Simplifying Mortgages, Maximizing Savings – Let’s Make Homeownership Happen!
Meet Elaine Fernandes – Your Trusted Mortgage Agent
With a background in project management and digital marketing, I bring a strategic and client-focused approach to mortgages. Whether you're a first-time homebuyer or refinancing, I simplify the process, ensuring you get the best rates and tailored solutions. Let’s work together to make homeownership a reality!
Today's Rates
6.14%
1 year fixed
Posted
6.79%
4.49%
3 year fixed
Posted
5.3%
4.29%
5 year fixed
Posted
4.98%
5.35%
7 year
Posted
6.63%
**Disclaimer: Rates are influenced by various factors and are subject to change without notice.
My Clients
First-Time Homebuyers
Self-employed and Business Owners
Real Estate Investors
Newcomers to Canada
Luxury Home Buyers
My Special Services
01.
Pre-Approvals
Get an estimate of how much you can borrow before house hunting. A crucial step for first-time buyers and investors.
02.
Refinancing
Replace your existing mortgage with a better rate or terms to save money or access home equity.
03.
Home Equity Line of Credit (HELOCs)
A flexible credit line using your home’s equity for renovations, investments, or emergencies.
04.
Second Mortgages
Use home equity for debt consolidation, renovations, or large expenses.
05.
Debt Consolidation
Combine multiple debts into one manageable mortgage payment with lower interest rates.
06.
Reverse Mortgages
Allows homeowners aged 55+ to access home equity without selling their home.
07.
Commercial Property Mortgages
Financing for business properties, including offices, retail spaces, and industrial units.
08.
Construction Mortgages
Designed for building a new home or major renovations, with funds released in stages.
Blog
Toronto's Condo Market: How Banks Are Influencing Property Valuations
Explore how Canadian banks' practices are shaping Toronto's condo market, from blanket appraisals to potential risks for buyers. Learn about current trends and find out how to navigate the changing la... ...more
Market Updates
February 21, 2025•2 min read
How Much Is Waiting for Rates to Drop Really Costing First-Time Homebuyers?
Thinking of waiting for mortgage rates to drop? Discover why waiting could cost first-time homebuyers more than expected, and how you can make a smart move in today’s real estate market. Read on for e... ...more
First-Time Homebuyers
February 19, 2025•5 min read
Ready to Make Your Home Financing Easy?
Get expert advice, competitive rates, and a seamless mortgage experience. Let’s find the best solution for your needs.
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