Kim Gibbons Mortgage Broker Mortgage Superhero®
Toronto Mortgage Broker finding the best mortgage for your particular situation
Let's face it, in my humble opinion the federal government went overboard on imposing mortgage regulations as of January 1st, 2018. Namely the "Stress Test". We are now seeing the unintended consequences of their ... Read More
On October 17th the Office of the Superintendent of Financial Institutions unveiled their final changes to the B20 mortgage underwriting guidelines. What could be the consequences of these new rule changes? A slow down in ... Read More
Jumping into the world of home (or condo) renovation is always something that you need to be not only financially prepared for but mentally and emotionally. Especially if it is a full right to the walls renovation or a tear ... Read More
What is mortgage bridge financing or as it is more commonly known as, a bridge loan? Essentially, the mortgage lender is lending you your downpayment and in most cases, your closing costs if you were to purchase a property ... Read More
As a Mortgage Broker, I have an obligation to my clients to "offer" mortgage insurance. What does that mean? It means that you have choices with life, disability and critical illness or an option to waive all however since ... Read More
With the federal government's changes to the housing industry coming into effect on October 17th and November 30th, it is important to let your voice be heard. Please sign this petition to signal to the federal ... Read More
Well, when the federal government wants to drop a bomb on the housing market, they go full out. They announced changes to the mortgage rules yesterday and boy are they doozies! I will start with what I see as the most ... Read More
Between 2008 and 2012 the federal government have made several changes to the rules concerning government backed insured mortgages including reducing the amortization from 40 years to 25 years and increasing the minimum ... Read More
Going through a divorce or becoming legally separated is always a challenging and emotional time. So many questions regarding your largest asset - your home, and what can be done to satisfy both parties. I speak with many ... Read More
“Thanks for finding us the best mortgage solutions. You are an integral part of our team and our success! We couldn’t have done it without you.” ~ Paul Peic, host of ‘The Big Flip’
“Thank you so much Kim for your professionalism and kindness throughout my journey of becoming a home owner. I will not hesitate to recommend you.” ~ Charlene Chu
“Kim shows extreme professionalism, business savvy and provided the best options for us. She has left our minds at ease due to her caring attitude.” ~ Dana Cuff and Mark Beson
“Thanks for always being available at the drop of a hat to help me with my mortgage. This is why you are indeed a superhero.”
~ Andrea Macri
“Kim made our dreams become a reality. We have now done 4 deals with Kim in 2 years with the expectation of many more. When Kim says it can be done it is!” ~ Chris and Jen Heslin
“What a big relief it was to have Kim help me. In addition to giving me fantastic service she knows her stuff, is passionate about what she does and truly cares.” ~ Donna Jarego
“Kim is fantastic! Working fast, she came up with something that was perfect for us. The best part is the continued support & advice she gives us after our purchase.” ~ Craig Gordon
“Kim has exceeded all of our expectations. She is an absolute expert in her field. We will never consider using any other mortgage broker. Kim is simply the best.” ~ Gina Lijoi
