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Mortgage Broker
Private and institutional mortgages at best rates.
Private and institutional mortgages at best rates.


Home Equity Line of Credit without income verification. HELOC from $50000 to $1,000,000 without any income verification. Only need application and appraisal. Rates from 7.8% in first position, and from 8.99% in second.
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Fall colors
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View from my Invis office.
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The Inside Scoop on the Best Season to Sell Your Home
By Gavin Chen HGTV
Common belief has held that the best time to sell a home is in the spring, and the best time to buy is in the fall. Although there is merit to this argument, not everything can be so definitive and concrete. There are so many variables at play that all must be weighed before jumping into the real estate ring.
1. The Best Time to Sell
Spring is most commonly believed to be the best time to sell. It’s the most agreeable weather for showings, most people want to get settled before summer, it’s easiest logistically for moving (who wants to move boxes and furniture through snow?), provides longer days and daylight, avoids the school season and shifting schools mid year for kids, and shows off the landscaping and gardens. However, this is also statistically the time with the most competing sellers on the market. This will affect you most if your home is one of many identical houses in a subdivision. Consider professional staging as a way to make your home stand out if forced to sell in this high-competition season.
2. The Worst Time to Sell
Yes, the holiday season is not the ideal time to sell. People are busy or stressed out and are prioritizing family and holidays rather than home buying or selling. Mid December to mid January is the highest travel season, and thus there are fewer buyers around to view homes. There’s also the perception that you are desperate or need to sell if you are listing your home during this time. Buyers will try to be more aggressive with you as a result.
However, it is a misconception to say that January and February are not ideal months to sell. The Toronto market has shown great sales in these months and these tend to be high transaction periods for my team.  There are tons of buyers and activity on the market, and especially if the weather is moderate.
3. Show Off Your Home’s Best Assets
Sell when the features of your home have the most impact. If you have a pool with beautiful stone work or tiling, be sure to sell your home in appropriate weather. Buyers will love your pool when they are viewing on a hot day or be dazzled by pool lights at night versus a pool cover with piles of leaves or melted snow in the winter.
If you have tons of windows and skylights, show your home when the sun is shining and you can have the longest showing days (spring and summer).
If you have a small bungalow, but an amazing landscaped garden, show when your garden is in full bloom. Buyers may be swayed by the sight of your garden and overlook other shortcomings.
If you don't have central air, and you like your house hot and use lots of standing fans, sell your home in the fall or early spring when the weather is more moderate and appealing to the general masses. You can have the windows open for fresh air and avoid the clutter and noise of fans.
If you have a showpiece fireplace, have it burning for late fall and winter viewings. Buyers will want to make some cocoa and curl up in your living room.
4. The First Weeks of Summer—Take Caution
Cocktails, patios, and cottages, in no particular order or combination, are the holy trinity for Torontonians once the weather shifts into summer. After being cooped up all winter and during the wet spring, Toronto becomes obsessed with the outdoors and socializing. Good luck tearing potential buyers away from their summer holidays to come view your home during early summer. You will have a lot less action on your listing during this time.
5. Condos and Lofts
Typically, condos and lofts have a longer sales period as freehold homes, given that the buyers are typically first-time home buyers, or do not have kids. The buyers are not restricted by school seasons and landscaping issues, and moving is less impeded by weather, as they have loading bays and elevators.
You can always sell you home, regardless of the season, but you need to be realistic about the circumstances of your sale. Sometimes life forces your hand, but as long as you are realistic with your expectations and smart about your strategy, you should be able to maximize your value.
Speak to your realtor to advise you about the sellable features of your home, what is sought after in your neighbourhood, and what season will best showcase your home!
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Consolidate Holidays spending.
Put all your credit cards (car loans etc) payments into one mortgage payment.
You can refinance existing mortgage to get more money, or get second mortgage.
Monthly payments on $50000 outstanding balances on credit cards $1500 (3%).
Monthly payments on second mortgage at 12% $500 (interest only payments).
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Top 10 Most Common Real Estate Regrets
Could have, would have, should have! Learn from the most common mistakes people make when it comes to purchasing (or not purchasing) real estate so you can avoid the same regrets.
By Adena Leigh HGTV
Misunderstanding the Buying/Selling Process
According to a new survey by the Real Estate Council of Ontario (RECO), 38 per cent of homeowners wished they had a better grasp on the buying and selling process when purchasing their home. Make sure you're well versed on the intricacies of making a real estate purchase before you get pressured into a deal.
Not Buying Sooner
According to the 2012 TD Canada Trust First Time Home Buyers Report, 55 per cent of home buyers wish they would have purchased a home sooner to avoid wasting money on rent.
Not Making a Bigger Down Payment
On the contrary, 60 per cent of new home buyers wish they would have made a bigger down payment, which would likely require more time to save before getting locked into a mortgage.  
Not Budgeting for Ongoing Costs
29 per cent of those surveyed said they overlooked some of the additional costs of owning a home like maintenance and utilities, while 13 per cent overlooked some of the fees associated with buying a home, such as inspection fees and land transfer costs.
Not Buying Closer to Work
So the saying goes, “location, location, location!” According to a Trulia survey, 15 per cent of homeowners wish they had chosen a home with a shorter commute to work.
Seeing More Houses
Buying a home is one of the biggest purchases a person can make, so it’s no wonder that RECO found that 21 per cent of homeowners wish they had shopped around more before making a decision on a house. 
Interviewing More Real Estate Agents
Home buyers often focus more on shopping for a property than shopping for a real estate agent, but RECO reports that 9 per cent of homeowners wish they had spent more time researching and interviewing real estate professionals before selecting one.
Using All Their Savings
One mistake some home buyers make is putting their entire savings into the purchase of their home. Buyers should be prepared for unpredictable circumstances, like losing their job, before borrowing the maximum amount approved from the bank. 
Not Getting a Home Inspection
Not getting a home inspection is a sure fire way to have regrets after buying a property. RECO reports that 15 per cent of homeowners wish they had had one when purchasing their home. 
Not Buying Bigger
Sounds like home buyers tend to downplay their size needs, because according to Trulia, 34 per cent of homeowners wished they had chosen a larger home.!/0
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Alex Vinarski
SECOND MORTGAGE? I HAVE BETTER PRODUCT. Instead of Second Mortgage I offer HOME EQUITY VISA. This is much better product than second mortgage, as borrower only pays interest on money that he actually use, and it's fully open. Rate 7.99%, no annual fee, min payment 1% of the balance. Good bonus is 1% cash back on purchases. Up to 65% of the home value. No income verification (no tax return required), just need to show that business exist and operate. Legal fees under $500.
Of course, if there is not enough equity in a home for Home Equity Visa, I can offer regular private second mortgage up to 95% of the property value.
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Banks can refinance only up to 80% of the property value.
I have lenders, that will do second mortgage up to 95% of the property value on houses and up to 85% on strata properties.
In difficult financial situations, don't wait until your credit cards max up. When you start missing payments, will be harder to get the loan, and rates will be higher. Monthly payments on second mortgage much lower, than payments on credit cards or Line of credit. 
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