us help remove the stress of whatever your project may be. We have personalized solutions for the following scenarios:
Home renovations upon purchasing
Home renovations with a refinance
Construction financing for a new build
There are many things to consider in all scenarios and we want to make sure that you have the funds required to complete your project in the way you intend. Call me today to discuss your desired plan and ask for Home Reno & Construction Solutions