HOME RATES ABOUT SERVICES VIDEOS BLOG CONTACT ME TEAM

My Rates

6 Months 2.79%
1 Year 1.74%
2 Years 1.69%
3 Years 1.69%
4 Years 1.74%
5 Years 1.69%
7 Years 2.14%
10 Years 2.59%
*Rates subject to change and OAC
AGENT LICENSE ID
M12000957
BROKERAGE LICENSE ID
12060
Alan Gilman Broker

Alan Gilman

Broker


Phone:
Address:
800 Industrial Unit 9, Ottawa, Ontario

BROWSE

PARTNERS

BROWSE

PARTNERS

COMPLETE

THE SURVEY

REFER

A FRIEND

RESIDENTIAL FINANCING

 

Transaction Types: Purchases, Refinances, Home Equity Lines of Credit, Home Equity Loans, Debt Consolidation, Construction Financing, 2nd Mortgages, Reverse Mortgages

 

Financing Options: Banks, Credit Unions, Trust Companies, Non-Bank Lenders, Monoline Lenders, Alternative Lenders ("B" Tier), Mortgage Investment Corporations, Private Lenders

 

Property Types: Owner Occupied, Vacation Property, Investment Property, Raw Land

 

Special Programs: Self Employed, 1st-Time Buyers, Bruised Credit, New to Canada, Non Residents, Spousal Buyouts, Debt Consolidation, Net Worth Lending, Interest Only Payment Mortgages, Purchase and or Refinance with Improvements, Flip Properties, Prepaid Mortgages, Rent to Own, Power of Sale Rescue


COMMERCIAL FINANCING

 

Transaction Types: Purchases, Refinances, Lines of Credit, Debt Consolidation, Construction Financing, 2nd Mortgages

 

Financing Options: Banks, Credit Unions, Non-Bank Lenders, Alternative Lenders ("B" Tier), Mortgage Investment Corporations, Private Lenders  

 

Property Types: Owner occupied, investment property, Mixed Use, Apartment Buildings, Office Space, Industrial Space, Retirement Homes, Student Housing, Rooming Houses, Raw land, and Everything Else

 


COMMERCIAL FINANCING CMHC 5+ UNITS

 

Program Options: Rental Property, Student Housing, Single Room Occupancy, Retirement Homes, Affordable Housing, Construction

 


Please Note: We will be the first person to tell you that while it is great to be approved for a loan amount, it is not always great to accept what you are being offered for a multitude of reasons. Consumers need to be careful with all the fancy marketing out there as It's a fact that not every transaction that gets done should be done. Even though regulations require that you are provided with full disclosure of terms, rates, fees, and that your application is being presented to a lender accurately and you are being provided with the best options etc...it does not always happen the way.

 

Our Word: We take an in-depth look at your situation, which costs you nothing but your time to determine what your options look like. There is never any pressure to move forward with anything, and any transaction that we do together is always in your best interests...not mine.

 

Don't hesitate to reach out if you think I may be able to help - that is what we do.

 

Please Note: all Mortgage Rates listed on this website reflect the best available rates for the purchase of an owner-occupied property with default Mortgage Insurance amortized over 25 years. To confirm what rate we can offer you, please reach out to me at your convenience, and we can discuss it. 

 

 


BLOG / NEWS Updates

Canada: Residential sales reached a new record in September

Seasonally adjusted home sales rose 0.9% in September to a monthly record of 56,422 units. Sales in Ontario missed Augusts record by a hair due to a 5.3% monthly decline in Toronto. Records were nonetheless registered in Ottawa and Hamilton. In the Province of Quebec, sales were at a record level in the Quebec CMA and in Gatineau, and close to August records in Montreal. In B.C., transactions reached a record outside the three main markets of Vancouver, Fraser Valley and Victoria. There were also sales records in Nova Scotia and New Brunswick. The active-listings-to-sales ratio indicates that the Canadian home resale market was favorable to sellers in Ontario Quebec, the Maritimes Provinces and marginally so in B.C. The market was balanced in the four other provinces.

PROMISES, PROMISES AND MORE PROMISES

Canadas Parliament re-convened today with a ceremonial Speech from the Throne delivered by the Governor General. Canadas continued response to the COVID-19 pandemic took centre-stage, while providing a lens for a plethora of broader promises: an extension of the wage subsidy, expanded employment insurance, investments in childcare, reaffirmed commitments to universal pharmacare, and green infrastructure investments among many others. Given the exhaustive list of priorities, this Speech is unlikely to bring the minority government down as it provides plenty of hooks for negotiations in the lead-up to a Fall update where details will be laid out. It clearly signals more fiscal spending ahead for Canada leaving the question not if but how much. But this was largely channeled ahead, so the market reaction has been mutedor more likely, it is eclipsed by broader US and global developments. There is little beyond lip service by way of fiscal restraint. This will be left to the Finance Minister to make inevitable trade-offs in her first budget this Fall, particularly as she may need to reserve some firepower for second waves. Source: Scotiabank https://www.scotiabank.com/ca/en/about/economics/economics-publications/post.other-publications.fiscal-policy.fiscal-pulse.federal.federal-budget-analysis.federal-throne-speech--september-23--2020-.html

MY LENDERS

TD Bank Scotia Bank Attain Mortgage First National MCAP B2B Bank
Home Trust Merix Equitable Bank Street Capital CMLS Fisgard Capital
ICICI Bank Optimum  RMG Mortgages Bridgewater Marathon Mortgages