Ian Mucignat

Mortgage advice you can trust

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

CLICK HERE for a FREE cost-benefit check up!

 

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

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


 

Blog post summary picture

Whether you are a Canadian citizen living in another country, a landed immigrant, or non-resident of Canada, the aspiration to purchase a property in Canada is a dream for many people. It’s a noble and worthy dream, too.

Read morechevron_right

  

Blog post summary picture

Key Questions for a mortgagor: I got my mortgage before these changes were announced. What happens to me at maturity? Will the bank renew me? Can they decline me? Will I have to sell my house if I don’t qualify? Ahhh!!!

Read morechevron_right

  

Blog post summary picture

There is a shift towards Protectionism in the US. It won’t happen suddenly and overnight, but the lines have been drawn. Everyone is on notice that the largest economy is protecting its people – at the short-term expense of everyone else. It’s only natural that other countries will retaliate. This will cause trade to slow and global economic growth to slow.

Read morechevron_right

  

Blog post summary picture

Conventional mortgage wisdom has taught us for years that putting down 20% for a down payment will save you tremendously. The reason is, in Canada, you are required to pay default mortgage insurance for down payments less than 20%. The standard premiums are based on the Loan-to-Value (LTV), which is simply the Loan Amount / Property Value.

Read morechevron_right

  
 

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

Read more testimonials keyboard_arrow_right

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.

...Continued herekeyboard_arrow_right

Top of page