It's never been so simple!

For over 20 years we've been connecting Canadians with the best mortgages from the right brokers!

Kamran Etessam

Kamran Etessam

Mortgage Broker

LIC# 10530
ketessam@mortgagealliance.com
Specialties: Self Employed, Residential Mortgages, First-time home buyer

About me

Broker

 

 

My commitment; whether it is a purchase, refinance, or first time buyer is to the following:





  •  Listening to client's individual needs,

  •  Being honest, dependable, and available to answer questions and  follow up,

  •  Educating clients up front so they can make an informed decision,

  •  Securing the best rates possible so client's know they are getting the best deal,

  •  Communicating with clients regularly on where we are in the process,

  •  Making the transaction simple, efficient, and positive,




My Service will Save you both time and money, and bring to you a Better rates and loans that can fit your unique situation.



 

 

Call  me for free Consultation!



 

 

 Award Winner -  since 2011

Member of Canadian Association of Accredited Mortgage Professionals (CAAMP).



 








Mortgage Broker  License#M10000123

Mortgage Brokerage License#10530





 

   


 

 

 

 



EXPERIENCE!  ACTION!  RESULTS!

 

 I understand that by serving clients and looking out for their best interest I earn their trust.

 

I take pride in providing my clients with honest and dependable service. I can help you assess your financing needs, and provide the information and guidance you need to make the right decision.



 

- Buying a New Home

- Refinance Your Property

- Renew Your Mortgage

- Debt Consolidation

- Switch to lowest Rate / Transfer

- New to Canada

- Self-Employed

- Second Mortgage

- Vacation/Secondary Homes Program

- Commercial & Construction

- Equity Line of Credit

 

 

Together we build a Mortgage that fits YOUR need,

 

 

 

Referrals and repeat business is the cornerstone of my business and also the greatest compliment I can receive

 

4 reasons why it's smart to use a Mortgage Alliance pro

Check it out

Self-Employed

Borrowing money is harder for many self-employed Canadians. While there is broad recognition that self-employed Canadians are reliable borrowers, it may be difficult to navigate the mortgage process and the different options available specifically for this group. We can help turn the tables. These individuals may run their own businesses, or work in a profession where the main source of their income is predominately capital gains, a form of income that is generally not considered by most “A Lenders”.

We work with self-employed homebuyers every day and understand the challenges that they may face when arranging a mortgage especially with no standard proof of income. Our brokers are experts when it comes to mortgage solutions and have access to multiple options, including mortgage products designed specifically for self-employed Canadians. They can pinpoint which lenders have more favourable terms and requirements and advise you on how you can improve your options to get the best possible rate and terms.

The more complex your mortgage situation, the more sense it makes to use an experienced mortgage professional who can help simplify the process and help you achieve both your short-term objectives and your long-term financial plan. Most of all, they allow you to stay focused on your business, alleviating the burden of many time-consuming and frustrating tasks and meetings associated with securing a mortgage and will also work around your busy work schedule. Many will even travel to your work site if required to make the transaction as convenient as possible for you.

Remember, that independent mortgage professionals work for YOU, not the lenders or banks, so you can rest assured that their advice is unbiased and in your best interest when it comes to finding the right lender and right product to meet your needs. Find out what your options are, give us a call.

First-time home buyer

Here’s to buying like a pro the first time!

Buying your first home is one of the most important financial decisions you’ll ever make and getting the right advice from a mortgage professional is a great way to start.

Before you start looking for your dream home, your Mortgage Alliance professional can help you find out how much you can qualify for so you can shop with confidence. They’ll explain the process and even assist in getting you a mortgage pre-approval so you can take advantage of today’s low rate environment by locking in today’s rate for you for a set period of time, typically 90 to 120 days.

Understanding your down-payment options is important as you get ready to buy your first home. This is right time to consult with your mortgage professional who can explain the requirements and options available to first-time buyer only when it comes to down-payment. Generally, the min down-payment required depends on the purchase price with the min being 5% down. For homes $500,000 and under 5% down is the min required. For homes over $500,000 but less than $1 million, you need 5% down-payment on the first $500,000 and 10% for any amount over that. If your purchase price is $1 million or more, a minimum 20% down-payment is required. Mortgages with less than 20% down are subject to default insurance which is usually added to the mortgage amount.

At Mortgage Alliance, we work with over 60 lenders from major banks to private lenders. Your mortgage professional gives you access to multiple lenders and finds the right mortgage for you with only one application. They help you navigate the process, explain your options and present you with mortgage solutions that best meet your need. Having the right combination of mortgage features, privileges and rate is key. The right mortgage goes beyond just the rate--it's important to also consider term, prepayment options, refinancing penalties, restrictions, and fees.

Your mortgage professional will not only find the right mortgage for you but also provide strategies to help you pay your mortgage off faster and shave thousands off interest costs in the process.

Today’s Mortgage Alliance’s Exclusive Rates

November 29, 2020

Click to secure the rate

Showing the best rates in:

  1. 1.74 %
    1 year fixed
    >
    Posted
    3.14%
  2. 1.69 %
    3 year fixed
    >
    Posted
    3.49%
  3. 1.79 %
    5 year fixed
    >
    Posted
    4.59%
  4. 2.34 %
    7 year fixed
    >
    Posted
    5.35%
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