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Tag: Mortgage Consultant

How To Learn The Total Costs Of Homeownership? FCAC Explained

How To Learn The Total Costs Of Home Ownership? Mortgage Cost Canada An OverviewWhen it comes to determine costs associated with homeownership, you’re mostly got an impression about how much your monthly mortgage payment will be when you take out a mortgage to buy a home. However, there are some hidden costs of homeownership that will add up in your monthly cost soon in the process. How much does it cost to own a house? Buying a home is an expensive that require you to find out your affordability, and or creditworthiness prior to taking out the mortgage loan. Here in this article you will find; how to learn the total costs of home ownership? Following is an overview on taking out and determine the true cost associated with the mortgage to buy a home in Canada, especially selected from Financial Consumer Agency of Canada that will help you in learning about the total costs associated to become a home owner; it’s brief and to the point:

Half of Canadians who plan to purchase a home think they will only need to cover the down payment to move in. The “closing costs” however, can add as much as another four percent of the total purchase price of the home

Closing costs can include:

  • legal or notary fees
  • land registration fees
  • municipal levies
  • surveys
  • appraisal fees
  • home inspection fees
  • utility hook-ups
  • title insurance
  • property tax and utility adjustments.

Additionally, if your down payment is less than 20 percent of the price, you will have to pay for mortgage default insurance plus the provincial sales tax charged on it.

For a $300,000 home, closing costs could range from $4,500 to $12,000. Other up-front payments that may be required include moving expenses and the real estate costs for selling your old home. Even redirecting your mail is an added expense.

A complete guide to the finances of home-buying is available on the website of the Financial Consumer Agency of Canada at ItPaysToKnow.gc.ca.

Source: Financial Consumer Agency of Canada (FCAC)
Date modified: 2015-06-30

How to save thousands of dollars in home financeing? There are various factors that can save you, where your real and total costs associated with your home ownership will determine your real savings, you may please consult your mortgage consultant to find one best deal for you. For more information and updates on “total costs of homeownership”, you may please go directly to the official website of Financial Consumer Agency of Canada (FCAC).


Consider Your Mortgage Check Up In The New Year

As we have stepped into 2010, consider getting your mortgages check up in the new year to make it sure you have the best mortgage strategy for meeting your goals towards your personal finances.

Ask a personalized mortgage check up from your mortgage consultant to ensure:

  • That your repayment approach suits you mortgage deal, for example with payments structured to maximize mortgage principal reduction,
  • any consumer credit you may have like personal loan, car loan, credit card debt or balances are transferred to a lower interest rate,
  • you have access to the lowest cost funds for renovations, medical, education or other major expenditures.

Contact your mortgage professional right now to learn more about your current mortgage options that could help you save, improve your finances and how to make your home equity work for you.

From all of us at eLoan Canada, we wish you and your family a very happy new year.

Great Saving For The First Time Home buyers

Are you ready to buy a home?

Buying a home is exciting but stressful task that most of the people have to gone through at least once in the lifetime. Before making decision to buy a home, this is your responsibility to look into your pocket and the market both because your smooth financial life depends on the right time and your affordability. Are you financially ready to take advantage of this right time to get a title as a home ownership?

Thinking of buying your first home now that rates have gone down? Good news for those getting into the real estate market. The federal budget introduced earlier this year contains new incentives to help first-time home buyers.

  • Closing costs can be a sizable expense when buying a property, and the budget also provides up to $750 in tax relief to help with the purchase of a first home.
  • Under the popular Home Buyer’s Plan, first-time home-buyers will be able to access up to $25,000 or $50,000 per couple from their RRSP (Registered Retirement Savings Plan) for a down payment to purchase or build a qualifying home.. that’s a $5,000 increase.

In my view this is an excellent offer that helps first time homebuyer in making his or her decision easily because it holds maximum savings which could be utilized into other compelling dreams to fulfill while living in will always remind you, your success over your personal finances.

Consult your mortgage professional for the expert advice specific to your case and requirement. Remember, This investment opportunity is so hot that have made every mortgage consultant so versant to provide unbiased mortgage advice to first time homebuyers.

What’s The Difference Between An Open Mortgage And A Closed Mortgage?

You may have heard about open mortgages or closed mortgages, and are wondering what’s the difference between both.

An open mortgage typically allows the borrower to pre-pay all of mortgage, beside renew or refinance at any time before maturity. This also means that you can switch your lenders at any time you wish. The catch is that this flexibility to pay back the mortgage whenever you like usually comes with a higher interest rate.

An open mortgage may be an ideal solution for those who know they are receiving a large sum such as an inheritance and want to put this money onto their mortgage, or are intending to sell their home in the near future. Open mortgages can also be a good choice for those whose income will vary over time, such as self-employed individuals who will exceed the pay down allowance permitted on a closed mortgage.  .

