Mortgage Concepts Inc

Mortgage Concepts Inc

Whether you want to buy a home, setup a business, refinance an existing loan or mortgage, we offer you the perfect solution to cater to your specific needs

We are a leading mortgage brokerage firm offering seamless solutions for all your mortgage needs. Whether you want to buy a new home, set up a business or even refinance an existing loan or mortgage, we offer you the perfect solution to cater to your specific requirement. Customer Oriented Services We put our customers first and strive to serve them better. Our ever-increasing clientele is a clear indication of our commitment and focus to serve them better. We help our customers pick the right mortgage solutions according to their need, and then personalize them to suit their individual requirements. Our aim is not only to provide the best service but also to establish a long-lasting relation with our customers. Highly Qualified and Experienced Mortgage Staff Our team comprises of some of the most dynamic and experienced personnel from the mortgage industry, having a thorough industry knowledge. We will provide all the necessary advice and guidance that you might require for your mortgage application, interest rate negotiation, or any other related procedure. We constantly work towards offering you the best solution in the most cost-effective manner. Efficiency through Flexibility The mortgage industry is extremely dynamic and volatile. Rates may change drastically in a matter of hours. We are quick to detect such changes and keeps its customers well informed and updated at all times. Our processes and systems are flexible and easily adapt to such fluctuations so that the customer is never at a loss. Industry Leading Products and Services We offer a wide array of products, tools and services that are designed specifically keeping the mortgage industry in mind. Our online tools and calculators take care of all the numbers and calculations involved, quickly and accurately.

Toronto Housing Market Steadies as Sellers Bide Their Time Toronto’s housing market was little changed in March as sellers stayed on the sidelines.

Bank of Canada maintains interest rate: Read the official statement Bank of Canada holds its key interest rate at 1.75 per cent

A first-time homebuyer’s guide to building a healthy credit history for homeownership If you have an icky credit history, or outstanding consumer debt, you’re not alone.

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Would more transparency in Toronto bidding wars be a good thing for home sellers? The Ontario government is mulling changes to provincial real estate rules, and it could result in homebuyers having increased access to information during a bidding war.

Toronto households have to save for 102 months to afford a downpayment on a home And five other shocking facts about Canadian housing affordability.

A first-time homebuyer’s guide to Canadian government programs and incentives First-time homebuyers in Canada have the opportunity to take advantage of some great federal government programs to assist them when purchasing their first home.

January is by far the best month of the year to buy a house in Toronto According to Justo Brokerage, Toronto’s newest concept in real estate, January is typically the best month for Torontonian house hunters to make a purchase.

Calgary housing market ‘remarkably resilient’ despite low oil prices: Royal LePage - BNN Bloomberg Calgary’s housing market has fared fairly well despite record-low oil prices that have plagued the country’s energy sector in recent months, according to real estate firm Royal LePage.

Mortgage Concepts Inc

New condo sales are still surging in these Canadian housing markets A national trend of dampening homes sales has not swept through the new condo segment of every large Canadian housing market.

A bad sign for indebted Canadians is emerging as bankruptcies continue to rise

Call us before you feel your overburdened. We may have solutions for you. Borrowers in Canada got some welcome news today when the central bank announced it was holding its influential policy rate at 1.75 percent, suggesting interest on loans won’t be increasing for now — but one of Canada’s biggest banks has highlighted a potentially troubling trend.

The problem with the Canadian government’s mortgage stress test On a recent segment of BNN Bloomberg, Toronto realtor John Pasalis voiced support for extended mortgage stress testing nearly a year to the day after the federal government introduced it.

The Latest in Mortgage News - 2019 Forecasts - Mortgage Rates & Mortgage Broker News in Canada Share via: 273 Shares We’re about to turn the page on what was a challenging year for the mortgage and housing markets. But so far 2019 isn’t looking like it will be much better. That’s according to a slew of forecasts that have been released recently, most of which forecast moderating home sa...

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3 ways stricter mortgage rules will still affect the Canadian housing market in 2019 While many industry watchers are now focusing on the impact of higher interest rates on the market, the stricter qualification rules will continue to weigh on housing activity in the new year.

Five predictions for Canada’s mortgage market in 2019 As the election approaches, politicians will add mortgage accessibility to their campaign platforms

National Housing Market Dips Further in November - Mortgage Rates & Mortgage Broker News in Canada National home sales and prices softened further this November according to recently released data by the Canadian Real Estate Association.

These are the top performing Canadian housing markets of 2018 With under a month left in the year, a picture of the Canadian housing market’s clear winners — and losers — is quickly emerging.

Here's where interest rates are going to hit the Canadian housing market hardest in 2019 While the country is infamous for its high levels of household debt, rising interest rates have started to exacerbate what is already a precarious situation for many homeowners, according to the latest report from the Canada Mortgage and Housing Corporation (CMHC).

[12/08/18]   We hope you have been enjoying this wintery weather and the beautiful lights of the holiday season. We have some great news to add to your festive spirit!

