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L’ÉQUIPE WILSON LE “TOP 1%” AU CANADA

Nous sommes l’équipe Wilson — expert en courtage hypothécaire. Nous répondons aux besoins des propriétaires de la région d’Ottawa et des régions avoisinantes. Comme courtiers pour Invis, l’une des plus grandes firmes de courtage hypothécaire au Canada, nous pouvons vous aider avec tous vos besoins pour l’achat ou le refinancement d’une propriété, peu importe votre situation. Que vous soyez travailleurs autonomes ou à temps partiel, nouveaux arrivants au Canada, nous pouvons vous aider avec l’achat d’une propriété déjà établie ou d’une nouvelle propriété érigée par un constructeur ; ou encore pour l’achat d’une propriété à louer. Nous pouvons aussi vous offrir nos services pour les renouvellements hypothécaires, les refinancements, l’accès au capital de la maison, ou la consolidation de la dette. Nous offrons des taux variables ou des taux fixes, une remise en argent, etc. La liste continue, en outre nous pouvons répondre à tous vos besoins hypothécaires.

Pourquoi choisir un courtier hypothécaire ? C’est simple, les courtiers en hypothèques ont reçu une formation et ils ont l’expertise pour non seulement vous aider à prendre une décision éclairée au sujet de votre prêt hypothécaire, mais aussi pour vous renseigner sur vos choix. Pourquoi l’équipe Wilson ? Parce que nous allons travailler sans relâche avec vous et en votre nom pour vous obtenir le meilleur produit hypothécaire au taux le plus compétitif. Nous avons accès à une gamme de produits hypothécaires de plus de 50 prêteurs respectés. Nous allons sélectionner avec soin le produit qui répond le mieux à vos besoins. Nous allons négocier le meilleur taux possible pour chaque situation. Nous allons aussi vous renseigner sur les produits afin de voir au-delà des taux ce qui pourrait vous faire économiser des milliers de dollars sur la durée de votre prêt hypothécaire.

L’équipe de conseillers hypothécaires Wilson a obtenu un succès remarquable en mettant leurs clients en première place. Nous avons gagné la confiance de chacun de nos clients et notre entreprise n’a cessé de croître à partir de références et du retour de nos clients. Laissez-nous gagner votre confiance en vous offrant une stratégie hypothécaire qui vous aidera à atteindre vos objectifs financiers et qui vous permettra d’atteindre vos buts pour l’achat d’une propriété.

 

 

Acheter ou refinancer maintenant avant le changement des règles en janvier

Si vous cherchez à acheter et que vous aurez plus de 20% de baisse, ou si vous envisagez un refinancement, alors vous voudrez peut-être le faire avant le 1er janvier 2018. Pourquoi? Le 17 octobre, le Bureau du surintendant des institutions financières (BSIF) a publié de nouvelles lignes directrices sur la souscription d’hypothèques résidentielles dans toutes les institutions financières sous réglementation fédérale. À compter du 1er janvier 2018, un nouveau «test de résistance» sera appliqué à toutes les nouvelles hypothèques conventionnelles – et pas seulement aux hypothèques nécessitant une assurance hypothécaire (mise de fonds ou mise de fonds inférieure à 20%).

Le soi-disant «test de stress» est conçu pour protéger les propriétaires si les taux d’intérêt augmentent. Les prêteurs seront tenus de qualifier toutes les nouvelles hypothèques conventionnelles au taux de référence de cinq ans le plus élevé de la Banque du Canada (actuellement de 4,89%) ou au taux contractuel majoré de 2%. Donc, si votre taux de contrat est de 3,29%, vous serez qualifié à 5,29%.

Voici ce que cela pourrait signifier pour vous:
Vous voulez acheter une maison avec plus de 20% de baisse. Vos paiements seront toujours basés sur votre taux de contrat, donc cette nouvelle règle ne vous coûte plus cher. Cependant, la nouvelle règle pourrait changer combien d’hypothèque vous qualifiez. Si c’est le cas, vous devrez peut-être regarder une maison moins chère, économiser pour une mise de fonds plus importante, ou réduire toute autre dette. Ou nous pouvons jeter un coup d’oeil à une hypothèque à taux variable qui abaisse votre taux admissible (si le taux plus 2% est inférieur à l’indice de référence 4,89%) et a la possibilité de convertir en un prêt hypothécaire fixe.

