Novik Financial Inc.
Team:
Deanna Novik
Gold Award Winner
Top Producer  
  Mortgage agent lic#M08003330

Alex Novik
    Mortgage agent lic#M12000331

  


                                                      

      Mortgage For All                                                               


Buying a home

* Get Expert advise on how      to save money and to pay      off your mortgage quickly.
* How much can you afford?
* Get pre-approved in 24          hours!
* Variable vs Fixed rates,          what's best for you.

 Whether you are a first time buyer or looking to move to a new home Novik Financial will give you the facts your bank won't tell you about financing the purchase of the home that is right for you. With access to over 40 lenders including your bank, Novik Financial can help you take advantage of historically low interest rates and make sure you get the mortgage that is just right for you. No doubt you will have many questions:
* Should i get a fixed or          variable rate?
* Why are terms and                conditions so important        when determining my          mortgage?
* How much do i qualify          for?
* What is my credit score        and why is it so important
* Should i include legal fees,    appraisal fees, moving          cost and land transfer tax      in my mortgage?
* How can i beat my bank?


APPLY ONLINE NOW or call us today at 416.953.6076 or 416.953.6077 and get approved within 24 hours!
Let's see your bank do that.


And if you have outstanding debts that are in collections, we can help you settle them for a fraction of the cost.


• 1st, 2nd and 3rd Mortgages

* Pre-approvals

* Debt consolidation

* Debt settlement

* Renovations

* Renewals

* Refinancing

* Home equity line of credit

* Self-employed with stated income

* Bank declines

* Equity take out

And so much more..

 

 


  • Refinancing your property

  • *Consolidate your debts.

  •

    *Does it pay to break your       mortgage?

  • *Need cash fo renovations,     or other big plans?

  • *Borrow up to 85% of your     home's value

  •      Refinancing your existing mortgage can be one of the most effective ways to access equity in your home for various reasons. For example, did you know that you could use the money in your home to pay off other debts that carry higher interest rates than a mortgage e.g., credit card debt, car loans? 

          Why pay interest of 18% on your bank's credit card debt when you can add that debt to your mortgage and pay a much lower interest rate. Sometimes it makes sense to refinance to lower your interest payments, let us help you do the math.

    APPLY ONLINE NOW or call us today at 416.953.6076 or 416.953.6077 and speak to a live Mortgage Agent and find out whether:

    You can consolidate your debts into a lower mortgage payment and pay less bills monthly

    ·       It pays to break your mortgage

    ·       You can borrow that extra cash for renovations or other big plans

    ·       You can borrow up to 85% of your home's value

    START CONTRIBUTING TO YOUR BOTTOM LINE TODAY...NOT YOUR BANK'S!


Alex and Deanna Novik

Centum Mortgage Professionals Corp. Lic#10266 

Mortgage up for renewal

* Be loyal to yourself NOT          one bank
* Choose the best rate from        over 40 lenders
* Four month low rate                guarantee
* No cost to switch lenders!

Your mortgage term has expired and your are now a "free agent".
One of the smartest things you can do is have a Mortgage Agent shop your mortgage renewal to over 40 lenders who all want your business. At Novik Financial we do the work for you and we guarantee your a rate four months in advance of your renewal date which can save you thousands of dollars in interest cost and contribute to your bottom line, not the bank's.
Quick fact your bank won't tell you...transferring your mortgage to a new lender with better terms and better interest rate wont cost you a dime!the new lender will cover all your cost.
Still not sure consider the following:
* Should you be loyal to            yourself or to the bank?
* Do you think you will get a      better mortgage solution by    having access to one or          over 40 lenders?
* Why won't your bank              provide you with fourth          month low rate guarantee?

APPLY ONLINE NOW or call us today at 416.953.6076 or 416.953.6077 and speak to live Mortgage Agent and you can save thousands of dollars on your mortgage renewal. 




Mortgage Rate Update* 
Rates Effective as at: 
April 25, 2012
Prime Rate:    3.00%

5 Year Fixed    3.19%
                 
4 Year Fixed    2.99%
    
3 Year             2.89%
 
Variable           2.80%
                  

*Rates are subject to change without notice

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