Ruby Mortgage Broker

You might be eligible for a refund up to 25% of your CHMC mortgage loan insurance premium?

If you bought CHMC insurance within the last 24 months and you meet the following condition below you are elgible:

Condo Owners: Ask you property manager if your building meets the LEED Canada New Construction standard.
Refund of 15-25% on your total premium

Pre-Con Home Owners: If your home was under any of the following standards: R-2000, CHBA Net Zero Ready and Net Zero Homes, Built Green, ENERGY STAR, GreenHouse, LEED Canada for Homes, Novoclimat 2.0 or Efficiency Manitoba’s New Homes Program.
Refund of 15-25% on your total premium

Existing Home Owners: Have you bought an outdated home and made renovations such as new energy efficient windows, new appliances, new furnace, AC, insulation, etc..
Important** You must have your home assesed before and after renovations by a licensed Natural Resources Canada (NRCan) qualified energy advisor.
Refund of 15-25% on your total premium

To Download the form please visit https://www.cmhc-schl.gc.ca/en/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-green-home/green-home-program-partial-premium-refund-application

If you have any mortgage related questions please DM us!

Variable Mortgages: With the rate hike March 2rd 2022 Many mortgage payers will feel a pinch now as payments went up. But at the end of the day, the variable option is the cost efficient route. We did some digging around and made a list of banks that offer variable mortgages with "fixed" payments. Take a look at the list. If you have any questions please let me know via DM. Thanks!

BlackNorth Initiative Homeownership Bridge Program

An Affordable Homeownership Option that Enables Black Families to Thrive.
The BlackNorth Initiative (BNI) Homeownership Bridge Program helps working black families like yours become homeowners, empowering you to build security, stability, equity and the opportunity to make life better for yourselves, your children and generations to come.

The BNI Homeownership Bridge Program in partnership with Habitat for Humanity GTA and empowered by Dream Legacy Foundation is designed as both a symbolic and a practical approach to mobilize all levels of society in working together to eliminate systemic racism. The BNI Homeownership Bridge Program is an affordable housing solution that responds to an economic and racial inclusion problem.

For more information visit https://dreamlegacy.org/hbp/

If you have any questions about mortgage, please feel free to contact Ruby Mortgage😊

Beginning March 7, 2022, your customers will be eligible for one of the following offers based on
the purpose and amount of their TD Mortgage or TD Home Equity FlexLine Term Portion

Borrowing Amount - Cash Bonus
1.5 Million+ -- $3000 Cash Bonus
1.0 M to 1.49 Million -- $2500 Cash Bonus
750k-999k -- $1500 Cash Bonus
500k-749k -- $950 Cash Bonus
150k-499k -- $500 Cash Bonus

Up to $3,000 in Cash Bonus from TD on New Mortgage or Refinance!

📞647-990-7258