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	Rates on the rise, but are they here to stay?
	When talking about the future of rates there are many factors to consider among them are the local economy, world economy, Bond Markets, World Markets, and current political climate. But predicting the future of rates is like predicting where a helium balloon will end up if you let it go. You got a general idea based on the direction the wind is blowing but that can quickly change.

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	Thing that fixer-upper is a steal? Think again
	25 March 2011
	An online survey of 1,001 Canadians who have purchased a home within the past two years, or intend to buy a home in the next two years, shows that gender plays a role in the selection of new homes vs. 'fixer-uppers'. More men than women surveyed in the 2011 TD Canada Trust Home Buyers Report preferred fixer-uppers because they are more affordable (14 percent vs. 8 percent) and allow for renovations to suit individual tastes (37 percent vs. 29 percent). There is a certain romance in popular culture around the ‘do-it-yourself’ renovation, spawned by ads showing smiling, stress-free couples nonchalantly flirting over bowls of cereal in their Euro kitchens or effortlessly applying the latest paint colours to quaint summer cottages; but many who have lived through a major do-it-yourself project will warn that costs can quickly spiral - especially if you're not as 'handy' as you might think. Ninety-seven percent of all survey participants indicated that cost was the most important consideration in the home buying process. While the price of a fixer-upper may be lower up front, renovations can quickly eat up savings on monthly mortgage payments if you underestimate the price of materials and labour, or have to repair ‘do-it-yourself’ mishaps. According to a recent report by the Canadian Environmental Law Association, renovations on old homes might even pose risks to your family’s health. When it comes to selecting a fixer-upper, your best asset is someone with experience in home renovations. Be sure that you understand potential hidden costs before you jump on that attractively-priced gem in the rough. Read more about the TD Canada Trust report in Mortgage Broker News Article provided by Centum Canada. Abraham Niyazi Mortgage Agent Lic#M08010640 Centum One Financial Corp Lic# 10758 Cell: 416-993-4082 Toll Free: 1-866-728-3708 a.niyazi@easyrate.ca Back

3.80 %

5 - Yr Fixed
Apply Today for our Super Saver Rate of 4.09% and get pre-approved within 24 hours. Some conditions apply, an agent will contact you within 24 hours from application date.

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2.25 %

5 - Yr Variable
Ask about our Shorter Term Closed Variable Rate currently at Prime - 0.85% = 2.15%

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3.50 %

Open
Great product if you are selling within 7 months, paying down your mortgage aggressively, or want the flexibility to move your mortgage at any time to another bank without penalties.

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Centum One (EasyRate.ca) mortgages can find you the best rate with our established network of more than 80 major Canadian lenders. We offer the lowest mortgage rates and loan rates in Canada, servicing all of Ontario, Quebec, Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland, the Northwest Territories, Nova Scotia, Nunavut, Prince Edward Island, Saskatchewan, and the Yukon. We also provide mortgages and loans to the residents of all major Canadian cities, including Toronto, Montreal, Winnipeg, Vancouver, Calgary, Edmonton, Mississauga, North York, Oakville, Scarborough, Richmond Hill, Vaughan, London, Ottawa, Hamilton, Laval, Brampton, Woodbridge, Windsor, Virginia, Saskatoon, Burnaby, Kitchener, Markham, Regina, Quebec, Oshawa, Burlington, Saint Catharines, Markham, Thornhill, Oak Ridges, Guelph, Halifax, Cambridge, Etobicoke and Newmarket.

	Mortgage Agents Aren't Bad, But There Are Bad Agents.
	Whether you are buying a home, refinancing or renewing your mortgage you are the client and should be treated with respect and professionalism. Here are a few examples of Mortgage Agents who were not doing their job.

	Consider the advantages of refinancing your mortgage.
	Refinancing could be just the thing to set your credit score back on track, reduce your monthly obligations, and save you thousands of dollars as well.

	First time Homebuyers have some distict advantages.
	If you are a first time homebuyer you have access to programs to help you afford the purchase of that home. The government has rebates and refunds for you!

	Canadian Mortgage Agents are Getting a Raw Deal
	US Mortgage Brokers have given Canadian Mortgage Agents a bad name. Not really their fault, its ours....