A closed mortgage typically allows you to prepay a limited amount each year without a penalty, usually between 15 to 25% of the original principal amount. This type of mortgage may also include the ability to increase the size of your regular payments, up to double in many cases.

The basic advantage of a closed mortgage is that they almost always have a better rate compared to an open mortgage, although it pays to understand the pre-payment provisions in the fine print. Looking to pay off your debt early and have a closed mortgage? This type of mortgage loan may be renegotiated or refinanced in most cases with a pre-payment penalty.

The details can vary from lender to lender, so its better to talk to a mortgage broker early on, when you’re starting to think about what financing is best for you. Your Mortgage Consultant will have the latest info on the product choices, rates, and recent interest rate trend in Canadian financial market.

How Mortgage Insurance Protects Your Investment and Secure Your Family’s Financial Future

Your financial picture changes significantly when you get a new mortgage. The purchase of a home is a major financial commitment, and how best to safeguard your investment and your family’s interests is something you have to consider.

There are various insurance companies working in Canada that offers life, critical illness and disability protection specifically designed for mortgage borrowers. You may find the insurance company by your self or you may ask your mortgage broker. Your mortgage insurance covers great number of benefits as bellow:

  • Mortgage Life Protection can cover you, your partner, or up to four individuals party to the mortgage, so that in the event of a death the mortgage is paid off, along with any discharge fees.  Mortgage Life coverage is not the only life insurance you will need, but it is perfectly suited to your needs as a mortgage borrower.
  • Mortgage Critical Illness Protection also pays off your outstanding mortgage balance in the event you are diagnosed with severe illnesses such as heart attack, stroke or life threatening situations like hepatitis and cancer. This coverage provides you and your loved ones with a LIVING benefit.
  • Mortgage Disability Protection makes the monthly mortgage payments up to $2,000, should you suffer an injury or accident and are prevented from performing the normal duties of your job.

Protect your investment and family’s financial future with mortgage insurance! Ask your mortgage consultant or insurance companies providing mortgage insurance any question you may have, there may some conditions apply.

Immigration Loans Program For New and Recent Immigrant to Canada

Immigration Loans Program helping new Canadians to pay for training and certification costs to help find skill relevant work in their profession or trade! Discover about financial assistance and loans available for new and recent immigrant to Canada.Discover financial assistance and loans including personal loan and mortgage products designed for you:

Canada welcomes thousands of new immigrants every year and Government of Canada along with various financial institutions is ready to help you make the change. As a newcomer, you are definitely feeling burden and facing financial challenging environment; your primary goal is to get control of your money to become successful part of the new community, establish your family while stay in touch with your home land to feel informed and secure. eLoan Canada has gathered some important information here about Canada immigration loans program for new and recent immigrant to Canada, to help make your transition a little easier.

It’s a common myth that if you are a new Canadian and have not attained a status of a Canadian Citizen; you do not have right and qualify for financial assistance and loans like mortgage loan, personal loan, car loan, business loan, credit cards and or other credit facilities. The good news is that every landed immigrant can get financial assistance and loans to improve job skills and obtain the credentials to work in Canada, besides applying for other loans that facilitate life for smoother operation and confidence if you can afford, you may apply without any credit history.

There are several loan programs from Government and private sectors are available for new Canadian that will assist you to prepare for the job market and after getting a job and start earning. Beside federal loans programs there are variety of provincial loans that you can apply too, in case you need small business loan to start a new business or purchase an existing one, you can check your possibility with the province and territory where you reside.

According to the Conservative Leader Stephen Harper (2009 report of the House of Commons Citizenship and Immigration committee);

“Federal loan program targets all those new immigrants, who may not have the credit history to qualify for a private loans in the programs they need to get in, some of these programs can cost up to $25,000, may not qualify for support under existing programs such as Canada Student Loans Program and the Immigration Transportation Loans Program. He further states; the small investment in the future of new Canadians will strengthen the future of our economy for all the Canadians.”

According to Citizenship and Immigration Canada (CIC), The Immigration Loans Program provides refugees and protected persons with loans to cover the costs of medical examinations conducted abroad, transportation to Canada, travel documents, housing rental, telephone service deposits and the purchase of work tools, etc., on an easy to follow credit process, for more information and general enquiry you may call on the phone number: 1 888-242-2100

Getting for a mortgage loan is a dream of every individual; you will find various lenders offer mortgage products specifically tailored to the needs of new immigrant and or even non-landed immigrants. While most financial institutions traditionally have insisted that new immigrants provide a down payment of at least 20% to 35%, there are now lenders who offer qualifying new immigrants or those who have been transferred to Canada by an employer, mortgages which feature a much lower down payment.

