Mortgage Renewal, Refinancing, Equity Take out and More

 

Mortgage Renewal

Mortgage renewals are one of the most neglected decisions made during the life of a mortgage. Homeowners do not give much thought to the mortgage renewal process. The typical homeowner receives a letter in the mail that invites the individual to renew his or her existing mortgage at a slightly discounted rate over their “posted rates.” Most of homeowners stay with their existing mortgage lender because they believe it is too time consuming to shop around fora better rate. Or, they may think the offer from their existing bank is the best deal available. This is not true.

Unfortunately, many homeowners end up losing thousands of dollars by

 

simply accepting their mortgage lenders’ renewals with no questions asked. According to the findings of a study by Bank of Canada, loyalty doesn’t exactly pay off for

bank customers. when the borrower switches mortgage lenders or when he or she is a first-time buyer, not when the individual signs a mortgage renewal. This is why it is so important to shop around before you make your decision!

Refinancing

Refinancing a mortgage means paying off an existing loan and replacing it with a new one.

The housing market is at its peak and the recent survey shows that 2017 the prices are going to be bullish. Refinancing your house could be a great idea as it helps most of the homeowners to accomplish one of the following

  • A loan for home renovations
  • Financing for your other personal needs
  • Debt consolidation
  • Access funds for investment

Equity Take Out

You have worked hard to build the equity in your home and now might be the time to get the equity, working for you. You may qualify to up to 95%* value of you home (Normally 80%) – One of your biggest assets in life. Have your home equity solve your problems and make money for you.

Use Access funds for investment/rental property or do home renovations or plan your dream vacation… the options are limitless.

Most of the lenders normally allow 80% loan to value of your home.  I have access to more than 50 lenders and can help you find the best possible mortgage solutions as per your requirement and needs.

Don’t wait contact me NOW for a FREE consultation !!

Our Services

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Our Team

zahera

Zahera

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Testimonials

  • "Thorough and professional.. as a first time home buyer I’m glad to have worked with Gogi. There were no last minute surprises. Even the lawyer and the real estate agent agree it was a seamless transaction"
    Dayo Adeboye
  • "Very knowledgeable in terms of helping people to get and find their new house, he will assist you from step one to the last, Gogi, we’re so grateful to have you, and without your help, they’ve be no way... Thanks for all your help!"
    Ligaya Ferrer
  • Thank you Gogi Luthra for going that extra mile for my family to get into our 1st home, what was almost impossible you made happen ! Looking forward to future business with you. Cheers The Crosato Family
    Joe Crosato
  • My experience with Gogi was great. He is extremely knowledgeable and did his best to address our mortgage concerns as well as concerns we had as first time homebuyers. He was available to answer our questions in the best of his ability. As a first time homebuyer we feel absolutely secure with our purchase. Gogi made us aware of the rules, regulations and financial obligation and provided us with insightful advice for moving forward. He was dedicated to getting the best rate and offered mortgage solutions for us who were in a more complicated circumstances. I am truly impressed. We didn't feel like a client and was able to trust and feel secure in our decision. He is very professional and was so patient with us in explaining anything no matter how big or small. Thank you again for all your hard work and the outstanding service you provided
    Kathy Lumanlan
  • I was new to Canada and was buying my first home. While banks insisted for a 20% down payment, Gogi ji helped me to get an approval within hours from prestigious banks with just 5% down. That too, with very low interest rates. He was so kind to get all the paper work done at my door steps even though he lived very far from my place. He has been a great adviser all through the mortgage process. I am really impressed with his service and I highly recommend people to contact him for all their mortgage needs.
    Mohan Rao
  • We were looking for a home our budget was not very big and we didn’t know what to do about getting a mortgage. But after meeting Gogi Luthra We we’re able to get our home with the full help of Gogi. He help us to get what we wanted at the right price he was there guiding us and helping us fully all the way. I would recommend Gogi to all my friends and Anyone that is looking or having small problems buying a home. He KNOWS ALL THE INS AND OUT OF GETTING YOU WHAT YOU WANT.
    Byron Levi
  • We were new to Canada and thought to buy our new home in Mississauga, which we felt next to impossible being so new to Canada. We were fortunate to meet Gogi when everything started turning positive on our way. He had done a detailed analysis of our financial status. As the credit history was not even 1 year old, we were on our probation period of our jobs, which made the mortgage process more complex. That was the time when Gogi ji had given a sincere advice and we sailed through complete process easily. There were times when due to bidding pressure we wanted to commit to seller without bank conditions. But Gogi always insisted not to do so as he cared for our investments & funds not to go waste in case the home mortgage don't get approved. We remember when we finalized our home at late midnight and contacted Gogi, he was on his job from that moment itself, he emailed to concerned financial institution and got the mortgage sanctioned next day at a very good interest rate all due to this pro activeness. Gogi is honest, knowledgeable and transparent with all the process. With all these experiences and positive impressions we wish Gogi a great future ! We recommend and refer all our friends & family to contact Gogi Luthra for all of their mortgage needs.
    Saurabh Awasthi

Our Lender Partners