Useful Website Links for Home Buyers in Ontario

Tired of navigating through countless websites to find the exact information that you need? I am too so I decided to put together a list of useful links that you can use yourself. The subject areas covered are, buying a home and mortgage loan insurance premiums, information on the Ontario land transfer tax and refund, enrolling in your city’s pre-authorized payment plan, a link to ordering your own personal credit report as well as a link to the government website listing grants available to home owners who make their homes more energy efficient. Please let me know if these are helpful and if happen to think of any new links that you would like to see, please pass along your ideas to me and I will attempt to add this on. I sincerely hope that these links can save you some time.

Do you need to check if a Mortgage Brokerage, Administrator, Mortgage Agent, or Mortgage Broker is registered and properly licensed in Ontario

Visit the Financial Services Commission of Ontario website at:

http://www2.fsco.gov.on.ca/mbslist/agents.mbl

Do you want to look up the Mortgage Loan Insurance premiums with

Genworth Financial Canada

Mortgage Loan Insurance premiums are available at:

http://www.genworth.ca/mi/eng/product_solutions/premiumRateTable.html

Do you want to look up the Mortgage Loan Insurance premiums with

AIG United Guaranty

Mortgage Loan Insurance premiums are available at:

http://www.aigug.ca/products/premium-rate-chart.pdf

Do you want to look up the Mortgage Loan Insurance premiums with

Canada Mortgage and Housing Corporation or CMHC

Mortgage Loan Insurance premiums are available at:

http://www.cmhc-schl.gc.ca/en/co/moloin/moloin_005.cfm

Do you need to know anything about the Ontario Land Transfer Tax, how it is calculated on your purchase price, or how to apply for the land transfer tax rebate for either a newly constructed home, or a resale home, visit the the Government of Ontario, Ministry of Revenue website at:

http://www.rev.gov.on.ca/english/taxes/ltt/

Do you need to enroll in the City of Mississauga’s Pre-authorized Tax Payment Plan

Visit the City of Mississauga website at:

http://www.mississauga.ca/portal/residents/taxformscentre

Do you need to enroll in the City of Oakville’s Pre-authorized Tax Payment Plan

Visit the City of Oakville website at:

http://www.oakville.ca/taxpayment.htm

Do you need to enroll in the City of Milton’s Pre-authorized Tax Payment Plan

Visit the City of Milton website at:

http://www.milton.ca/residents/tax/taxpayment.htm

Do you need to enroll in the City of Toronto’s Pre-authorized Tax Payment Plan

Visit the City of Toronto website at:

http://www.toronto.ca/taxes/property_tax/forms.htm#plan

For an in-depth document of the ABCs of mortgages, you can

Visit the Financial Consumer Agency of Canada or FCAC website to read it:

http://www.fcac-acfc.gc.ca/eng/publications/mortgages/Amortization_e.asp

Genworth Financial publishes daily mortgage rates on their website at:

http://www.genworth.ca/mi/eng/misc_pages/interest_rates.asp

Equifax Canada

Order a copy of your consumer credit report:

http://www.equifax.com/home/en_ca

Do you want to see what grants, rebates, discounts and incentives are available

If you make your home more energy efficient?

Please visit the Natural Resources Canada website at:

http://oee.nrcan.gc.ca/corporate/incentives.cfm

This article was written by Elizabeth Blair, a Licensed Mortgage Agent with Mortgage Edge in Richmond Hill, Ontario. Elizabeth services mortgage clients in Mississauga and all over the Greater Toronto area.

You can contact Elizabeth directly by phone at (905) 510-5785

by email at eblair@mortgageedge.ca

or you visit her website at: www.missmortgage.ca

Elizabeth is licensed with the Financial Services Commission of Ontario and is also a Member of IMBA (the Independent Mortgage Brokers Association of Ontario) www.imba.ca