When we talk specially about no credit check personal loans, most of the short term loan lenders in Canada like payday loans want to push their product in today’s online environment, please don’t accept these types of quick cash loans because it may be possible, you don’t afford it in relation to your uncertain earning or job, if so. Otherwise there is a recently launched GIC investment loan is getting popularly among people looking for personal loans for immigrants in Canada, it may be an ideal solution for all those Canadians who have not build their credit history as a new Canadian immigrants, and looking for some productive financing that will help them to build credit beside receiving a GIC savings account ensures better financial future. You can start building your credit profile that will help you in getting any type of loan or credit facility from best lenders and banks on best rates you need in future. On the other hand, GIC investment loan also help those people who need credit repair loans in Canada to combat their debt problems and bad credit history, it will help in rebuilding good credit history by improving credit score.

The primary purpose of writing on the subject of immigration loan program is to enhance a confidence level of all those individual seeking Canadian immigration and want to find out how their foreign education and job training will help them in Canadian market and what if they require financial help to cover the cost of any additional training and certification to get skill relevant work in their profession or trade, where immigrant loan program provides access to loans for such new Canadians. Moreover, if you are planning to settle in Canada but felt a great concern on the personal financial issue, you may consult with the Citizenship and Immigration Canada (CIC) and ServiceCanada about the credit possibilities with the Canada immigration loans program that may fit your own situation prior to the arrival, you are also advised to check online through province, and or territory’s website of your residence about provincial and territorial financial programs for newcomers and if you are a recent immigrant to Canada, contact loan and mortgage consultant near you to get advice on how you may qualify for financial assistance and loans aimed at new and recent immigrant to Canada. Above all, you will also meet lot of new immigrant enjoying credit facilities, like car loan, personal loan, student loan, mortgage, and credit cards products, ask them personally to get a practical and authentic information and solution.

What Type of Borrower Are You? How Debtors Think..

 Borrowing Needs For Various Types of Borrowers

Personal loan have got so many questions that a human mind carry to be asked one after another to satisfy him or herself, before taking the loan and even after too, until it is not fully paid off. This borrower behavior is most likely affected when getting a mortgage because of its size and value that is far bigger than other personal loans because its most probably needed once in a life, that’s why it felt that borrower behavior will reflect from the questions stated bellow are mostly mortgage loan borrower. Anyway, please don’t consider these questions as an ultimate list but it provides as a good beginning.

  1. May I obliged with some fluctuation in payments?
  2. Do I need the lowest payment possible?
  3. Do I want to know it will not change my monthly payment for the whole loan term or mortgage term?
  4. Do I want to pay back my mortgage loan as soon as possible?
  5. How much I afford to pay as a down payment for the mortgage without disturbing my budget?
  6. Am I looking for the payment savings in term of an insurance exemption?
  7. Are there any credit issues about which I will need to provide documentation?
  8. What will happens if I were jobless, do I have to worry about payment break?

There are plenty of other questions may arise in your mind according to your personal circumstances and situations, these considerations need to be work out with your mortgage consultant and most probably he or she will discuss any other question which might not be in your present question’s list but looking at your curiosity and worries too, an intelligent mortgage consultant will definitely want to offer you expert advice, because your Mortgage consultant has access to an impressive array of mortgage choices.

Financing Home Renovations and Home Improvements

Spring Renovations in Canada!

First quarter of the year is always a busiest time in relation to planning in Canada. There are various things, which need to be work out due to the upcoming weather warming. Beside flowers planting, family picnics, outdoor and indoor social activities there is a most common thing among lot of us is the home renovation, yes this really a biggest task in relation to its importance but hard enough, money-wise you know, thinking about the expenses really seem that blood is shrinking out of the vain but when its done it also felt that new blood with more quantity and energy have replaced with the older one. Yes its felt like having satisfaction looking at the other things like a piece of cake that will be done enjoying the colorful, fragrant and full of life which brings spring for us. Wishing a happy spring to all of you.

Home renovation plans vary with property to property and its condition, smaller to larger projects. Now you need to establish a clear idea about your home improvement by yourself or hire some construction and renovation professional to find out the improvement requirement and the expenses needed, so that you could manage and decide about how you will pay for this. Ideally, you should be ready with your ready to do plans before arrival of the warm weather to go into action your spring renovation to complete earlier, a well planned home renovation give you satisfaction and enjoying your home while increase and maintain its equity, that equity boost can be use to pay to refinance your mortgage, that allows you to get even the very best borrowing rates by using the equity in your home.

There are certain options of money management other than your own savings. A mortgage refinance will allow you to spread your payments over a longer period of time than with a line of credit. Moreover, this may be the best time for you to consolidate variety of high interest borrowings like your credit cards, personal loan, monthly car payments, etc., while applying for your mortgage refinancing. Ask for your mortgage consultant about your financing needs, he’ll guide you the best way to secure your additional mortgage funding that may be helpful for you in your money savings.

Remember, put your plans to work as soon as possible to get rid of the expenses hike and time delay, because you know the increased demand in the construction industry could increase in expenses, shortage of the raw materials and labor beside banking sector could take more days to approve your mortgage refinance application because of the increased loan applicants.

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