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145 Front Street East, Suite 107, Toronto, Ontario, M5A 1E1

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Mortgages & Financing

Kismet Mortgage Services Corporation FSCO Lic. #12911

Mortgage & Financing Services

Kismet Mortgage Services Corp. is a licensed Ontario mortgage brokerage servicing Canadian homeowners and investors. Our boutique structure combined with strong background in financial services position our clients to not only receive competitive mortgage rates, but a high touch white glove service, creative product structuring, education and advice.

 

Mortgage & Financing Services
Includes:

Benefits:

Transparency
Professional Service
Creative Solutions
Product Knowledge
Client Focused
Licensed Mortgage Team
Our Process

How It Works

Purchasing a new home can be daunting, and arranging financing comes with many complex and new items to think about, rates, amortizations, CMHC, term, appraisals etc. Let our professional white glove service team walk you through the largest financial decision of your life.

Complete our Kismet Mortgage Application online.

Analyzing the application and packaging it for submission

Collect documents and reviewed by our Kismet Team.

Submit supporting documents to the lender for review.

Once all verified lender will instruct your lawyer for funding.

Complete signing at your lawyer’s office to complete funding.

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Victor Godinho - Managing Partner, Wealth Advisor & Principal Broker
Victor Godinho

managing partner &
wealth advisor

Advice from Victor

“Financing your real estate is one of the most important financial decisions an individual makes in their lifetime. Pay attention to more than just the “lowest rate”, as the terms and conditions are just as, if not more important in a mortgage contract.”

KISMET MORTGAGE SERVICES CORPORATION FSCO LIC. #12911

Mortgage & Financing Team

Victor Godinho

Victor Godinho

Managing Partner & Principal Broker

A serial entrepreneur and the go-to financial advisor for holistic wealth management and strategic financial planning.

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Yaqoob Sattar

Yaqoob Sattar

Mortgage Agent

Since my business is built primarily through referrals from satisfied customers, your positive mortgage experience is essential!

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IN THE MEDIA

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Asset Management, Mortgages & Financing, Real Estate & Development, Tax Filing & Bookkeeping, Wealth Management September 22, 2020
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Asset Management, Mortgages & Financing, News, Real Estate & Development, Tax Filing & Bookkeeping, Wealth Management September 17, 2020
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Asset Management, Mortgages & Financing, News, Real Estate & Development, Tax Filing & Bookkeeping, Wealth Management August 20, 2020
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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 dream home. Our best advice? Begin a conversation with a mortgage professional in your area.

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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 from your employer, a recent pay stub, and 12 months verifiable bank statements from a recognized financial institution. This can include a financial institution from your country of origin if you have been in Canada for less than 12 months. Also acceptable is 12 consecutive months of 2 verifiable monthly payments in good standing. (e.g. phone or utility bill).

With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your dream home.

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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 preapproved 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 pre-approved mortgage, we will be able to help you estimate a mortgage-qualifying amount.

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Business Owner Mortgage

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 lenders in Canada understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.

We’re here to help you beat the banks … give us a call today.

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Investment & Rentals

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 of the innovative new options and great rates available today.

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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”. A well-planned mortgage can help you turn those bad debts into good debts and get them out of the way.

1. Consolidate high interest rate credit cards to one lower rate.
2. Save money and increase cash flow.
3. Reduce stress knowing that your financial situation is now manageable.

If you’d like to have a conversation about refinancing your debt, give us a call today to review your options. It’s time to beat the banks!

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Mortgage Switch

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 hectic world, that can be the easiest and best route, but you should ask yourself some questions before you sign on the dotted line. This could be an important moment of opportunity.

Having multiple lenders compete for your business is a great way to ensure you get the best rate for your situation. We deal with multiple lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means we can put significant negotiating power behind finding the best mortgage to fit your specific situation.

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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 access the extra funds that can help bring your home to that next level of comfort. Consider accessing the cash you need for the renovations and improvements you’ve been dreaming about!

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Vacation 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!

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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 know that you can still obtain a mortgage. Whether you’ve had a bankruptcy or your credit is only slightly bruised, you can obtain financing.

As mortgage professionals, we have access to non-traditional lenders who offer financing solutions to individuals who have some credit challenges that cannot be addressed by the major financial institutions. Together we can quickly assess your situation and decide on the best way to move forward. The worst you can do is do nothing.

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Benefits of Mortgage Portability?

Are you consideration a move? What are the benefits of mortgage portability? It’s wise to begin by talking with a mortgage broker. You’re about to take a big step and you’ll want some advice from an expert.

My best advice is to begin with a no-cost conversation and explore your options!

With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your dream real estate property.

Apply Now