416-785-2725 info@kemfinancial.com

Compare Mortgage Rates

Get the best mortgage rates in just seconds. Compare the lowest rates currently offered in your area. You can save huge money on interest and skip all the negotiating with our free, no obligation service.

How much will my monthly mortgage be?

With home buying season, most people will dive right in with a loose budget. Check out your monthly mortgage payment instanlty by using our mortgage payment calculator.

Buying home? Get Pre-approved & Lock it

Home buying is a very exciting time. Get pre-approved for a mortgage and you can focus the search on properties within a specific price range. This not only saves time and money, but also peace of mind.

New To Canada

Dreaming of your dream home in North America! Just because you are a new immigrant does not mean that you have to wait to purchase a home. If you have been in Canada for less than three years, have landed immigrant status, and have been employed in Canada for a minimum of three months, you can qualify for a mortgage.

Mortgage For Self-Employed

Being self-employed does not mean that you have to show enough income on your T1 General in order to qualify for a mortgage. There are many factors involved in showing income when you are self-employed.

Read more…

Is Your Mortgage Renewal Coming Next Month?

Mortgage Renewal is a great time to look at the many innovative options and competitive rates available
Whether you’re a new entrepreneur or a seasoned professional, smart business owners know that growth brings tremendous opportunities for profit. Your commercial property is an important aspect of growth.


Congratulations on your way to buying your first home! To make your journey smooth and hastle free, do take care of a few things


Debt Consolidation refinances can have a dramatic impact in reducing your global debt payments as the interest rate on the new mortgage is in most cases substantially less than the interest rate in the debt being paid off and the term of the mortgage is often longer than that of the debt being paid off.


Fixed vs Variable Rate Mortgage

Fixed rate mortgages offer greater security and peace of mind because your payments stay the same for the duration of the mortgage term. Variable rates fluctuate with market conditions, so the amount of interest you have to pay can go up or down, depending on the interest rate at that particular time. Although variable rates are riskier, they do tend to be lower than fixed rates historically.