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

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

Get Deep Discount Rate

Fixed-rate mortgages at the big banks soared late last week by as much as 0.85 of a percentage point but I am pleased to inform you that I still offer my customers some of the most competitive rates in the market today!

Loan amount = 5 Year Fixed Rate

$1 million plus = 4.99%
$500K - $999K = 5.09%
$250K - $499K = 5.29%
$100K - $249K = 5.39%

Why pay 5.60% or higher when you can switch to our VERICO Mortgage and pay less!

Visit my site www.joemalek.com to apply online for this quick close special.

Thank you

Joe Malek, AMP

Fixed Mortgage Rates Drop

Canadian financial institutions have begun to slash their mortgage rates.

BMO Bank of Montreal was the first to announce lower rates. Their 5 year closed mortgage will carry a posted rate of 6.65 per cent, a drop of a little more than a third of a percentage point.

Bigger cuts apply to shorter-term mortgages. BMO's one-year closed mortgage drops to 6.15 per cent. Its two- and three-year closed mortgages tumbled by 0.85 of a percentage point to 6.15 per cent.

These are all posted rates. Many consumers are actually able to get closed mortgages at rates that are a full percentage point or more below the posted rates. BMO, for instance, said its "special offer" rate for a five-year mortgage will drop to 5.59 per cent, down 0.34 of a percentage point.

If your credit is pretty good then you could qualify for my “quick close” special VERICO mortgage rate.

These 5 year fixed mortgage rates are my current deep discounted rates on deals closing before July 4. 2008 based on your loan size.

$1,000,000 + = 4.85%
$500K - 999K = 4.94%
$100K - 499K = 5.24%

These deep discount rates are yet another reason to apply for your mortgage at my website. Click here to get started.

Thank you


Joe Malek, AMP
Accredited Mortgage Professional