Ian Mucignat

Mortgage advice you can trust

Providing the best mortgage products at the lowest cost for individuals, families, and businesses.
 

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Honest, independent and unbiased advice

Ian Mucignat, CFA has worked in the mortgage industry since January 2000. His vast work experience at Banks and Lenders provides him a true “insider” look into the motivation and tactics of the lenders. This is important because it translates into real cost savings for his clients.

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Why you need a Mortgage Broker/Agent on your side
VIDEO: Why you need a Mortgage Broker/Agent on your side

 

Why you need a Mortgage Broker/Agent on your side

Video: Why you need a Mortgage Broker/Agent on your side


Honest, independent and unbiased advice

Ian Mucignat, CFA has worked in the mortgage industry since January 2000. His vast work experience at Banks and Lenders provides him a true “insider” look into the motivation and tactics of the lenders. This is important because it translates into real cost savings for his clients.

Learn more about Ian keyboard_arrow_right

 

LATEST POSTS


 

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We all need a place to live. Let’s assume our parents have kicked us out of the house, and living rent free is not an option. We are faced with the choice of renting a home or buying a place and making mortgage payments. Intuitively speaking, buying a place makes a great deal of sense. Instead of your rent payment going to someone else, a mortgage payment goes to you by paying down a loan. 

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Empirically speaking, studies have shown that variable rate clients win about 85%. A win means they paid less interest over the term of the mortgage. However, it’s important to note that not everyone is cut out to be a variable rate client. Specifically, there is the risk that the rate and mortgage payment will increase suddenly. Therefore, you need to be comfortable with this risk and be able to sleep knowing your payment can increase.

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Let’s say you are on the bubble for qualifying for a particular mortgage amount. Aside from credit score and other paperwork, etc. what are the key factors that can make a difference to being approved or declined?

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One headline from a well-known newspaper in Toronto stated the following on April 4th, 2018: “Toronto home prices see biggest drop in almost 30 years
March sales down 40% from a year ago, the lowest since 2009”. The problem with this title is it looks like Toronto’s housing prices are down an astounding 40%. 

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CLIENT TESTIMONIALS

“the whole process was easy and painless”

Ian got us a great mortgage with terms we were very happy with. He greatly simplified and thoroughly explained the mortgage application process, and helped us with us every step of the way through it. He made the whole process easy and painless. I wouldn't hesitate to recommend Ian to everyone!

- Andrew Y

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Top 10 reasons to use Ian Mucignat as your mortgage agent:Ian - cartoon

  1. Get independent, objective advice on your financial options. Mortgage Agents are not restricted to any one bank or range of products. They work for you and can make objective recommendations on financing solutions through hundreds of lenders. 
  2. Save time with convenient one-stop-shopping. Mortgage Agents do the research and shopping for you so there's no need for you to waste time organizing appointments with competing mortgage lenders when you could be house-hunting! 
  3. Negotiating on your behalf. Negotiating can be stressful. Mortgage Agents act in your best interest and do all the negotiating to secure competitive rates and terms that make sense for you. 
  4. More choices. With a network of major lenders and products to choose from, Mortgage Agents can source your ideal mortgage options from banks, credit unions, non-traditional lenders and more.

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