Get Expert Advice!

When it comes to mortgages, rates, and the housing market, I’ll speak to you in plain language. I can explain the various mortgage terms and conditions so you can choose confidently.

There’s absolutely no charge for our services on typical residential mortgage transaction.

How can I afford to do that?

Like many other professional services, such as insurance, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution.

These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer.

My current 5 year fixed rates are as follow...

4.34 for credit score 620+
4.19 for credit score 680+
4.14% for credit score 680+ and loan amount over $500,000

Do not hesite to email or call me if you have any questions or simply go to my site www.joemalek.com where you can apply online to get started.

Joe Malek
Mortgage Agent
M08004649

Things Move Very Quickly!

My job isn’t done until your closing date goes smoothly. I’ll help ensure your mortgage transaction takes place on time and to your satisfaction.

It all starts with one simple online application form at www.joemalek.com .

Joe Malek
Mortgage Agent
M08004649

Get access to special deals

Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers.

These can include retail points programs, discounts on appliances, shopping clubs, and more.

I do the match on which offers might be worth your attention when it comes to financing or mortgage insurance – so you get the perks you deserve.

You can apply online at www.joemalek.com in confidence.

Joe Malek
Mortgage Agent
M0804649

Ensure that you’re getting the best rates and terms.

Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping!

Let me investigate to see if there is an alternative to better suit your needs.

Go to my website www.joemalek.com to apply online!

Joe Malek
Mortgage Agent
M08004649

Today’s Best Rates!

I am pleased to announce rate decreases on 3 and 5 year term products.

Effective immediately, my today's best rates are now as low as 4.04% for 3 year and 4.14% for 5 year mortgages!

These rates are now available for home purchase or mortgage refinancing! Refinance your debt today to lower your monthly budget and make your home ownership more affordable.

Apply online at http://www.joemalek.com/

Thank you

Joe Malek
Mortgage Agent
M08004649

P.S. Rates are subject to borrower and property qualification.

More choice means more competitive rates

I have access to a network of major lenders in Canada, so your options are extensive.

In addition to traditional lenders, I also know what is begin offered by credit unions, trust companies, and other sources.

And I can help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment or home equity is less than 20% of the purchase price or home value.

Visit my website www.joemalek.com to learn more today.

Joe Malek
Mortgage Agent
M08004649

Why use a mortgage broker – Reason #3

Many people are uncertain or uncomfortable negotiating mortgages directly with their bank.

Brokers negotiate mortgages each and every day on behalf of Canadian homebuyers and homeowners.

You can count on my market knowledge to secure competitive rates and terms that benefit you.

Don’t hesitate to visit my website www.joemalek.com and apply online in confidence for your next home purchase, mortgage refinancing or second mortgage loan.

Thank you

Joe Malek
Mortgage Agent
M08004649

Why use a mortgage broker – Reason #2

Save time with one-time shopping.

It could take weeks for you to organized appointments with competing mortgage lenders – and I know you’d probably rather spend your time house-hunting!

I work directly with dozens of lenders, and can quickly narrow down a list of those that suit you best.

It makes comparison-shopping fast, easy, and convenient.

Visit my website www.joemalek.com where you can apply online in confidence!

Thank you

Joe Malek
Mortgage Agent
M08004649

Why use a mortgage broker – Reason #1

You’ll get independent advice on your financial options.

As independent mortgage brokers and agents, we are not tied to any one lender or range of products.

Our goal is to help you successfully finance your home and property. We’ll start by getting to know you and your goals.

We’ll make a recommendation, drawing from available mortgage products that match your needs, and we will decide together on what is right for you.

Don’t hesitate to visit my website www.joemalek.com and apply online in confidence to get independent advice on your financial options.

Thank you

Joe Malek
Mortgage Agent
M08004649

Get the mortgage that meets your needs

I offer unbiased advice, fast, flexible service, competitive rates, and access to many lending sources, I can make sure you get the mortgage that meets YOUR needs. Call me today and SAVE your money!

Today’s best rates

5.20% = 6 month
3.50% = 1 year
4.75% = 2 year
4.19% = 3 year
4.39% = 4 year
4.34% = 5 year
5.40% = 6 year
6.00% = 7 year
6.35% = 10 year
3.80% = Variable

Call me today for more information on mortgage rates, or to find out how you can get the financing package that meets your individual needs or simply apply online at www.joemalek.com

OAC. Certain conditions may apply. Rates are subject to borrower and property qualification. Posted rate is the rate offered by the majority of Canadian financial institutions. Rates may vary and are subject to change without notice.

Thank you

Joe Malek
Mortgage Agent
M08004649