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Funding your destiny

Mortgage & Financing

First Time Home Buyers

Buying a home is an exciting time! You’re about to take a big step so you’ll definitely need some advice from a mortgage professional. We’ll give you the facts your bank won’t tell you about financing your next purchase. With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your…

New to Canada

Just because you are a new immigrant does not mean that you have to wait to purchase a home. If you have been in Canada for less than three years, have landed immigrant status, and have been employed in Canada for a minimum of three months, you can qualify for a mortgage. The documents you will need include a letter…

Get a Pre-Approval!

Find out how much you can afford before you go house hunting! This will keep you focused on shopping for homes within your price range. If you qualify for a pre-approved mortgage, you’ll be certain of the size of mortgage for which you qualify and guaranteed a rate for a specific period of time. If you don’t qualify for a…

Business Owner or Self-Employed

When it comes to mortgages, it hasn’t always paid to be self-employed – because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. We understand business owners because we’re business owners as well! What’s better, we have a long list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians. These…

Investment & Rental Properties

Investment properties – particularly smaller, residential real estate – are now accessible to many average Canadians. And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade. If you’re considering an investment in real estate, start by having a conversation with an experienced Mortgage Broker, to explore some…

Debt Consolidation

Many Canadians are taking advantage of refinancing some of the equity in their mortgage to reduce their credit card debt. Why pay high interest rates on your bank’s credit card debt when you can add that debt to your mortgage and pay a much lower interest rate! One important part of a strategy is knowing “good debt” from “bad debt”.…

Mortgage Swtich

If your mortgage renewal is fast approaching then you’ll soon be at an important financial milestone. Now’s a great time to look at the many innovative options and competitive rates available. Lenders send out renewal forms just prior to renewal dates to those with good payment histories, with about 70% of homeowners sending it back without asking any questions. In today’s…

Renovations & Improvements

Maybe it just needs some new landscaping, an extra wing for your growing family, an expanded kitchen, or a swimming pool in the backyard! A record number of Canadians have taken advantage of the historic low mortgage rates and rising real estate values and have tapped into their home equity through equity take-outs. There’s never been a better time to…

Vacation & Rural Properties

More Canadians than ever before are now spending quality time in their own vacation property. Cottages are now providing family memories for many average Canadians, who are taking advantage of the great low rates, and the innovative new mortgage products that put these getaway homes within reach!

Bruised Credit

“Life is what happens when you’re busy making other plans.” …and sometimes things get out of control. A bad credit rating can be gut-wrenching and humiliating as well as just plain bad news.  We see all kinds of credit ratings every day and we have the strategies to help improve and even heal, damaged credit. You may be surprised to…

Kismet Mortgage Services, Brokerage

Mortgage Team

Ian Vilafana

Partner & Mortgage Broker

Jermaine Hinds

Mortgage Agent

Yaqoob Sattar

Mortgage Agent

Sunny Sethi

Mortgage Agent
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145 Front Street East
Toronto, ON M5A 1E1
Phone: 1-855-683-4381 | Fax: 1-855-683-4380
info@kismetgroup.ca

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