Services and Solutions

Home Purchase

The purchase of a home is the largest purchase most people make during their lifetime

I want to make each and every purchaser aware of the many mortgage options available to them prior to their purchase and closing date.

Now, more than ever, financial institutions are regularly launching new products and programs, making it easier to get into that new home sooner. Today, interest-only loans, self-employment programs, rental purchase programs, vacation property programs, and a host of other innovative financing alternatives are dotting the home purchase landscape, making homeownership a reality for more people than ever.

Whether you are first-time buyer or an experienced buyer with excellent credit, I have access to the very best products and rates available across Canada. Give me a call… I am sure, you’ll be pleasantly surprised!

Refinancing is a good option to pull out equity for consolidating debt, home improvements, investments, college expenses, and more.

Canadians today face many reasons to refinance their mortgage. You may need to pull out equity from your home for consolidating debt, home improvements, investments, college expenses, or may have been working at improving your credit score and now qualify for a new mortgage with a better discount, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed-rate. Reasons could be many but refinancing is a great option to access funds at a low interest cost.

Let me help you access the equity in your property to make your dreams turn into a reality.

Refinance

Commercial Lending and Leasing

Commercial Mortgages are designed for businesses and investors who wish to purchase or refinance commercial, income producing properties and offer a flexible way to raise capital

Some common commercial mortgage products provide funding for:

· Income properties

· Multi-residential properties

· Bridge financing

· Restaurants

· Industrial properties

· Office properties

· Self storage

· Retail malls

· Raw land financing

· Start ups financing

· Debt consolidation

I can help you in discovering multiple ways to structure lease financing for new equipment, a sale-lease back to extract capital from existing assets, or solve other equipment acquisition opportunities. As a mortgage professional, I can use commercial and residential mortgage and property credit-line products alone or in combination with lease-financing to help you achieve the best solution for equipment acquisition.

While most Canadians spend a lot of time, and expend a lot of effort, in shopping for an initial mortgage, the same is generally not the case when looking at mortgage term renewals

By omitting proper consideration at the time of renewal, this practice costs Canadian citizens thousands of extra dollars every year. Nearly 60% of borrowers simply sign and send back their renewal that is first offered to them by their lender without ever shopping around for a more favourable interest rate.

Homeowners should never accept the first rate offer from their existing lender. Without any negotiation, simply signing up for the market rate on a renewal is unnecessarily costing the homeowner a lot of money on their mortgage.

Generally it is a good idea to start shopping for a new term between four and six months before your current mortgage term expires. Many lenders send out your renewal letter very close to the time that your term expires and this does not give you ample time to arrange for a mortgage term through a different lender. This means that you need to be tracking your own mortgage term timeframe and know when it is time to start shopping for a good mortgage renewal rate.

Before you ever hear from your lender about renewing your mortgage term, have me shop around for you, you will be amazed at what I can accomplish on your behalf!

Your mortgage is one of your biggest expenses. For this reason it is imperative to find the best interest rates and mortgage terms you possibly can. By shopping around at renewal time you can save substantial amounts of money over the life of your mortgage loan. Don’t be one of the 60% who just simply sign their renewal letter and send it back. Use my services to ensure the lenders compete for your business.

Mortgage Renewals

Beenti Bhavsar

2024-03-16

We have enlisted Kishore's assistance for our mortgage needs, including renewal, refinance, and securing a second mortgage. Starting from a straightforward renewal, then navigating third-party refinancing, and ultimately obtaining bank-approved renewal, Kishore has been our steadfast companion throughout these challenges. Beyond his role as a mortgage expert, he serves as a trusted financial advisor. Thanks to his guidance, we now boast an excellent credit score and healthy cash flow. Kishore, we extend our gratitude to you and look forward to reconnecting in the future.

kanika kimtani

In my search for a mortgage agent, I stumbled upon Kishore Masand’s website, and it turned out to be one of the best decisions I made during my home buying journey. From start to finish, they provided exceptional service. Their expertise and professionalism made the entire process smooth and stress-free. Highly recommended!

satinder sehmbi

Kishore Masand was very knowledgeable and helpful with our financial needs . He walked us through the process and got us the best rates for our mortgage.we were very happy with his services and knowledge he provided us .

Ripduman Lamba

2024-03-13

Being A Successful Real- Estate Sales Broker, ( With Re/Max Royal Properties Realty & Now RE/MAX Realtron ) I Can Say With Confidence That Mr Kishore Masand & His Team Are The Gem Of Trade. It's Not So Easy To Find This Kind Of Honest , Professional And A Dedicated Mortgage Broker. Since I Met Him Long Before, I Never Feel The Need To Knock The Door Of Any Other Mortgage Broker Or Financial Institutions As Well. I Wish Him All The Best And Looking Forward To Do More Deals With His Mortgage & Financial Expertise.

Smit Bhavsar

Working with Kishore Masand from Affinity Mortgage Solutions Inc. was a true pleasure. His responsiveness, knowledge, kindness, and helpfulness, coupled with impeccable work ethics, made the experience exceptional. Kishore's patience, attentive listening, and willingness to go above and beyond ensured he found the perfect solution tailored to my needs. His genuine compassion, drive, and goal-oriented approach are commendable. I was thoroughly satisfied with his services and feel privileged to have collaborated with Kishore Masand from Affinity Mortgage Solutions Inc. I wholeheartedly endorse him to others seeking outstanding mortgage assistance.

Imran Darsot

2024-02-16

Amazing service offered by Kishore and Saurav. They were helpful throughout the process and helped us with our mortgage needs. Kudos. Would highly recommend them to anyone looking for a mortgage.

neha koradiya

2023-12-06

I would like to acknowledge the exceptional service that I received from Kishore Masand during the entire refinancing process. I am very thankful for his professional, responsive and honest assistance with the whole mortgage process from beginning to end. I could not have done this without him. I highly recommend Kishore Masand to my friends and anyone in the market for a mortgage. He is remarkable and very knowledgeable.

Manas Malhotra

2023-07-11

Reliable , Professional and Knowledgeable mortgage advisor.

GURPREET SINGH

2023-04-27

Kishore Masand is an excellent mortgage broker! He was very knowledgeable, professional, and responsive throughout the entire process of getting a mortgage. He made the process very easy and stress-free for me. I highly recommend Kishore to anyone who is looking for a mortgage broker.

jasmeet sehgal

2023-03-27

Kishore is simply the best mortgage agent we ever came across. He took his time to explain everything and his services all the way till closing were impeccable. All thank you to Kishore Ji

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Services and Solutions

Home Purchase

The purchase of a home is the largest purchase most people make during their lifetime

Refinancing is a good option to pull out equity for consolidating debt, home improvements, investments, college expenses, and more.

Refinance

Commercial Lending and Leasing

Commercial Mortgages are designed for businesses and investors who wish to purchase or refinance commercial, income producing properties and offer a flexible way to raise capital

While most Canadians spend a lot of time, and expend a lot of effort, in shopping for an initial mortgage, the same is generally not the case when looking at mortgage term renewals

Mortgage Renewals

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