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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The Bank of Canada Qualifying Rate was introduced originally to protect variable rate mortgage holders against rate shock. It provided a buffer against an inability to meet their payment if rates rose quickly. The Department of Finance is concerned about large loan losses on the books of our big banks and bank stability.

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Find out:

What is the difference between my Term and my Amortization?
Can the bank re-assess the value of my home at renewal?
I’m coming up for renewal, what rate am I offered? Am I given the posted rates?
What happens if I neglect to respond to the renewal offer?
Can I increase or decrease my balance at maturity/renewal?

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Mortgage arrears in Canada are exceptionally low, both today and historically. We Canadians place a great deal of importance on ensuring we make our mortgage payment as top priority. The consequences of being behind are simply not worth the excessive fees associated with missing a payment or, more importantly, dealing with the Bank kicking you out of your home. Watch about the first 30 minutes of the Hollywood movie “99 Homes” and you’ll really witness the stark harshness of the eviction process.

Did you know there are some strategies you can employ with your mortgage to keep yourself up to date on your payments?

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The Bank of Canada released their statement today on their scheduled Rate Announcement. To those that are hawkish (a bias towards an increasing rate) they didn’t disappoint. They increased their overnight rate back to 1.0% from 0.75%. In a sense, they’ve removed the two “emergency cuts” did back in 2015 when oil prices were sliding. At that time, these cuts were a big surprise to everyone because it was already unprecedented that the overnight rate was a measly 1.0%.

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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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