ARE YOU A FIRST TIME HOME BUYER?

Buying your first home is an exciting stage of your life. Let us be your guides. We have a wealth of experience with first-time home buying. With meticulous attention to detail we’ll ensure you’ve got everything taken care of. Using our inside knowledge of how the game works, we’ll help you make smart choices when purchasing your first home.

Our services include:

● Finding all rebates available
● Informing you of the tax-savvy methods of financing your down payment
● How to save money during the process

Financing and Tax Incentives available to a first-time buyer:

● If you live in Ontario, BC, or PEI, you may be eligible to qualify for a land transfer tax refund up to $2000! If you live in Toronto, you can get an additional rebate if you’re buying a Townhouse, Single Family Home, or Condo.
● Withdraw up to $35,000, tax-free from your RRSP. This is a great incentive to help finance your down payment. Important to note: you will have to pay this money back into your RRSP over time.
● Need $5,000 to help with home closing costs? There is a Tax Credit for that! Claim this amount on your annual tax return!

DEBT PROBLEMS? REFINANCING A MORTGAGE?

One of the best parts of our jobs is seeing the faces of our customers overcome by relief, when we provide them with an array of financing and debt solutions they didn’t know were possible. At Shant Nalbandian, we know the stress financial problems can cause—that’s why we take a patient and caring approach. If you’re looking for debt consolidation, better rates, or you need additional capital, we’ve got the answer. If you need to borrow a little from your home equity, look no further than Shant Nalbandian. Your financial goals are ours, too.
Common Financing and Loan Scenario:
● (HELOC) or Home Equity Line of Credit is a line of credit that allows you to borrow money against the value of your home in a time of need.
● Refinance or Renew your mortgage. It’s possible you may not currently be getting the best mortgage rates!
● Got debt? You may need Debt Consolidation. Let us help you alleviate some of your financial worries, with clever and efficient debt solutions.
● If you’ve had trouble securing a loan, private lenders or private mortgages could be the right move for you. Guaranteed approval, no outlandish conditions. B lender mortgages available.
● Did you know you can buy a home with only 5% down? Your dream home may be closer than you think!

SELF-EMPLOYED? BUSINESS OWNER?

Being your own boss is great. However, the convenience of being self-employed comes with unique and sometimes complex financing and mortgages issues. At Shant Nalbandian, we’re experts at dealing with the special circumstances regarding self-employed mortgage. Our strategies have been honed over time and are designed to give you the leg-up you need.

As a business owner, if you’re buying a residential property OR you require a commercial mortgage, or perhaps are searching for some expert guidance in debt consolidation and refinancing—call Shant Nalbandian.

Owning a business or being self-employed is stressful enough without dealing with tricky mortgage and loan scenarios. Our passion is removing the stress and insecurity of securing financing at a fair rate. Unfortunately for business owners, traditional borrowers have strict criteria that you must meet before they’ll even consider your case.

Having an experienced mortgage agent on your side is your first step towards a seamless borrowing process. Shant Nalbandian has a massive network of potential lenders, and a wealth of industry knowledge just waiting for you to tap into.

NEW CANADIAN?

Starting over in a new country is tough on anyone. If you’re struggling to get your feet on the ground, Shant Nalbandian is here for you. Finding your way around the increasingly complex mortgage and financing world is not easy. What can make this challenge even tough is a language barrier. If English is your second language, Shant Nalbandian may be able to help. We’re fluent in Arabic, Armenian, and English, so we can better serve our community.

Exceptional service, no extra fees, increased flexibility. The beauty of working with a private mortgage brokerage like Shant Nalbandian is the tailored, personable, excellent customer service we’re able to provide. Banks offer limited options and large lender fees. Shant Nalbandian offers access to a huge array of lending products, and provides superior alternatives to traditional banks.