Get the Best Mortgage Rates in Toronto

Offering ideal mortgage rates in Kitchener and also Kitchener Mortgage Rates.

5 Year Fixed

1.69%

120 Day Rate Hold

20% Annual pre-payment.

Full Feature Mortgage

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5 Year Variable

1.19%

120 Day Rate Hold

20% Annual pre-payment.

Full Feature Mortgage

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3 Year Fixed

1.59%

120 Day Rate Hold

20% Annual pre-payment.

Full Feature Mortgage

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1-10 Year Fixed

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120 Day Rate Hold

20% Annual pre-payment.

Full Feature Mortgage

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Avoid a Costly Surprise

It is sometimes said that ‘the devil is in the details’ and this is no exception when it comes to mortgage fine print, terms and conditions. 

It’s easy for a lender to offer extremely low mortgage rates Toronto upfront, only to design complexity into the mortgage terms and conditions that can end up costing you, the borrower thousands of dollars more over time. 

Remember, the Banks and lenders have been at this for decades – studying consumer behaviour. They know what works and there is a point where lower mortgage rates Toronto may become a problem for borrowers.

We offer you the best mortgage rates Toronto with flexible, understandable terms and conditions that work for you, not against you over time.

 Toronto Mortgage Rates Monitoring and Optimization

As markets change and opportunities present themselves, leading investment advisors will help to ensure that you earn the best investment returns over time. This involves constantly monitoring the economy, markets, and government actions so that your portfolio performance is optimized.

Similarly, as leading Mortgage Brokers in Toronto, we monitor Toronto Mortgage Rates to help optimize your savings for the life of your mortgage. This is often 25 years or more, which is why we position ourselves as long term planners to save the most on your mortgage – it is not just a one time deal.

At Altrua Financial we have a good understanding of the economic forces behind mortgage rate changes and are ahead of these changes to offer you the money-saving advice, in many cases before the rest of the mortgage market reacts. This means more savings on your mortgage.

Optimizing Before Closing

  • When you connect with us, we will set you up on our Rate Watch system that tastefully delivers you the best mortgage rates weekly, up and until your closing.
  • At least 1 month before your mortgage closing or renewal date, we can apply to approve you for the best mortgage rate with the best lender. 
  • This provides the assurance of the best Toronto mortgage rates approval, but at the same time, it does not commit or ‘lock you in’ – so if rates continue to decline, then you will save more up and until closing.

Optimizing After Closing

  • After your mortgage closes with Altrua, we continue to apply the same close rate monitoring with your mortgage – in search of opportunities to help you save even more.
  • Our systems monitor your mortgage and its unique features including rate, time to maturity, penalty to leave the mortgage and rate environment.  There is no extra work on your part.
  • We proactively connect with you once we have found a very clear and substantial savings opportunity. Five years is a long time, and as we continue to watch the market carefully it is likely that an opportunity will arise.

Get on the Right Path for Toronto Mortgage Savings

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