Your variable rate mortgage, line of credit and/or student loans are all based on the Prime Rate.

At 10:00 am EST, Wednesday December 5, 2018, the Bank of Canada maintained their overnight rate which in essence means no change to your interest rate. This is great news which I’m sure puts a smile on your face during this holiday season.

2016, 2017 and 2018 have been quite the roller coaster. From a mortgage legislation stand point as well as the actual home prices and now a rising interest rate environment. If you are unsure what this all means to YOU and your situation. Give us a call to help plan your financial path for 2019.

New rules for condos in Ontario taking effect this fall New protections for condo owners and rules for managers and directors in Ontario are taking effect this fall

Young Canadians worry about debt, buying a home Which Mortgage Canada

Is this You? If you are worried about your current debt load, talk to us about mortgage consolidation, you'll be surprised when we put your mortgage to work for you ;) Retirement is far from the thoughts of many young Canadians with more pressing financial issues dominating

What does the loom of rising interest rates mean for the mortgage market? Canadians are starting to take note that the key number determining how much they pay for a mortgage is very likely going to soon go up. Mortgage specialists are increasingly hearing from people in the property market now that the Bank of Canada has strongly hinted it could hike the key interest rat...

CMHC Survey Provides Insight into Mortgage Consumers | CMHC Insights into the behaviours, attitudes and expectations of Canadians when acquiring, renewing or refinancing a mortgage. It is the largest and most comprehensive survey of its kind in Canada.

Most consumers consider mortgage professionals important Which Mortgag There is a growing acceptance of using technology to arrange a mortgage but face-to-face meetings with mortgage professionals are still important to most consumers

Low-Cost or No-Cost Home Modifications for Seniors and People with a Disability | CMHC The guide contains over 50 low- or no- cost modifications to make your home more accessible.


Rubbish sheepdog gets chased by sheep.. 😂😂

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Bank of Canada makes interest rate announcement The BoC released the news shortly after 10am this morning

Canadian housing starts trend upwards in April | CMHC An insightful summary of preliminary housing starts data for Canada, Province and CMAs for April 2017.

Pic of Port Dalhousie Lighthouse getting a lot of attention A picture of the Port Dalhousie Pier lighthouse close to being underwater is going viral.

Hamilton's top neighbourhoods Over the past five years the average price of neighbourhoods in Hamilton have risen more than 60%. Here are the hot spots to buy Hamilton real estate.

Heineken | Worlds Apart | #OpenYourWorld

Heineken presents ‘Worlds Apart’ An Experiment. Can two strangers with opposing views prove that there’s more that unites than divides us? #OpenYourWorld Fin...

How Using The Power of Positivity Actually Changes the World Around You ?Are you the prophet of self-doom? Or do you let it slide and carry on regardless? Here's how the power of positivity actually changes the world around you...

10 Best-Kept Secrets for Selling Your Home Tricks of the trade to help you get top dollar when selling your home.

Top 10 home energy saving tips Harvard University Housing's 2014-2015 Sustainable Community Leaders share their tips for reducing energy at home.

Bank of Canada announces rate The Bank of Canada held its trendsetting interest rate unchanged on Wednesday, despite a recent run of stronger-than-expected data, saying it believes the economy has yet to show it can stick to th ...

Bi-weekly payment myth… it doesn’t pay your mortgage off faster. For years, we’ve been told to pay our mortgage bi-weekly. Magically, it will  pay your mortgage off faster.  Hmm, let’s put that to the test. (SPOILER ALERT!)  Around 6 yrs ago, I wrote…

Young Canadians renting out their homes to fund mortgage payments In particular, Toronto’s millennial mortgage holders spend nearly two-fifths of their rental incomes on mortgage payments

BIG FIVE BANKS employees speak out about deplorable sales tactics… and it’s gone viral! A news story from CBC has gone viral.   The BANK employees are under tremendous pressure to sell YOU products.  They will say and do almost anything, according to the CBC news article. For those of…

Panic buying? When will the housing market slow down?   Houses selling over asking price is becoming the norm, these days.  Kinda crazy.  Sometimes a house is just listed under market value to attract a frenzy of buyers. An old tactic that has wo…

Vacation properties set for another strong year There was an 11 per cent rise in the resale of vacation properties in Quebec in 2016 and the market is set to remain strong this year

Cuteness overdose

Hope this brings a few doggone smiles to your day!!

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Value of a Broker Mortgage Professionals Canada with over 12000 members, representing 1500 companies, MPC is the national association and the collective voice of the mortgage industry in Canada.

You Need A Budget (YNAB)

Great New App to help you save!!!

Does the end of every month feel like a painful countdown until pay day—ignoring bills and surviving on beans and rice? We can teach you how to get control of your money and end the paycheck to paycheck cycle for good.

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80 King St. East, Suite 102
Hamilton, ON
L8G 1K2

Opening Hours

Monday 10:00 - 18:00
Tuesday 10:00 - 18:00
Wednesday 10:00 - 18:00
Thursday 10:00 - 18:00
Friday 10:00 - 18:00
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