December 2012Vol 4, Issue 12
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Greetings!

Welcome to the December edition of Monthly Mortgage Matters!   

 

What a year! It seems like I was saying Merry Christmas to everyone just last month! Where does the time go.

This month, I really just want to say 'Thank you for you support through 2012!'. It has been a wonderful year, very rewarding. And I appreciate the confidence you have in me in referring my service and expertise to your friends and colleagues.
 
With the New Year upon us here shortly, I'm very excited about what next year will bring. I have several new programs to introduce and look forward to bringing them to the market.

Have a Merry Christmas and a Happy New Year!!!!!

Let's try this again!! Didn't quite meet the target last month!
 
HERE'S A CHANCE TO WIN A GIFT CARD FOR A NIGHT OUT!!
I would like to get to 100 likes on my Facebook page by Jan 15th. If I hit my goal, a lucky 'fan' will win a $50 gift card. 
Click the picture below to visit my business page.
 

Facebook page  
 
Mortgage Rob 
Email:       rob@mortgagerob.ca
Website:   www.MortgageRob.ca 
 

Follow Mortgage Rob on the these sites.

Facebook LogoTwitter LogoYoutube 2 View our profile on LinkedIn 

"The greatest complement I can receive is a referral to friends and family." 

 

 

 


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In This Issue
Inflation Hedge Mortgage Strategy
Monthly Mortgage Tip
$2000 Cash back On Your Next Purchase
Rate Watch  

Term         Best Rate   

 

1 year Fixed      2.64%

 

2 year Fixed      2.49% 

 

3 year Fixed      2.75%

5 year Fixed      2.94%

10 Year Fixed    3.89%

VRM      Prime - .35% (2.70%)

*Some conditions may apply
Did you Know?
If you increase your mortgage payments 4 to 5% each year, you will knock 10 years off the mortgage in just the first 5 year term.

On a $300K mortgage, that's only a $60 to $70 hit to your budget per month.

Contact me to learn more about managing your mortgage.     

 

Inflation Hedge Mortgage Strategy 

This Month's Mortgage Tip
 
Canadian Mortgage Market Update January 2011- Are you ready for a rate war? 
Canadian Mortgage Market Update Dec 2012 -   My final thoughts for 2012    
   

Different month, same news..... great rates, great options. Don't wait too long to decide, my expectation is that we will see different levels of pricing in the near future.

More risk, slightly higher rates. It's the way the banks are going to compete under the new B-20 guidelines.

 

Do you know that it's possible to create a longer term plan for your mortgage, much like your financial planner will do for your investments. View the video below, and contact me for a planning session.


     Click here: There's Money in Your Mortgage

 

Up to $2000 Cash Back On Your Next Purchase 

House with Coins I have recently introduced the Canadian Home Buyers Academy. If you are considering purchasing a home, this is simply your best resource for all the information you need to make the home buying process simple and straight forward.  

 

Plus, through the process, as a Member of the Canadian Home Buyer's Academy you will be eligible to receive up to $2000 Cash Back towards the purchase of your new home.   

 

This offer is available to you, your friends and your family! For more details, click on the following link:

Canadian Home Buyers Academy

 

 

If you've thought about getting into the real estate market, or getting a second opinion on your existing mortgage, now is a perfect time to find out your options. Housing is as affordable as it has been in years, and there are lots of opportunities to buy that new dream home, or restructure some financing and make drastic changes to your monthly budget. Don't hesitate, take action today !
 
Sincerely,
 
Rob Macdonald, AMP
Mortgage Expert