Kim Gibbons Mortgage Broker Mortgage Superhero®

Mortgage Intelligence fsco licence: 10428

Toronto Mortgage Broker finding the best mortgage for your particular situation

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Divorce, Legal Separation, your Home and your Mortgage

September 11, 2015 by Kim Gibbons Filed Under: Blog

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

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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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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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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 in Feb/Mar issue of Moneysense Magazine – Financing Renovations

March 4, 2013 by Kim Gibbons Filed Under: Blog, Kim in the Media, Tips and Advice

Please click here to read the article "Home Renovation Reality Check"   Kim Gibbons, ” Your Mortgage Superhero ®” Mortgage Broker FSCO lic. ... Read More

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Understanding Collateral versus Standard Charge Mortgages

February 3, 2012 by Kim Gibbons Filed Under: Blog, Tips and Advice

More lenders are moving to collateral charge mortgages so it’s becoming increasingly important to understand the differences between a collateral and standard charge mortgage. TD Bank announced in October, 2010 that all new ... Read More

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Rate Drops – Another reason to use a Mortgage Broker

August 11, 2011 by Kim Gibbons Filed Under: Blog, Tips and Advice

The time between when your mortgage is approved and when you close - who is watching the rates for you, advising of any significant rate drops and providing you with the best rates right up until closing?  Would your bank ... 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 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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“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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“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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“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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“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 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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    Kim Gibbons, 210 Victoria Street, Toronto, Ontario , M5B 2R3   416-400-8107

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