Jim Payer: Toronto Mortgage Broker

1

BEST RATES: I offer some of the lowest rates available, all with favourable terms.

2

PERSONAL SERVICE: I take great pride in dealing with all of my clients personally.

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MORTGAGE EXPERIENCE: 10+ years of experience in the mortgage industry.

Mortgages for YOUR Situation

Understanding my clients' needs for today and goals for tomorrow allows me to suggest the "Right" mortgage product and terms to suit each person individually.

I am very pleased that most of my clients are repeat business or come by way of referral. This shows my unique approach with a high level of service is what people want.


Ian & Christina
Mississauga, ON

"During the recent drop in interest rates, Jim showed us all of our refinancing options. With his advice, we were able to save $560 per month on our payments! And at the same time we were able to pull some equity from our home for our much needed landscaping project."

The Importance of Renewing Your Mortgage Early

It is essential to secure your renewal rate up to 4 months in advance. Take advantage of our long "lock-in" window of 120 days and avoid getting caught by any unexpected rate hikes.

Everyone who lets us know about their renewal will automatically be entered in a draw to win an iPod Touch music device.

see contest details

iPod Touch Contest Details

Everyone who submits a valid name, email address, and renewal date using the entry form will be automatically entered into a draw to win an iPod Touch device.

The draw will take place on December 31, 2012 and one winner's name will be selected at random. The winner will be contacted via email to inform them of their prize. There is no purchase or obligation necessary to enter this contest. Only one entry per person is allowed.

For full contest details, please email me at info@jpayer.com

Mortgage Renewal Contest
Name
Email Address
Renewal Date
 

Today's Lowest Rates *

2.88%
Variable Rate
3.09%
Fixed Rate

Found a lower rate? Find out why

Apply Now

* On approved credit. Some conditions apply.
Today's Deal:
Feb 22, 2012 – 3 year quick close, 2.89%

Not All Mortgages Are Equal

Some of the lowest fixed rates have BIG restrictions. Sometimes referred to as "No Frill" or "Value" mortgages, these deals can end up costing you much more money in the end.

Many of these type of mortgages can not be "ported" from one home to another. So if you buy a new home you would have to break the mortgage and pay the penalty.

Most of these no-frill mortgage products do not allow you to "Blend and Increase". This means if you choose to refinance your home for more money, you may be forced to pay a penalty.

So, when comparing rates, think twice, think smart. Those short-term gains may cost you in the long run.

Canada's Top Lenders

As a mortgage broker, I have access to the best rates at many of Canada's top lending institutions including:

(416) 662-6159
Call me at (416) 662-6159

How Your Credit Score Affects Your Mortgage

Provide your email address below and I will send you a FREE guide explaining how your credit score affects your mortgage rate, and how you can keep a good credit rating.