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  • Tips for Buying Rental Investment Properties

    Jul 6, 2022

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    by

    Cognitive Capital
    in Real Estate

    Most people float the idea of investment property around at some point in their life, and the growing popularity of real estate buy-and-flip shows only makes the prospect more enticing. However, before taking out multiple mortgages or meeting with private lenders, it’s imperative to understand more about real estate investment. Now is a great time…

  • 5 Negotiation Secrets Smart Buyers Use to Get Better Deals

    Jun 22, 2022

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    by

    Cognitive Capital
    in Real Estate

    Being a buyer in today’s real estate market can be challenging. The market is very competitive right now, making the average buyer feel like it is impossible to secure a good deal. Luckily, some tricks can help you make an intelligent deal so you can achieve your dream of ownership. Most areas are experiencing what…

  • Bank Of Canada Rate Update June 1, 2022

    Jun 1, 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 1½%, with the Bank Rate at 1¾% and the deposit rate at 1½%. The Bank is also continuing its policy of quantitative tightening (QT). Inflation globally and in…

  • How a Mortgage Pre-Approval Can Protect You from Rising Rates

    May 26, 2022

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    by

    Cognitive Capital
    in Mortgage

    With interest rates rising, it’s important to lock in a lower rate as soon as possible. You can do this with the right home mortgage pre-approval. Find out how! Do you plan on searching for and buying a home in the coming months? With rising interest rates, you may decide to move forward with your…

  • Home-Buying 101: A Guide to Purchasing Your First Home

    Apr 20, 2022

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    by

    Cognitive Capital
    in Real Estate

    Home-Buying 101: A Guide to Purchasing Your First Home Buying a home involves a lot of complex steps, but by doing your homework ahead of time, you can boost your know-how and have more confidence in your decision. Like any other significant financial investment, purchasing your first home is an exciting but challenging task. You…

  • Bank Of Canada Rate Update April 13, 2022

    Apr 13, 2022

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    by

    Cognitive Capital
    in Mortgage

    Bank of Canada increases policy interest rate by 50 basis points, begins quantitative tightening The Bank of Canada today increased its target for the overnight rate to 1%, with the Bank Rate at 1¼% and the deposit rate at 1%. The Bank is also ending reinvestment and will begin quantitative tightening (QT), effective April 25.…

  • 5 Benefits of an Investment Property

    Apr 6, 2022

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    by

    Cognitive Capital
    in Real Estate

    5 Benefits of an Investment Property Building a strong real estate portfolio is a great way to create passive income now and a strong investment portfolio for later. If you are looking at building your investment portfolio, real estate can be a powerful tool that brings passive income and tax breaks to the table. However,…

  • Tips for Picking the Right Home to Flip

    Mar 16, 2022

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    by

    Cognitive Capital
    in Real Estate

    Guide to Choosing a House to Flip for Maximum Profit Not every property will make a promising flip. Here is everything you need to know to maximize your profits from the very start while minimizing the risk factors. House to flip, house flippers Flipping houses is a real estate investment that is majorly rewarding but…

  • How is a Private Mortgage Different Than a Traditional Bank Mortgage

    Mar 4, 2022

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    by

    Cognitive Capital
    in Mortgage

    Understanding the difference between private mortgages and traditional bank mortgages can help you make the best decision for financing a new home. Each option provides the money to secure real estate, however, they are structured and processed very differently. In general, private lenders are more flexible and responsive, although they may charge a higher interest…

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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,
Canada

(647) 799-2029