Steve Garganis

Mortgage Broker/Owner - FSCO Lic # M08000591

Tel: 416-224-0114 Cell: 905-334-4263

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Term OUR RATES
Variable Rate 2.10 %
1 Year Closed 2.60 %
3 Year Closed 3.39 %
5 Year Closed 3.89 %
7 Year Closed 4.90 %
10 Year Closed 5.15 %

Market Trends

NeedAMortgage.ca is always connected to the latest industry mortgage news in order to always get you the best possible rates and mortgage products. 

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Mar 2008 CBC says 1% discounts more difficult to get

Mar 2008 Economists expect another rate cut

Mar 2008 Bank does cut rate by 50bps

Feb 2008 Is Canadian real estate safe?

Feb 2008 Bank of Canada will cut rates by 50bps

Feb 2008 Provincial Land Tax rebate

Jan 2008 Toronto Land Tax rebate

Dec 2007 Economists forecast rate reduction

Nov 2007 CMHC Housing outlook positive

June 07 Rates increase but for how long

Apr 07 Watch for Rising Canadian $

Feb 2007 Economist Rate Outlook

Jan 2007 - Economist Rate Outlook

 Dec 2006 - Record Stock Market

 October 3 2006... Economist calling for 1.00% drop in Variable rate

 Trust In Lower Rates - September 2006

 Experts Recommend Variable - July 2006 

 Hang Tough On Mortgages - May 2006 

 Economist - May 2006

 Economist Knows Best - April2006

CIBC Economist April 2006 

35 Year Amortization

New 30 Year Amortization March 2006

Consolidate or not to Consolidate your debts?

Homebuyer's Guide

Mortgage Brokers Make Good Financial Sense

Economic update  Feb 2006

What a Broker really does

2006 Rate forecast

Variable vs. Fixed rate... which is better?

5 year fixed rate vs Variable...30 Year historical chart

  Tax Deductible Mortgage Presentation




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