Vous voulez refinancer pour rembourser la dette ou acheter une propriété d’investissement. Ici aussi, votre paiement hypothécaire réel ne sera pas affecté. Mais la nouvelle règle pourrait vous ralentir en rendant plus difficile de se qualifier pour votre refinancement. Vous devrez peut-être attendre et accumuler plus d’équité, ou regarder une hypothèque variable de taux inférieur. Si ce refinancement est important pour assurer votre propre santé financière, contactez-nous dès que possible.

Votre prêt hypothécaire sera renouvelé l’année prochaine. Cette exigence de qualification plus stricte ne s’appliquera pas aux renouvellements d’hypothèques. Cependant, si vous faites des achats pour un meilleur contrat avec un nouveau prêteur, cela vous obligera à vous qualifier de nouveau … et la nouvelle règle s’appliquera à vous aussi. Il est toujours très important que nous examinions vos options ensemble.

Que pouvez-vous vous permettre?
Nouvelle hypothèque admissible aux achats avec une baisse de 20%

Revenu du ménage Pouvoir d’achat aujourd’hui Pouvoir d’achat 1er janvier 2018
60 000 $ 409 626 $ 334 323 $
100 000 $ 682 710 $ 557 206 $
150 000 $ 1 024 065 $ $ 835 809
200 000 $ 1 365 420 $ 1 114 411 $

& nbsp;
À titre d’illustration seulement. Selon l’amortissement de 25 ans, les achats à la baisse de 20%, le terme de 5 ans, le taux admissible de 3,29% aujourd’hui et de 5,29% en janvier 2018. Ne comprend pas les taxes foncières, les frais de chauffage ou de copropriété. OAC.

Entrez en contact maintenant – vous avez le reste de 2017 pour entrer dans les anciennes règles. À l’avenir, je suis ici pour travailler avec vous au début du processus afin de vous assurer que vous êtes entièrement prêt pour votre achat ou votre refinancement. J’ai également accès à des prêteurs non assujettis à la réglementation fédérale qui ne relèvent pas de cette nouvelle ligne directrice.

Je suis toujours là pour répondre à vos questions, alors n’hésitez pas à appeler ou à envoyer un courriel à tout moment!

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What Our Clients Are Saying

  • The Invis Wilson Team Mortgage Experts have gone above and beyond to find the most suitable mortgage for my needs. Their incomparable rates, expertise, friendly and prompt service made it easy and hassle free to process my mortgage. Knowing that they could get the best rates and great service overall, I asked them to find me another mortgage for a subsequent home purchases.

    - Faisal G,
    The Wilson Team Google Review
  • Kelly and her team is awesome. My husband and I felt like we were their most important client. Kelly was very professional and prompt in responding to all our questions or concerns and provided us with sound, honest advice based on her expertise and knowledge. The process of renewing our mortgage with the Wilson Team was a positive experience because we were connected to all the right people and received the best mortgage rate. Thanks Kelly and Team!

    - E R Mills,
    The Wilson Team Google Review
  • As a nervous First Time Home Buyer Kelly put me at ease. From my first interaction with Kelly I knew I was in good hands. I started out by e-mailing her as with any first time buyer I had a million questions. Kelly answered all of them promptly with her usual positive, enthusiastic and energetic responses. I decided to call her one night around 630 as I wasn't understanding something. I assumed her office would be closed so I could leave a message. To my amazement she picked up, who works after 5? I wasn't aware that the number on her e-mail is her cell and that she is ALWAYS available to help. I apologized for interrupting her after work and she responded, " No problem at all, just cleaning up after dinner. What's on your mind?". This conversation lasted almost two and a half hours as she explained the home buying process and the differences between mortgages...etc.

