Jaspreet Dhugga – Mortgage Broker Brampton, GTA And Ontario

MORTGAGE BROKER BRAMPTON, GTA & ONTARIO

Find The Mortgage Financing That Works For You!

Our mortgage office have been proudly servicing Toronto, Brampton, Mississauga and the Greater Toronto Area residents with mortgage solutions since 2012. Our goal is to educate you, work with you to remove road blocks to help you reach your financing goals. Our dedicated team of mortgage brokers and agents in the Greater Toronto Area are here to help you 7 days a week. We provide unbiased professional mortgage advice and work very hard to explore all your financing options. We have access to over 100 trusted lenders in Greater Toronto Area to help you get the best rate. We work to build solutions for our clients that fulfill today’s mortgage needs and tomorrow’s dreams. We accomplish this as your trusted partner delivering long-term value to our clients. We know the mortgage market very well in the GTA to help you. Trusted GTA and Toronto area Mortgage Services. First Time Home Buyers, Refinancing, Home Equity Loans, Second Mortgages and more. Contact us to get pre-approved today .

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10 Mistakes First Time Homebuyers Make -Jaspreet Dhugga

Dhugga Mortgages – Brampton Mortgage Broker
Refinance Mortgages – Jaspreet Dhugga

Our Mortgage Solutions Lending Advantage!

Fast

Lending approvals

Low Rates

Great pricing and
industry low fees

98%

Would recommend us

Easy Repayment

3 months - 2 years

Latest Lending Rates

Current Rates November 2024

Contact us today to receive current rates and a complimentary in-depth quote and overview of current market conditions affecting your local mortgage market.

NOTE: Rates are subject to change without notice

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Prime Rate

6.95%

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Variable Rate

6.05%

Bank Rates Term Our Rates
6.59 %
6 Months
6.25 %
6.09 %
Fixed 1 Year
6.14 %
5.79 %
Fixed 2 Years
6.09 %
5.79 %
Fixed 3 Years
5.64 %
6.09 %
Fixed 4 Years
5.49 %
6.34 %
Fixed 5 Years
5.09 %
6.60 %
Fixed 7 Years
5.84 %
6.85 %
Fixed 10 Years
6.00 %

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What's Next? Contact Us

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Get in Touch

First time buyer or refinancing? Call for a free quote!

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Apply Now

We shop for the best mortgage option at no charge to you.

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Mortgage Calculators

Crunch the numbers and explore your mortgage options!

Contact Us For A Free Consultation

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DHUGGA MORTGAGES

We Are Here To Help You

  • Self-Employed

    Get a low rate, save on interest and get help from our Mortgage team

  • New To Canada

    Secure the best rates buying a Home as a Newcomer to Canada

  • Investment Properties

    Build your long term wealth with Real Estate. Find the right mortgage for you.

  • Debt Consolidation

    Specialized lending options for homeowners. Access over 500 lenders.

  • Home Renovations

    Contact us to learn more about home renovation financing options

  • Private Mortgages

    Private Mortgage at Low Rates - All credit scores accepted

Our Mortgage Solutions Lending Advantage!

Fast

Lending approvals

Low Rates

Great pricing and
industry low fees

98%

Would recommend us

Easy Repayment

3 months - 2 years

WHY CHOOSE US

Benefits and Advantages of Working with your Mortgage Company

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Such as Expertise

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Experience

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Personalized Customer Service

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We will get you funding. It’s that simple. Regardless of credit, income, or time in business – we fund you.

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Homeownership Today​

Mortgage Financing FAQ

  • How much can I afford to pay for a home?

    To determine 'affordability' you will first need to know your taxable income along with the amount of any debt outstanding and the monthly payments. Assuming it is your principal residence you are purchasing, calculate 39% of your income for use toward a mortgage payment, property taxes, and heating costs. If applicable, half of the estimated monthly condominium maintenance fees will also be included in this calculation. Second, calculate 44% of your taxable income and deduct all of your monthly debt payments, including car loans, credit cards, lines of credit payments. The lesser of the first or second calculation will be used to help determine how much of your income may be used towards housing related payments, including your mortgage payment. These calculations are based on lenders' usual guidelines. In addition to considering what the ratios say you can afford, make sure you calculate how much you think you can afford. If the payment amount you are comfortable with is less than 39% of your income you may want to settle for the lower amount rather than stretch yourself financially. Make sure you don't leave yourself house poor. Structure your payments so that you can still afford simple luxuries.

  • What is a home inspection and should I have one done?

    A home inspection is a visual examination of the property to determine the overall condition of the home. In the process, the inspector should be checking all major components (roofs, ceilings, walls, floors, foundations, crawl spaces, attics, retaining walls, etc.) and systems (electrical, heating, plumbing, drainage, exterior weather proofing, etc.). The results of the inspection should be provided to the purchaser in written form, in detail, generally within 24 hours of the inspection. A pre-purchase home inspection can add peace of mind and make a difficult decision much easier. It may indicate that the home needs major structural repairs which can be factored into your buying decision. A home inspection helps remove a number of unknowns and increases the likelihood of a successful purchase.

  • What is a conventional mortgage?

    A conventional mortgage is usually one where the down payment is equal to 20% or more of the purchase price, a loan to value of or less than 80%, and does not normally require mortgage loan insurance.

  • What is the minimum down payment needed for a home?

    A minimum down payment of 5% is required to purchase a home, subject to certain maximum price restrictions. In addition to the down payment, you must also be able to show that you can cover the applicable closing costs (i.e. legal fees and disbursements, appraisal fees and a survey certificate, where applicable). Mortgages with less than 20% down must have mortgage loan insurance provided by either CMHC or GE.

  • What is mortgage loan insurance?

    Mortgage loan insurance is insurance provided by Canada Mortgage and Housing Corporation (CMHC), a crown corporation, and GE Capital Mortgage Insurance Company, an approved private corporation. This insurance is required by law to insure lenders against default on mortgages with a loan to value ratio greater than 80%. The insurance premiums, ranging from 0.60% to 4.5%, are paid by the borrower and can be added directly onto the mortgage amount. This is not the same as mortgage life insurance.

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