Roberto Pelaccia- Mortgage Agent Professional

I am a Mortgage Professional who is a dedicated part of your financial team. I am completely mobile for your convenience. Call me 905 466 5023

I take the betterment of people seriously. Being a mortgage professional is just another testament to my career long commitment to service excellence.

My clients can expect not only great service, knowledge, and the experience of an industry leading team, but I also genuinely care about my clients long-term objectives and financial well-being. I will prepare a mortgage plan to suit your needs to meet your goals quicker.
You can count on Rob Pelaccia to be on your side

Agent #M13002051 FSCO# 12233

Key Mortgage Partners Dominion Lending Centres is an independently owned and operated franchise.

Key expertise:

Refinancing, Self-Employed,
Preapprovals, Second Mortgage,
Commercial Mortgage,
Construction Mortgage,
Investment Mortgages, Low-Rate Mortgages,
First Time Home Buyer, Equity take out,
Debt consolidation, House gifting,
Down payment gift

Dominion Lending Centres Inc. March 2018 Newsletter

When dealing with a Mortgage Agent or Broker you have all the types of lenders available to you. This month's newsletter will highlight the differences between the 3 main types. Also, we give you some ideas to help keep your home safer from burglars. Happy Reading! This month’s edition looks at the differences between lenders and the battle between variable vs fixed rate mortgages. Please let me know if you have any questions or feedback regarding anything outlined below.

BIG ANNOUNCEMENT...don't miss out Contest-(Funds will be in form of personal cheque; multiple entries allowed; business must be closed by/on draw date; pre-approvals do not count) FISCO#12233

[01/05/18]   My cell phone is no longer, and it will take me up to Tuesday to replace it. Please PM me or email me at if you need to speak to me, and I'll call you back you shortly.

Merry Christmas!! Happy Holidays!!
Thank you and Congratulations to Jaime Heikoop for agreeing to meet me that frigid morning to collect her price.

$2500 giveaway

In the spirit of sales...
Quick close deal (60 Days)-
5 year fixed rate at 2.94%- Insured only!
*for qualified applicants.

[11/07/17]   2.89% Fixed Mortgage rate 5 Years.
Some exceptions apply.
Call or pm me.

The GTA's last affordable neighbourhoods

Great look at neighbourhoods across the #GTA #affordablehoods Our GTA-wide ranking of the top 20 places to buy now

Check out this link

It happened! The Canadian mortgage regulators-OSFI game changing announcement I told you about was finally announced.
Starting January 1st, 2018- all mortgage transactions will be subject to stress testing. This includes refinancing, as well as single unit rental purchases, and purchases with more then 20% down-payment.(currently not subject to stress testing)...    Starting January 1st, 2018- all mortgage transactions will           be subject to stress testing. This includes refinancing, as

Tougher mortgage rules would cause ‘substantial damage,’ says broker | Toronto Star

Dominion Lending Centres is fighting for Canadians!
New tougher mortgage rules expected at the end of the month. Dominion Lending Centres says Ottawa is trying to fix a default problem Canada doesn't have.

What floor is best for a condo: for living and for resale, what are the pros and cons of higher living?

Didn’t know, did you? Today, if you’re buying a home in Toronto, you are statistically likely to be considering a condominium — not only for affordability but for...

Agents stay on their toes in changing Toronto real estate market

The market has changed-have you? The narrative seems to be about fear, but this is the time of opportunity. Think #longterm #goals #discounts Home buyers nervous about jumping in before prices come down – as sellers stubbornly refuse to lower them

Ontario launches plan to teach high school kids financial skills | Toronto Star

It’s about time Teaching money skills expected to become part of mandatory careers course by fall of 2018. Education Minister Mitzie Hunter to outline plan Thursday.

Hidden tax savings for homeowner heirs

Great tax advice if you are dealing with a hike inheritance- When selling the home of a deceased loved one, you could create some tax savings that will end up in the pockets of the heirs

Banks should be made to act in clients’ best interests: Editorial |...

Don’t bother with a bank “advisor” to help you. Get unbiased mortgage advice from someone that works for you- Me! A national best-interest standard for financial institutions would be in the best interests of clients, yes, but also of the country.

Assault on your rights

Bill-68 will affect everyone in Ontario “Contact your MPP and make your voice heard” Bill 68 — the Modernizing Ontario’s
Municipal Legislation Act, 2017 —
affects you, your family and your

How Mississauga is leveraging its $1.4-billion Hurontario LRT |...

I am glad to hear about all these opportunities, but I am not looking forward to the construction and traffic. With a handful of Greater Toronto and Hamilton Area municipalities politicking over the feasibility of light rail transit, Mississauga is embracing...

Annual housing starts hit highest level in nearly a decade | Toronto Star

We are finally seeing some supply relief in the housing market-- happy home shopping. An increase in housing starts in Toronto could cool off its steaming real-estate market in the future, one economist predicted.

A family bid $150K under the highest offer on an Oakville home and still...

In a time of housing greed- a humble real estate story... Sellers turn down the highest bid on their Oakville home after deciding couple with four young kids would be the best fit for the community based...