    Long story short, Kelly and the Wilson team made buying a home a very pleasurable and memorable experience for a first time home buyer. I would not hesitate to recommend them to anyone! Their exceptional Customer Service is second to none. Their honesty, hard work, dedication to my needs/interests and sound knowledge of the industry will keep people like me coming back. Not to mention..... they got me the best rate I could find!

    Kelly, you and your team rock. Keep up the great work!

    Adam & Ash

    - Adam Whitehorne,
    The Wilson Team Google Review
  • Kelly and the entire Wilson Team have gone above and beyond to find the most suitable mortgage for my needs. Their incomparable rates, expertise, friendly and prompt service made it easy and hassle free to process my mortgage. I would be more than happy to use Kelly excellent service again and will gladly refer my friends and family over to her.

    - V Stephen,
    The Wilson Team Google Review
  • The Invis Wilsonteam was very professional,especially Kelly.She was able to get me a mortgage and the best rate when my family needed it.I'll recomend anybody to work with this mortgage broker.
    Thanks Kelly!!

    - Lester Sio,
    The Wilson Team Google Review
  • We were referred to the Wilson Team by a friend when we were not happy with our current mortgage rates and the services offered. After the initial contact and the exchange of information, we promptly received much better offers, including a calculation showing us how we would benefit even by incurring penalties for ending our current mortgage. If you do engage with the Wilson Team you can expect prompt communication, a high level of professionalism, custom-tailored solution and equally important, an ongoing resource even after everything is said and done. We will absolutely be contacting the Wilson Team for any of our mortgage needs in the future.

    - Kasper Baunbech,
    The Wilson Team Google Review
  • We have worked with Kelly on purchasing 2 homes and renting another. We LOVE working with her. She's knowledgeable, honest, and hard working. Always available to answer questions with detailed explanations and with an appropriate sense of urgency. I wouldn't hesitate to recommend her.

    - Kerry Chatburn,
    The Wilson Team Google Review
  • Kelly worked with me to get my first mortgage approval last fall. Without her straight forward and honest approach, we may not have been as successful! I know she went the extra mile, and made me feel comfortable the whole time. I admired her tenacity and determination to get me the best rate.

    I would recommend her on any level, but especially to any first time home buyer, for ease, extra care and patience. New homeowners are nervous wrecks!

    - Lisa Robinson,
    The Wilson Team Google Review
  • Kelly and Kevin were both VERY patient with us and always answered our questions with kindness! :) They guided us through out the entire process with knowledge and wonderful encouragement. It is so nice to know that there are wonderful people "out there" that still care for others well being. We were very lucky to have you as our advisors!

    - Steve Poirier,
    The Wilson Team Google Review
  • We've been dealing with the Wilson Team for about 15 years now. They make mortgages easy! Proactive, professional and engaged. We always feel fully informed. Joe and Emily Di Paolo

    - Emily Di Paolo,
    The Wilson Team Google Review
  • I have nothing but great things to say about the Wilson Team. It's the second time I've dealt with them. My first mortgage was through Kelly which was easy and fast. She was proactive and concise.

    Second time around we worked with Kevin Mayer. He is super professional and very patient and above all he can really break down the complicated terms and processes. It was an absolute amazing experience working with him. Kevin your great at your Job and we thank you for all your help. I know this time around things were much more complicated and you provided us with knowledge and a step by step guide. You exceeded my expectations and will definitely recommend the Wilson team to anyone looking for a mortgage. I would give you 10 Stars if I could. We are truly thankful for all your help. A+ to Kevin

    - Giovanni Barresi,
    The Wilson Team Google Review
  • Kevin from The Wilson Team made the process of getting our mortgage quick, easy, painless and a pleasurable experience! The service and advice provided to us was phenomenal and, above and beyond what we ever expected. When we first contacted you to inquire about a mortgage we had no idea what to expect, you guided us through the whole process and kept on top of things the whole way. We will strongly recommend The Wilson Team to family and friends in the future and, will definitely contact you if we ever need another mortgage. Thank you!

