2.99% 5 Year Fixed -Until July 9th

Just an FYI. If you are closing on a home within the next 30 days or considering refinancing, we are offering 2.99% for a 5 year fixed mortgage. This applies to high ratio mortgages only (less than 20% down-payment). This offer is valid until July 9th. Contact me today if you are interested. Mark Kupina | 1.888.955.9011 | mark@kmortgage.ca

Refinancing: is it worth it?

Fixed-rate mortgages are at historic lows but if you are locked in to a contract with your bank, those benefits may be yet elusive. First you have to do the math to see if breaking your contract is worth the penalties you may face. "There is no grey area," says Cindy David, a certified financial planner at Dupuis Langen Financial Management Ltd. in Vancouver. "It's either worth it or it's not." The big five banks are offering four and five year mortgages at just 2.99%. "We're even seeing 10-year fixed rate mortgages at 3.99%," says Ms. David. "Think about that: Interest and principal at 3.99% for 10 years. From a financial planning perspective if any client approached me and said 'Should I look into breaking my mortgage?' My answer would be yes." Step one comes down to meeting with your financial institution and doing the math to determine whether or not the cost of breaking your mortgage is worth the anticipated savings from the lower rates. The fact is the penalty for breaking a mortgage can be thousands of dollars and in many cases, the cost and the future savings cancel each other out, in which case you may be wise to wait until your mortgage is up for renewal.

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$200 Gift | ReferMortgages.com

For any referrals sent to us you will receive a thank-you gift from our mortgage team. Be confident knowing your referral is in the hands of a service second to none.

Opportunities are all around us! Whether it is family, friends, co-workers or neighbors, people are constantly purchasing, moving, upgrading, downsizing, refinancing or investing in real estate. Visit www.ReferMortgages.com to complete our simple referral form. Don't forget to select your preferred thank-you gift from our numerous choices. If you'd like, call or email us with your referral details.

These days, mortgages are a part of everyday life. It is no secret that almost everyone will one day work towards paying off a mortgage. This transaction can be daunting and is often life's largest financial undertaking. For this reason, we ensure clients are well informed and confident that they are receiving the best in mortgage service. Our product is not mortgages but rather customer satisfaction.

Kupina Mortgage has been built on referrals and for this we thank the wonderful clients we have had the opportunity to work with. This referral program has been developed as a way to show gratitude to our clients for sharing their experience with others. With this small token of our appreciation, we give you a guarantee that any referral you send to us will receive the same great service and experience that we offered you. For those that are not clients but are interested in referring friends and family, we offer the same referral rewards to you. 

Feel free to contact us if you have any questions or concerns.

1. First Referral: $50 Gift
2. Second Referral: $100 Gift
3. Third+ Referral: $200 Gift

www.ReferMortgages.com | 1.888.955.9011