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


 

When buying a home, there are many costs that you may not be aware. Today, let’s explore the steepest upfront cost you face when purchasing a property, specifically the land transfer tax. Like any tax, it’s important revenue to the province or municipality. It’s not going away! The land transfer tax is charged to you by the province you purchase your property in. Toronto is the only municipality that charges an additional tax in Ontario.

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This is a big week for the mortgage industry. First, OSFI (the Federal bank regulator) has released its draft version of its revisions to the B-20 guidelines for mortgage underwriting. Rule changes will be coming again that are tightening in nature. Second, the Bank of Canada is probably going to increase its overnight rates on Wednesday by 0.25%. It’s unknown if the lenders will increase their prime rates by the same amount or by a lessor amount as they did with the last two changes in 2015.

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What do you think about when you hear the word “mortgage”? I think most people visualize a youngish person or a couple borrowing money to buy a home. A mortgage loan has an interest rate, amortization, terms and conditions, and a payment amount. Over time, as they pay down the mortgage it gets smaller and smaller until one day they have a mortgage burning party. Let’s call this traditional way a “forward mortgage”. The prevailing mentality of homeowners is to pay down this mortgage before retirement, otherwise, I’m going to have to keep working to make the payments. After all, there are only so many Wal-Mart greeter positions around.

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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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