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Michelle Beeton
Mortgage Specialist

Office 250-549-0945
Cell 250-549-0945
michelle.beeton@gmail.com


 

KalMor Morgages and Investments  - Todays Rates Today's Rates
2.45% Variable Rate
2.64% 1 Year
2.79% 2 Year
2.84% 3 Year
2.99% 4 Year
3.09% 5 Year
3.54% 7 Year
4.04% 10 Year
3.20% Prime Rate



 

Be Mortgage Free Faster!

How about a way to become mortgage free in less time with little change to your current monthly mortgage payment or your lifestyle?

Call Me today to find out how! 250-549-0945

 
Do you have Credit Challenges?

Do you less than perfect credit and your bank said NO.  I might have a salutation for you.

Call me today!! 250-549-0945

 

 

Questions about mortgage costs


  1. What does it cost to use KalMor Morgages and Investments ?
  2. What are the typical costs associated with getting a mortgage?

 

What does it cost to use KalMor Morgages and Investments ?

There are absolutely no costs associated with the online mortgage application process. Even when your application is approved, there are still no costs. Also, at no time are you under any obligation to accept our mortgage offer.

Of course if you decide to accept our approval and follow through with the mortgage, there will be some costs associated with the mortgage itself and may include costs for items like appraisals, legal fees, surveys, etc. These costs are not specific to KalMor Morgages and Investments but are normal expenses associated with mortgages in Canada. Once your mortgage application has been approved, a member of the KalMor Morgages and Investments Mortgage Team will be in contact with you to go over these costs in detail.

In some cases, when secondary lenders are required to facilitate your mortgage requirements which may be the result of credit concerns, brokerage fees may apply. However, you will be made fully aware of any fees prior to your commitment.

 

What are the typical costs associated with getting a mortgage in Canada?

In general terms, the following are typical costs which you will incur when obtaining a mortgage. Again, these costs are not specific to KalMor Morgages and Investments but are normal expenses associated with mortgages in Canada and may depend on your location. A member of the KalMor Morgages and Investments Mortgage Team will discuss these costs in detail once your mortgage is approved. The following are given as a guide only.

 

- Legal Fees $850 - $1,000
- Appraisal $200 - $300
* Title Insurance $200

 

*Title Insurance is required on most mortgages with loan to value ratios over 65%. A survey certificate can be substituted.

Depending on your Province, you may be subject to a property purchase tax when purchasing a new home. Again, a KalMor Morgages and Investments Mortgage Specialist will be in contact with you to discuss these costs.

 

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