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  • 10 Important Questions to Ask Your Contractor

    10 Important Questions to Ask Your Contractor

    Nov 9, 2022

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    by

    Cognitive Capital
    in Real Estate

    Are you thinking about hiring a contractor before selling real estate? Here are ten important questions you should ask the contractor before signing a contract.

  • Bank of Canada Rate Update October 26, 2022

    Bank of Canada Rate Update October 26, 2022

    Oct 26, 2022

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    by

    Cognitive Capital
    in Mortgage

    Bank of Canada increases policy interest rate by 50 basis points, continues quantitative tightening The Bank of Canada today increased its target for the overnight rate to 3.75%, with the Bank Rate at 4% and the deposit rate at 3.75%. The Bank is also continuing its policy of quantitative tightening. Inflation around the world remains…

  • Best Ways to Plan for Your Down Payment

    Best Ways to Plan for Your Down Payment

    Oct 19, 2022

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    by

    Cognitive Capital
    in Mortgage

    Do mortgages seem unaffordable? These tips will help you plan for your down payment so you can start talking to a private lender mortgage broker in no time. Buying your first house can be exciting, but before you can start to tour potential homes, you need to save a reasonable down payment. Large down payments…

  • Common Mistakes That House Flippers Make & How to Avoid Them

    Common Mistakes That House Flippers Make & How to Avoid Them

    Oct 12, 2022

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    by

    Cognitive Capital
    in Real Estate

    Mistakes That Can Make House Flipping a Flop Common Mistakes That House Flippers Make & How to Avoid Them Making it in the world of house flipping means making sound and prudent decisions. Read on to learn more about common house flipper mistakes. Buying a property to flip is no easy feat. House flipping is…

  • How Mortgage Rates Affect Buying Power?

    How Mortgage Rates Affect Buying Power?

    Sep 16, 2022

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    by

    Cognitive Capital
    in Mortgage

    Do You Know How Your Mortgage Rate Affects Buying Power? To maximize your purchasing power, you should understand how interest rates impact your home buying power. With rising home values and rising interest rates, you may want to consider a private lender when looking at ways to finance your mortgage. Purchasing power refers to how…

  • Bank Of Canada Rate Update September 7, 2022

    Bank Of Canada Rate Update September 7, 2022

    Sep 7, 2022

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    by

    Cognitive Capital
    in Mortgage

    Bank of Canada increases policy interest rate by 75 basis points, continues quantitative tightening The Bank of Canada today increased its target for the overnight rate to 3.25%, with the Bank Rate at 3.5% and the deposit rate at 3.25%. The Bank is also continuing its policy of quantitative tightening. The global and Canadian economies…

  • Should You Pay Off Your Mortgage Early?

    Should You Pay Off Your Mortgage Early?

    Aug 24, 2022

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    by

    Cognitive Capital
    in Mortgage

    It’s a dream to be able to pay off your mortgage early, but is there a downside? While it sounds like a great idea, there are some factors to consider before doing so. This article will explore some of the reasons you may want to hold off on that final payoff amount. Other Debts If…

  • How Many Homes Should You View Before Buying?

    How Many Homes Should You View Before Buying?

    Aug 10, 2022

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    by

    Cognitive Capital
    in Real Estate

    If you are beginning the home-buying process, you may begin to wonder how long it will take until you find the perfect home for you and your family. The answer to that varies due to different factors. Check out these three factors on how many homes you will tour before buying: The State of the…

  • Bank Of Canada Rate Update July 13, 2022

    Bank Of Canada Rate Update July 13, 2022

    Jul 13, 2022

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    by

    Cognitive Capital
    in Mortgage

    Bank of Canada increases policy interest rate by 100 basis points, continues quantitative tightening The Bank of Canada today increased its target for the overnight rate to 2.5%, with the Bank Rate at 2.75% and the deposit rate at 2.5%. The Bank is also continuing its policy of quantitative tightening (QT). Inflation in Canada is…

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Customer Reviews

I partner with mortgage lenders who share my beliefs that applying for a mortgage or financing should be fast, simple, and secure.

Luis Ortega

20-05-23

Michelle is such an incredible person to deal with! Her and her team are just wonderful. Michelle was very responsive and smart. She provided myself and my husband with solutions that would benefit us the most currently and for our future plans.

Jane Smith

22-06-23

Michelle is truly a pleasure to work with! Her team and she are simply outstanding. She was always quick to respond and highly intelligent. Both my husband and I were offered solutions by her that were optimal for our present and future goals.

Paul Do

01-08-22

Working with Michelle has been an amazing experience! She and her team are top-notch. Always attentive and sharp, Michelle gave my husband and me the best solutions for our immediate needs and long-term aspirations.

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Michelle Farrugia
Mortgage Broker
License #M17002141

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85 Scarsdale Rd #107,
Toronto, ON M3B 2R2,
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(647) 799-2029