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Deren Hasip
About
Deren Hasip is the founder of Mortgage Scout where he works as senior Toronto mortgage agent and broker coach in Bloor West Village. Deren’s success did not come easy. He started his career on the ground floor as a teller and gradually leveled up. He was eventually promoted to advisor and manager until reaching the position of bank executive. During his 20 years of experience in retail banking and mortgage origination, he worked in many banks, most of which are rated as Canada’s top banks.
Because of his expertise and professionalism, Deren was nominated for the Ontario Premier’s Award in 2002. One of Canada’s top 5 banks profiled him as a Mortgage Expert in its national media campaign. Additionally, he supports several charities and community programs. During his working hours, supportive and loyal to his clients, Deren is constantly searching for structuring solutions and improving the financial statuses of his clients. His satisfied clients use three words for describing Deren’s personality – knowledge, integrity and commitment.
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Mortgage Scout
Contact
Address: 1796 Bloor St. West, Toronto, ON M6P-3K5, Canada
Phone: 647-362-5472
Email: deren.hasip@mortgagescout.ca
License: M15001201
Website: https://www.gtamortgage.expert/our-team
Calum Ross
About
Calum Ross is a wealth advisor and principal broker of The Mortgage Management Group (TMMG). He finished his education at the prestige Harvard Business School and the Schulich School of Business at the York University.
As a mortgage broker in Toronto (Bloor West Village area) Calum has personally funded more than $2.5 billion dollars of residential mortgages. With such astonishing achievement, he is one of the single largest producers in the Canadian mortgage industry history. When it comes to matters relating to mortgage and real estate market, he is regularly consulted by many pension funds, government policy makers and federal mortgage insurers. He is involved in the Soros Fund Management and the Goldman Sachs.
Calum won the Canadian Mortgage Award for Mortgage Broker of the Year and for Best Customer Service in 2014. He also won the Canadian Mortgage Award for Mortgage Broker of the Year in 2016. Additionally, Calum contributes in some of the Canada’s most credible media sources like BNN, CBC, CTV, CMP, Global, The Toronto Star and The Huffington Post.
Calum does not rest on his laurels. He frequently implements new solutions for improving the customer services of his company and upgrades his knowledge. He also invests in employee education and customer service training.
Contact
2115 Bloor Street West, Unit 2, Toronto, Ontario M6S 1M5
Phone: 416.410.9905
Email: clientcare@calumross.com
License: M08005413
Website: https://www.mortgagemanagement.ca/
Kim Gibbons
About
Kim Gibbons or popularly known as the Mortgage Superhero is a Toronto Mortgage Broker and founder at Mortgage Intelligence. With over 24 years of experience, dedicated work and access to more than 50 lenders, she is on top of her field.
As an Accredited Mortgage Professional, Kim provides her clients with the highest standard of services. She considers your priorities her own priorities and your interests her own interests. She believes that the key to successful partnership is converting the mortgage “process” into a “relationship” process.
Contact
Address: 210 Victoria Street, Toronto, Ontario M5B 2R3, Canada
Phone: 416-400-8107
Cell: 416-400-8107
Mortgage license: M08001363
Website: https://mortgagesuperhero.com/
Resource Information for Toronto Home Buyers
Toronto is the capital of Ontario and the largest city in Canada. It's considered one of the most multicultural cities in the world with more than 200 distinct ethnicities and a visible minority over 50% of the population.
As a Torontonian myself, I can attest to the diversity in the city and I've met people who have moved here without knowing english and only know their native language and they can get by relatively easily because of many large ethnic populations that exist.
They could eat their home food, speak to people in their home language, and have enough contacts from their home country to rely on for help and act as a resource and get by in the city.
There are many neighbourhoods of different ethnicities such as Chinatown, Greektown, Little Italy, Little India, Koreantown, and many others.
What's interesting in each neighbourhood is that of course, you'll find a plethora of restaurants and shops of the specific ethnicity, but, at the same time, you can find a few of other ethnic shops and restaurants in the neighbourhood too.
Toronto Land Transfer Tax
One thing I should discuss that every home buyer should know about when buying in Toronto, is our land transfer tax.
We're the only city in North America that levies another land transfer tax on top of the provincial land transfer tax.
How much can it cost you?
Well, if I recall correctly, my townhome that cost me over $500k when my wife and I bought it, cost us an additional $7k in taxes, which is on top of the $7k in taxes levied by the province.
We're the only city in North America, maybe the world where our city levies this tax on top of the provincial one.
Why?
I have no bloody idea.
Well, okay, here is one theory: We're Canadian and we don't complain too much except for the weather.
Yeah, we complain more about the weather than an extra several thousand dollar tax that is only levied by our city in all of North America and maybe the world. We're crazy!
We should abolish this damn tax. Other cities can get by, why not us??? How can our city councillors get away with this? It's absurd. And we still can't balance our books. Talk about pathetic.
And to think it's been around since 2008. More than 10 years of over-burdening us and we still can't get it right.
We just went through one of the best periods in Toronto's history (I would think) with respect to real estate. We were setting record after record and hitting global headline news with respect to our real estate. We must have been raking in tons of extra cash. And what have we got to show for it. A ballooning deficit.
We need Trump to come in here and fire a few people (25 to be exact), because Canadians aren't going to do anything.
We'll just keep complaining about our stupid weather. (Although, I have to admit, I hate our weather too.)
Trump changed NAFTA in what a year or two? That's unbelievable! It's unheard of. I mean, honestly, any other president would have taken 10 years or more to change something as big as NAFTA. Or it might not have even happened. Not changing something like NAFTA.
I hate to say it, but, our only chance is our bully Premier, Doug Ford, who could possibly change this tax. Nobody else has the ability to do it. But, whether he wants to do that is unknown to me.
Anyways, that's our Toronto Land Transfer Tax. Know about it before you make your purchase.