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


 

Last week the Ontario Liberal government announced their response to the red-hot housing market called the Fair Housing Plan. The plan had 16 actions to address housing affordability. 

Pundits to the plan are quick to announce that it’s a power play for future voting popularity of the struggling Liberal government. Regardless, there are some good things in the plan and some that are just “meh”. 

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Rising house prices in the Canada are making news every day it seems. For those that already own a home, it’s generating some significant eye-popping wealth on paper. However, for those just trying to enter the market it’s becoming more challenging to put down an adequate down payment and qualify for the mortgage. What can parents do to help their children? Typically, we are seeing parents assist their children in a couple of ways – down payment or co-signing.

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Canadian mortgage rules are very conservative and stringent. This is especially true when the down payment is less than 20% of the value of the home. In these cases, the qualification rules are controlled by our government and require the purchase of mortgage default insurance, such as Canada Mortgage Housing Corporation, Genworth, or Canada Guaranty.

Qualifying for a standard bank mortgage in Canada can be difficult without having established much credit yet. Developing credit takes time. This is a problem for recent landed immigrants in Canada, many of whom have excellent employment, assets, and past work history in another country.  

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There is no denying, the Toronto housing market is crazy right now.  The Toronto Real Estate Board (TREB) reported that the average selling price was up by 27.7 per cent year-over-year to $875,983 in February. This isn’t normal! Inflation is not that high… can you imagine every salaried employee receiving a 27.7% pay increase? Population growth isn’t that high either. 

How can it be a bubble if everyone sees it and talks about it?

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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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