    - Germain Cormier,
    The Wilson Team Google Review
  • The Invis Wilson Team Mortgage Experts have gone above and beyond to find the most suitable mortgage for my needs. Their incomparable rates, expertise, friendly and prompt service made it easy and hassle free to process my mortgage. Knowing that they could get the best rates and great service overall, I asked them to find me another mortgage for a subsequent home purchase when I moved away from Ottawa.

    - Steve Freeport,
    The Wilson Team Google Review
  • Working with Kelly was great. I was looking for rental properties and she was able to recommend an up-and-coming company that buys entire rental projects, renovates the units and then sells rent-ready properties to investors. In the end, I got a rent-ready townhouse in my price range. Also, I now don’t have to worry about maintaining my rental or finding tenants as the company takes care of that for me. Her advice on rental properties was very beneficial as this was my first rental property. Any time I needed assistance or had questions, she replied right away. The deal got done quickly and efficiently. Thanks for the great contact and all your advice. Jason in Kanata

    - Jason,
    The Wilson Team Google Review
  • Kelly and Laurie Wilson simply provide exceptional service time and time again. Unlike other Mortgage Brokers that I have dealt with in the past who only want to deal with simple transactions for the quick closures, these super women will through perseverance facilitate their clients to get them what they desire.

    They go above and beyond the call of duty to get the client into their home. If it wasn’t because of their diligence I would not be able to own 2 homes simultaneously. I would highly recommend these ladies as they are ready and willing to work hard for their clients’ needs.

    - Client,
    The Wilson Team Google Review
  • Stuck with no where to turn the Wilson team came to our rescue! They were efficient, professional and relentless in finding me the best option. I can’t thank Kelly for her hard work in saving our house that we worked so hard to get. I can’t express enough gratitude to them for all the work they have done for me and my family. You won’t make the wrong decision choosing the Wilson Team!

    - Client,
    The Wilson Team Google Review
  • Simply put, there's no one better! We've gone through 4 mortgages with Kelly Wilson and wouldn't consider going anywhere else. She was amazing in helping us through our very first mortgage so many years ago. When no other bank or broker would give us a chance, Kelly went way above and beyond in securing our first mortgage. She really went out on a limb for us. She made a daunting, stressful application, simple; and she does everything with good humour!

    - Client,
    The Wilson Team Google Review
  • We have had a 10 year relationship with Laurie; if it was not for her we would not have been able to purchase our first home. Laurie made our first home buying experience easier then we could have ever imagined. She was able to answer all our questions and make us feel very comfortable, with the largest personal purchase one could make. We have done numerous deals since that first one and each one was better than the first. As Laurie made us feel comfortable and confident immediately with her knowledge, professionalism and responsiveness with respect to a rental property investment she was able to finance for us. I highly recommend Laurie and hope to have many more years of investing with her…

    - Client,
    The Wilson Team Google Review
  • Kelly got me the best rate for my first mortgage approval 7 years ago. I was so impressed by her quality of work and her speed. She recently got me the best rate for my second mortgage. Her amazing network has helped me to get an amazing real estate agent who sold my condo in two days. She always takes an extra step to give the best to her clients.

    - Client,
    The Wilson Team Google Review
  • Working with Kelly and Laurie Wilson at the Wilson Team is always a pleasure. I send all of our clients to them because they are informed and up to date with the ever changing market. And EVERY client is always so pleased with their service that they can't help but recommend the Wilson Team to their friends, family and neighbours!

    - Client,
    The Wilson Team Google Review
  • Kelly and Laurie Wilson provide quick and reliable service. They treat each customer as though they are the highest priority. We have used them several times and have also recommended them to our friends. Not only do they provide amazing service to their clients, they are also actively involved with the community by supporting different charities and organizations.

    - Client,
    The Wilson Team Google Review
  • Kelly made me feel comfortable and confident immediately with her knowledge, professionalism and responsiveness with respect to a rental property investment. I would definitely use her services again in the future as well as recommend her to friends and colleagues in need of a mortgage.......Andrew in Nepean.

