Please remember that although the interest rates on a 5-year term jumped a little last week, the 3 and 4-year terms are very low, as is the variable rate I am able to provide to my clients. And as far as the history of mortgage rates go, we are still in very historic low rates. Some variable rate products I can offer you allow you to have a 5-year term, and if you think you might sell your home before the 5 years is up, the penalty is as low as 3 months' interest.

As a Licenced Mortgage Agent for Mortgage Alliance, the largest brokerage in Canada, and a member of the Masters Club for Mortgage Alliance, I can provide an amazingly wide array of mortgage solutions for refinancing, purchasing, and debt management.

Don't let a penalty from your current mortgage holder deter you from exploring a refinance - sometimes paying the penalty to get into lower rates for a longer term pays for itself in just a few months !

Being a recipient of Rookie of the Year for a previous year, as recognition of top sales volume across Canada, this indicates to you, my client, that I will work tirelessly to find suitable financing for you !

Please send me a quick email - dhagerman@mortgagealliance.com - so we can talk; my services are free except for the rarest of situations.

Enjoy your week !

Dilys Anne Hagerman
Mortgage Alliance