(905) 441 0770 allen@allenehlert.com

Mortgage Renewal

 Time to renew?

Let’s get you a better rate!

Mortgage Pre-Approval

 Before you look, get pre-qualified

Before you offer, get pre-approved

Access & Consolidations

Access equity, consolidate debt

get financial freedom

Investment & Commercial

 Diversify your portfolio,

generate income and returns

6 Month Fixed Term from

3.49%

NOTE: Like stock prices, mortgage rates are subject to constant fluctuation. Different lenders offer different rates to different clients. Contact me to negotiate your best rate with the lender who is right for you.

Term                              Rates

1 Year Fixed                                                4.19%

2 Year Fixed                                                4.29%

3 Year Fixed                                                3.65%

4 Year Fixed                                                4.09%

5 Year Fixed                                                3.94%

5 Year Variable                                           3.54%

HELOC Open                                              4.35%

Sources of Income

Mortgages Allowable Income Sources

Qualifying for a mortgage in Canada hinges on many factors, but none are as critical as income. Lenders scrutinize earnings to gauge an applicant’s financial stability and capacity to service debt. While salaried employment remains the gold standard, the modern...
Canadian Economy

10 Ways Economic Conditions Impact Real Estate Prices

Economic conditions exert a profound influence on real estate prices, acting through various channels. Firstly, the overall health of the economy, indicated by factors such as GDP growth, employment rates, and consumer confidence, directly affects people's ability and...
Investment Demand

10 Reasons Why Investment Demand Impacts Real Estate Prices

Investment demand plays a pivotal role in shaping real estate prices due to its substantial influence on market dynamics. Investors, both domestic and international, often view real estate as a lucrative asset class, leading to increased capital inflow into the...
Rental Income

Calculating Rental Income

Navigating the complexities of mortgage qualifications can be daunting, particularly when it involves accounting for rental income from investment properties. Understanding the different methods for calculating this income is crucial for both lenders and borrowers to...
Commuting Has a Big Time Cost

Price of Commuting: Lost Time, Lost Life

Real Estate > Personal Finance > Mortgages In the bustling city of Toronto, like many other major cities around the world, the daily commute is an accepted part of working life, especially for those living in the suburbs. However, this seemingly mundane aspect...
Emergency Fund

Mortgage Term: Emergency Fund

Understand the importance of building a robust emergency fund, its key characteristics and how you should prioritize your expenditures.

Living Inheritance

Leveraging a Living Inheritance

A "living inheritance" is a financial strategy that has gained popularity among older generations looking to support their children's futures while still alive. This approach involves transferring wealth to children or grandchildren during the parents' or...
Real Estate Inflation

10 Ways Inflation Impact Real estate Prices

Inflation exerts a multifaceted influence on the real estate market, affecting everything from construction costs to investment strategies. Allow me to provide a comprehensive overview that explores the various ways in which inflation impacts real estate prices,...
Real Estate is Expensive

10 Reasons Real Estate is So Expensive

Real estate prices are influenced by a variety of factors, making it expensive in many places. This is by no means an exhaustive list, and the cost for different kinds of real estate in different places is always unique to that location. Further, in real estate,...
Housing Market and Lower Rates

The Housing Market and The Power of Lower Rates

Lower interest rates are crucial to reviving the housing market. Learn why lower rates are essential and how they can stimulate demand.

About Me

My passion is empowering you to secure a future filled with stability and happiness in your own home. I specialize in creating personalized strategies tailored to your unique needs. My approach is centered around honesty, transparency, and a steadfast commitment to your best interests. Whether it’s finding the most advantageous rates or navigating the intricacies of the mortgage process, my aim is to guide you with ease and confidence. Let’s work together to transform your dreams into a vibrant reality, laying a secure and joyful foundation for your life ahead.

Testimonials

“Working with Allen Ehlert was a fantastic experience; he expertly navigated the mortgage landscape to secure the best rate for us. His dedication and knowledge truly made the difference in our home-buying journey!”

“Finding Allen Ehlert was a breath of fresh air in our mortgage search; he genuinely looked out for our interests, thoroughly explaining all the risks involved, something we hadn’t experienced with anyone else. His honesty and commitment to our well-being made the entire process feel secure and well-guided.”

“I’m absolutely thrilled with the incredible strategy Allen devised for my complex mortgage situation, which was nothing short of a lifesaver! Thanks to his ingenious approach and deep understanding of the industry, I was able to keep my beloved home against all odds.”

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