DLC BLOG: Debt-To-Income; a Meaningless Metric

This is talked about a lot, but what does it really mean.... Federal regulators, and most mainstream media, would have us believe that at 167% it’s an Anaconda slithering through our sheets while we sleep, readying to swallow each household whole.

I love Dominion Lending because they love to take the time to recognize hard work. 2016 was a great year for me. Thanks everyone for all the support.

Check out this link

Starting from scratch with your mortgage is the best option in the current mortgage market. CALL ME for free advice.

Mortgage expert warns U.S. Fed will cause rate increases in Canada

More news pointing to mortgage fixed rates are on the rise.
Reconsider attractive variable rates. U.S. Federal Reserve chair Janet Yellen has strongly signalled that the first federal funds rate hike of 2017 will be announced at the two-day...

Mortgage expert warns U.S. Fed will cause rate increases in Canada

More news pointing to mortgage fixed rates are on the rise.
Reconsider attractive variable rates. U.S. Federal Reserve chair Janet Yellen has strongly signalled that the first federal funds rate hike of 2017 will be announced at the two-day...

41% of Chinese buyers say they want Toronto real estate for schooling:...

Well, we are ranked second best country in the world... The top reason why foreign buyers from China want to get into the Canadian housing market is education, not investment, according to data from a...

6 insider tips for smart renovation budgeting | Toronto Star

Good advice that should be considered when looking to purchase homes that need a “TLC”. Experts say to be cautious of quality and save extra in case of unexpected problems

Check out this link

Over bidding on “regular” looking homes is the new normal. Why?! All these new mortgage rules have created even less inventory on the market. Every home becomes a feeding frenzy.
Know what you can afford before you start shopping. Call me.
It WILL be the deal maker for you.

Less then 20% down payment- 2.00% 5 year variable rate.
Free transfers starting as low as 2.05% 5 year variable rate. WOW! Contact me to learn if you qualify. 👍🏼

A financial planner shares her personal system for managing money

#Budgeting is big topic this time of year.
This is a great system anyone can relate to. A few years ago, I put in place a 'Money Flow' system to help my family track our spending.

'They're just wrong': A financial expert fires back at people who say...

Are you still questioning owning...”If you want to guarantee yourself financial insecurity, rent for the rest of your life.” Read more: According to bestselling author David Bach, buying a home is imperative to building wealth.

[11/14/16]   Effective on Jan 1 first-time buyers will not pay land transfer tax on the first $386,000 of the cost of their homes #$2000now$4000 #more

Changes coming in two weeks

Can you afford to buy that house after October 17th? Mortgage qualifying changes coming soon....

How to build a good credit rating

This article does not explain how to rebuild credit. It takes some simple strategies. Call me if you want to learn how 905 466 5033 #realadvice #rebuildcredit A low score can keep you from getting a loan, a place to live or even a job

Expect tougher mortgage rules by November

Thinking of buying a new house or refinancing? Mortgage rules will be getting tougher soon. Let’s speak soon about your possibilities. The tougher mortgage rules means that for the average home buyer it will be harder to get a mortgage and rates may even start to rise.

What Canadians should do to increase their net worth

It’s all about putting your dollars out there and re-investing your returns. #moneysmart The Globe and Mail offers the most authoritative news in Canada, featuring national and international news

‘We ought to be somewhat nervous’ about bond prices, warns long-time Fed...

More signs of negative pressure on rates means mortgage rates likely staying lower longer #ratemovement The former head of the world’s most powerful bank fears that the U.S. is heading toward stagflation — a slow-growth economy coupled with high...

Instead of meddling with foreign demand, we should be freeing up urban...

Big demand and low supply...and the low interest rates are driving the house prices. Finding better ways to deliver affordable housing #keytopic So far, the discussion on housing affordability has primarily focused on demand-side issues

Silent Rooftop Wind Turbines Could Generate Half of a Household's Energy...

This could be in any households’ future: Small wind turbines scaled to the right size for residential and urban areas have so far lived in the shadows of their larger wind-farm-sized...

This real estate software startup might one day shake up the credit...

Love this...weed out bad tenants before they’re your tenants. Zora Computing Inc., aims to make finding good tenants easier, and less risky, for landlords, including by cutting rent default rates by nearly 50...

How tenants can pay your mortgage

Good advice regarding income properties and having a plan... Adding an apartment to your home or buying a second property can generate cash flow, but risks abound

A financial planner shares her personal system for managing money

Some great practical lessons on budgeting here... A few years ago, I put in place a 'Money Flow' system to help my family track our spending.

Before you sign that mortgage renewal offer, think carefully about your...

It should start with a conversation with your Mortgage :) Twenty per cent of customers coming up for renewal each year will switch lenders to seek a deal — Here’s what to look for and what to avoid

[04/13/16]   Don’t think you need a mortgage expert...? Read this and then call me before you buy or refi 905 466 5033

[03/25/16]   Very informative video regarding foreign ownership of Canadian real estate:

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40 Queen Street West
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Lisa Mannello - Mortgage Agent - Dominion Lending Centres Mortgage Plus Lisa Mannello - Mortgage Agent - Dominion Lending Centres Mortgage Plus
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