Lowest Rate 1.99% Mortgage

The Best Mortgage to have is No Mortgage at all.  Romy's Mortgage Minute 5.2014



The offering of 1.99% Mortgage is enticing but is very strict to qualify for. There are penalties to exit early, should you need to or your circumstances change.

Why not meet, in the comfort of your residence and everything can be explained to you.

Romy Alegria
416 278 2540

Home Equity Line of Credit - HELOC

HELOC - Customer Level Pricing (CLP)

• CLP is being introduced to provide customers with a competitive HELOC (Home equity line of credit) variable interest rate.
• The CLP Rate is generated by evaluating a number of attributes that incorporate customer relationship, credit worthiness and HELOC application details such as appraised property value, collateral charge position, Equity Lending, credit worthiness etc.
• If client is not satisfied with the CLP Rate, we still can submit a HELOC Pricing Exception Request.
• Heloc is a good option for an equity take out for future investments. Send your inquiries now. 

From TD Economics
Housing starts fell to 180K units on an annualized basis in August, a 6.6% decrease from the month prior. Yet, the six-month moving average remained steady at 187K units. 

• Home prices rose for the sixth consecutive month as the 11-city Teranet House Price Index (HPI) increased by 0.6% month-over-month in August. 
•  Household leverage, as measured by household credit market debt to disposable income, increased to 163.4% in Q2, up from 162.1% in Q1. The showing snapped the streak of two consecutive quarterly declines, but in level terms, the ratio has stabilized over the past year. 
• The National Household Survey (NHS) release confirmed what we had previously observed only anecdotally – one-quarter of Canadians devote more than 30% of their total income to shelter costs, surpassing the threshold at which housing becomes unaffordable. 

Romy Alegria | Manager, MMS | TD Canada Trust
P: 416.278.2540 | F: 1-866.222.5708
E: Romy.Alegria@td.com
W: http://mms.tdcanadatrust.com/romy.alegria/