I'm here to help with your mortgage needs, refinancing, new home purchases or mortgage renewals.
Safebridge Financial Group - Dean Ramani - Mortgage AGENT
First Time Home Buyer Mortgage | Mortgage Renewal | Mortgage Refinancing
Save your time and find the best Mortgage that suits your needs!
Services also include Purchase and Refinance Mortgage, Private Financing, Investment Property Mortgage, Construction Financing and Equity Take Out Mortgage.
Serving clients across Richmond Hill, Aurora, Vaughan, Toronto, Markham, King City, Newmarket and the surrounding areas.
Earn your chance to win a $500 gift card
for any deals closed between now and December 31, 2020
About Dean Ramani
LET ME HELP YOU FINANCE YOUR HOME! I'LL SWEAT THE DETAILS SO YOU DON'T HAVE TO.
I will provide you independent expert advice on your financial options. I am not tied to a specific lender or products so I can offer you mortgage products that will best match your specific needs.
SAVE YOU TIME WITH ONE-STOP SHOPPING
Instead of spending your valuable time meeting with competing mortgage lenders, I can quickly narrow down the list of lenders that will help you achieve your financial goals. I will make your comparison-shipping fast, easy, and convenient.
NO CHARGE TO YOU
There's absolutely no charge for my services on typical residential mortgage transactions. Like many other professional services, such as insurance, mortgage Agents are paid a finder's fee when we introduce dependable clients to a financial institution.
GET STARTED WITH YOUR APPLICATION NOW!
TYPES OF MORTGAGES
A fixed mortgage offers you the security of locking in your interest rate for the term of your mortgage, so you know exactly how much principal and interest you will be paying on the mortgage during the term. Terms range from 6 months to 10 years. Fixed rate mortgages offer some form of pre-payment, from 10% to 25% of the original mortgage balance each year, depending on the lender. If you wish to pay off your mortgage in full, there will be a penalty of either 3 months simple interest, or an Interest Rate Differential (IRD). The benefit of this mortgage is the rate is lower than an open mortgage, making it a more popular option if you have no plans to pre-pay it in full during the term you select.
A variable-rate mortgage allows you to take advantage of today's low Prime Rate. Most variable rate products are set below prime, terms range from 1 to 5 years. Payments vary depending on the product or lender you choose. In some cases you can fix your payments for up to 5 years, but the interest rate will fluctuate as the Bank Prime Rate changes. In other cases your monthly payments will fluctuate depending on how many times the Prime Rate changes during your term.
An open mortgage allows you the flexibility to pay off some or the entire mortgage at any time, without penalty. Interest rates are usually higher and are tied to the Bank's Prime Rate.
A secured line-of-credit allows you to access the equity in your home whenever you choose. Rates are tied to prime, usually slightly above prime. Required payment on the balance is interest only, making it a good choice where cash flow may be important. Lower interest rates compared to an unsecured line of credit. You may have a secured line of credit and a mortgage, if you have good equity in your home.
Contact Dean Ramani
CONTACT ME! LET'S GET STARTED TODAY!
Get in touch with me today for your FREE consultation!
Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help.
I am part of TMG The Mortgage Group – an award-winning Canadian mortgage brokerage with a national team of over 800 qualified and accredited mortgage agents and associates providing residential and commercial mortgage services. Since 1990, TMG has helped over a quarter million Canadians get the best financing solutions and mortgage rates through Canadian mortgage lenders from coast to coast.