    - Client,
    The Wilson Team Google Review
  • The Wilson Team helped my wife and I to obtain a mortgage at a fantastic rate, and provided us with the information and guidance we needed to make the process smooth and easy. For those seeking a new mortgage I would highly recommend their services.

    - Andrew,
    The Wilson Team Google Review
  • Everything about my interaction with Kelly and her team was professional, courteous, and hassle-free. I highly recommend the Wilson team to anyone looking for help with their mortgage and look forward to working with them again.

    - Client,
    The Wilson Team Google Review
  • Love all the great work and support The Wilson Team gives our clients. The Wilson Team know their products, rates and what suits the individual needs of our clients every time!

    - Client,
    The Wilson Team Google Review
  • Kelly and Laurie always give 100% to my clients. I know when my clients get a mortgage from them, they will get the BEST financing for their needs!

    - Client,
    The Wilson Team Google Review
  • I honestly can't say enough about this team. Any questions or concerns I had about the mortgage process or the financial conditions the buyer put on our house were answered immediately. Our sale was private (Grapevine) so I was expecting to have to do a lot of research and paperwork ourselves. But Kelly always made sure I didn't get stressed out about anything. It was such a relief to be able to sit back and feel COMPLETELY confident that they were handling everything. I've been going to the Wilson Team for my mortgages for almost 10 years now and every time I shop around in advance, but I always come back to them. Bottom line is they offer the lowest rates with the greatest customer service.

    - Client,
    The Wilson Team Google Review
  • I have personally used the services of the Wilson Team twice, and I now send my clients to the Wilson Team. Their service is prompt, professional and reliable. I am confident when my clients go to the Wilson Team they'll be in good hands.

    - Client,
    The Wilson Team Google Review
  • Your team has done a formidable job, very timely too and it isimportant to spread the good work.

    - Client,
    The Wilson Team Google Review
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Hypothèques inversées (CHIP)

Lorsque vous avez atteint le jeune âge de 55 ans, il existe de nombreuses options disponibles pour le financement de votre maison. Cela étant, accéder à l'équité que votre maison a accumulée...

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Gardez votre cadeau d'acompte sécurisé

Aaron Smith a une conversation difficile avec sa future femme ...

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L’achat d’une maison

Vous avez décidé d’acheter une maison. Avant d’entreprendre vos recherches, assurez-vous d’avoir une bonne compréhension de vos nombreuses options de financement.

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Vous êtes acheteur d’une première maison?

Vous voulez acheter une maison ou vous êtes acheteur d’une première maison?
Vous avez décidé d’acheter une maison. Avant de visiter des propriétés, l’équipe Wilson, experte en hypothèque,

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La consolidation de dettes – Refinancement

La consolidation de dettes devient nettement avantageuse pour le consommateur actuel. Avec les taux de refinancement hypothécaire actuels à un bas niveau record, de plus en plus

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Renouveler votre hypothèque

Pensez à votre renouvellement hypothécaire comme une occasion non seulement pour obtenir un taux d'intérêt hypothécaire concurrentiel, mais aussi pour obtenir un produit hypothécaire

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Travailleur autonome

Ce produit est conçu pour les emprunteurs avec un bon dossier de crédit qui date d’au moins 2 ans. Les emprunteurs admissibles ont typiquement une petite entreprise

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Votre dossier de crédit

La plupart des gens ne réalisent pas l’importance de maintenir une bonne cote de crédit. Ils ne comprennent pas non plus ce qui est nécessaire pour en obtenir une.

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  • Termes
  • Taux affichés
  • Taux du jour
  • Taux variable
  • 2.70%
  • 1.80%
  • 1 an
  • 2.99%
  • 2.29%
  • 2 ans
  • 2.84%
  • 2.34%
  • 3 ans
  • 3.39%
  • 2.39%
  • 4 ans
  • 3.89%
  • 2.69%
  • 5 ans
  • 4.64%
  • 2.29%
  • 7 ans
  • 3.39%
  • 3.19%
  • 10 ans
  • 6.10%
  • 3.79%

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Kelly Wilson
Kelly Wilson - The Wilson Team
Because of their continuing commitment we enjoy the freedoms we have today.
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