(905) 441 0770 allen@allenehlert.com

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Access & Consolidations

Access equity, consolidate debt

get financial freedom

Investment & Commercial

 Diversify your portfolio,

generate income and returns

6 Month Fixed Term from

3.49%

NOTE: Like stock prices, mortgage rates are subject to constant fluctuation. Different lenders offer different rates to different clients. Contact me to negotiate your best rate with the lender who is right for you.

Term                              Rates

1 Year Fixed                                                4.19%

2 Year Fixed                                                4.29%

3 Year Fixed                                                3.65%

4 Year Fixed                                                4.09%

5 Year Fixed                                                3.94%

5 Year Variable                                           3.54%

HELOC Open                                              4.35%

Understanding Variable Mortgages

Choosing between a fixed and variable mortgage can feel a bit like deciding whether to pack an umbrella when the sky looks perfectly blue. You may save money by travelling light, or you may get caught in a downpour. The truth is that neither mortgage is automatically...
Understanding Fixed Mortgages

Understanding Fixed Mortgages

Understanding Fixed Mortgages: A fixed mortgage can feel like putting a fence around one of your household’s biggest expenses: for the length of your term, the interest rate—and usually the required principal-and-interest payment—stays put.

NFR

Canada’s Non-Federally Regulated Mortgage Providers

Mortgage providers in Canada are either federally or provincially regulated. Canada's chartered banks are federally regulated while many other lenders (see below) are not. Getting a mortgage from a non-federally regulated mortgage provider in Canada has both...
Ontario Land Transfer Tax Rebate

Ontario Land Transfer Tax Rebate Explained

Imagine you and your partner are excited to buy your first home in Ontario. You spend your weekends looking at homes, dreaming of your future, and planning your perfect space. But then, you start to worry about the extra costs, like the land transfer tax. That's when...
Struggling Under Stress Test

Struggling Under the Stress Test

Discover how the mortgage stress test in Canada impacts the ability of Canadians to afford homes and the actionable steps you can take to address this requirement.

Financial And Lifestyle

Balancing Financial and Lifestyle Goals

In the realm of personal finance and lifestyle design, real estate often serves as a cornerstone. It represents not only a significant financial investment but also a profound lifestyle choice. As a former realtor, financial advisor, and mortgage agent, I've observed...
Home Inspection Condition

Condition of Home Inspection

When purchasing a property, the condition of home inspection gives the buyer the right to hire a professional home inspector to assess the property's condition. If significant issues are uncovered, the buyer can renegotiate the price, request repairs, or cancel the...
Mortgage Regulators

Regulating the Canadian Mortgage Industry

The structure of the regulatory framework for the mortgage industry in Canada is intricate and multi-layered, involving federal, provincial, and municipal entities along with key market participants such as the Bank of Canada and the Canada Mortgage and Housing...
Home Appraisal vs Home Inspection

Home Appraisal vs Home Inspection

Discover the difference between a home inspection and a home appraisal and how those differences impact your purchase and finance decisions.

Condition Of Appraisal

Condition of Appraisal

In real estate transactions, an appraisal condition is a clause in the Agreement of Purchase and Sale that makes the buyer's obligation to complete the purchase contingent upon the property's appraised value meeting or exceeding the agreed-upon purchase price. This...

About Me

My passion is empowering you to secure a future filled with stability and happiness in your own home. I specialize in creating personalized strategies tailored to your unique needs. My approach is centered around honesty, transparency, and a steadfast commitment to your best interests. Whether it’s finding the most advantageous rates or navigating the intricacies of the mortgage process, my aim is to guide you with ease and confidence. Let’s work together to transform your dreams into a vibrant reality, laying a secure and joyful foundation for your life ahead.

Testimonials

“Working with Allen Ehlert was a fantastic experience; he expertly navigated the mortgage landscape to secure the best rate for us. His dedication and knowledge truly made the difference in our home-buying journey!”

“Finding Allen Ehlert was a breath of fresh air in our mortgage search; he genuinely looked out for our interests, thoroughly explaining all the risks involved, something we hadn’t experienced with anyone else. His honesty and commitment to our well-being made the entire process feel secure and well-guided.”

“I’m absolutely thrilled with the incredible strategy Allen devised for my complex mortgage situation, which was nothing short of a lifesaver! Thanks to his ingenious approach and deep understanding of the industry, I was able to keep my beloved home against all odds.”

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