Kim Gibbons Mortgage Broker Mortgage Superhero®

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Toronto Mortgage Broker finding the best mortgage for your particular situation

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Real Estate Agent Kickbacks and How They Can Harm You

September 9, 2015 by Kim Gibbons Filed Under: Blog

Does your Real Estate Agent refer your mortgage directly to a bank or bank Mortgage Specialist?  Chances are, if they do then they are getting paid to refer your business.  Are you aware of that?  If not, then you should ... Read More

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Bank Fees – Are You Being Charged One to Make Your Mortgage Payment?

May 1, 2015 by Kim Gibbons Filed Under: Blog

If you ever thought a bank was working in your best interest, you may want to have a rethink.  The banks have shareholders to answer to and the demand for their share price to continue to rise as well as the expectation of ... Read More

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The CMHC Mortgage Insurance Premium Increase as of June 1, 2015

April 6, 2015 by Kim Gibbons Filed Under: Blog

CMHC announced on Thursday, April 2nd that they will be increasing mortgage insurance premiums for homebuyers that have 5%-9.99% of the purchase price as a downpayment by 15%.  For homebuyers with 5% down - the premium on the ... Read More

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New Construction Condos, Leasing, Assignments, and the Law

April 5, 2015 by Kim Gibbons Filed Under: Blog

This is great information from one of our fantastic lawyers, David Feld of the law firm Feld Kalia which deserves to be shared.  This concerns renting out or assigning new construction condos before registration (when you ... Read More

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Collateral Mortgages and Lender Updates

March 25, 2015 by Kim Gibbons Filed Under: Blog

The increasingly hot topic of collateral mortgages continues to make headlines and with more lenders forgoing a standard charge mortgage (also known as a conventional charge mortgage) for the collateral charge - we thought it ... Read More

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A Mortgage is More Than Just a Rate – Restrictions, Features, and Myths

March 1, 2015 by Kim Gibbons Filed Under: Blog

Looking for the absolute rock bottom lowest mortgage interest rate?  Gone are the days when consumers are just looking for the lowest mortgage rate.  OK, let's face it - some still do but many who are searching for mortgages ... Read More

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Mortgage Prepayment Penalties Explained

January 28, 2015 by Kim Gibbons Filed Under: Blog

    Fixed rate mortgage penalties, variable rate mortgage penalties, bank penalties versus non-bank penalties - understanding the differences of each is crucial when choosing your mortgage.  When clients take ... Read More

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How to Avoid Penalty Shock on your Mortgage – Kim Gibbons featured in Yahoo Finance

June 9, 2014 by Kim Gibbons Filed Under: Blog, Kim in the Media

As Canadian consumers become more educated and savvy with mortgage options the spotlight focuses once again on penalties and the true cost of breaking a mortgage.  Here is a great article that discusses this very thing and ... Read More

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TDCT quietly makes changes to their Standard Mortgage clauses – Buyer Beware

March 20, 2014 by Kim Gibbons Filed Under: Blog, Tips and Advice

This is definitely a significant change and one that should be considered when looking for mortgage financing with TDCT.  TDCT quietly changed their standard mortgage clauses earlier this year and without much fanfare..until ... Read More

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Kim Gibbons

As a Mortgage Broker I work in partnership with each of my clients and believe in the value of relationships. Your priorities and interests become my priorities and interests.

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Happy Clients

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“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

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“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 

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“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’

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“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

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“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

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“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

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“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

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“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

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    Kim Gibbons, 210 Victoria Street, Toronto, Ontario , M5B 2R3   416-400-8107

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