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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What happens to someone that desperately needs money and tries to borrow it? Either they can’t get it because their application / credit is lacking or they will be forced to pay more for it. For example, take someone who has lost their job temporarily and has fell behind on important bill payments, such as the mortgage.

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There are more forces in play today in the economy than just GDP, wages, and job numbers. In the same way that Globalization brought many more people into the workforce, from China and India in particular, we are starting to see the impacts of Amazonization too. Their superior distribution and logistics methods are delivering, quite simply, delivering things cheaper on a large scale forcing everyone to follow suite.

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On October 25th the Bank of Canada gave its scheduled rate announcement and Monetary Policy Report Update. In this report, the Bank said, “While less monetary policy stimulus will likely be required over time, Governing Council will be cautious in making future adjustments to the policy rate”. The simple translation to this is that Bank of Canada is not in any hurry to increase rates again because there are some legitimate concerns and worries present right now.

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1. Why do people invest in private mortgages (the benefits)?
2. What are the risks?
3. What is the exit strategy?
4. What are the costs and other considerations?

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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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