BELOW ARE SOME OF MANY TESTIMONIALS FROM MY PAST CLIENTS
Francis & Ray, Ontario
Ray & I would like to thank you very much for helping us with our debt consolidation. We have saved at least $2000.00 a month. The process was quite easy, and you were extremely helpful and pleasant. You went out of your way to help us and we appreciate the professional way you handled everything.
Jacqueline Micallef, Mississauga, Ontario
Joe made our lives so much easier by saving us $1,300 per month. It was the quickest and easiest thing I've ever had to do. Joe was quick and extremely efficient. He handled everything that needed to be done. I would recommend Joe to anyone. His professional and courteous attitude is a pleasant bonus.
Colette Clark, Lansdowne, Ontario
We were very happy with the service from Joe. We did find it to be very professional, courteous and fast. We spoke to two other brokers, and decided to deal with Joe for exactly that reason, that he sounded the most professional and courteous. Other brokers made us feel almost embarrassed about our situation and tried to pressure us by making us feel that we were desperate to go along with their deal, but Joe did not make us feel that way at all. He was not judgmental and didn't pressure us. He was a very nice person to talk to on the phone, not a fast-talking salesman. I was most impressed right from the start, when I logged on to the website. All the information that anyone could possibly need to know about debt consolidation was there. I could tell just from that, that this company was extremely knowledgeable and going to be very helpful. We are saving about $1000 per month from credit card payments, so that is a big load off our shoulders.
Kathy and Keith Baldry, Ontario
We are very happy with the service. I first emailed you after finding and reading about your services on the web site. You replied right away and within a couple of days our dreams were answered. You know we had that R9 on our credit rating and was happy that you heard our side of the story. We are hardworking honest people that just desperately needed a second chance and we are very grateful you went to bat for us and gave us that. All of our bills are now consolidated to one monthly payment and we are saving approximately $800.00 per month. Again, thank you for your prompt attention to our request (we were getting very desperate) and we would be very happy to forward any business your way.
Yvon & Joanne, Ontario
Joanne and I would like to say Thank You for all the help you have given us. Thanks to your professionalism and dedication we were able to consolidate our debts and save $500 a month. We did not think this was possible had we not found your services on the net. It was a great relief to find such courteous and professional help. We are now in the process of reducing our debts at an unbelievable pace. Thanks to your helpful advice and service we are feeling the relief of stress on our daily and monthly living and still know that we are heading in the right direction with the goal of eliminating our debts. Twenty times Thank You would not be enough to say how you have changed our future. We will be recommending your services to anyone in need as we have found in the past good help is hard to find in these financial matters.
Debbra Burns, Ontario
Thank you for your quick and easy solution to our financial problems. Things will now be a lot easier to handle around here. You have freed up about $500 a month which will make paying the bills a breeze. Thank you again for your help, again.
I was very leery about applying for a consolidation loan over the internet, but I was in some financial trouble and needed a way out. Well Joe Malek found me a way out. After giving my information to him Joe said, 'Leave it with me and see what I can do' I thought to myself here we go again another refusal. You see I have been turned down by 3 major banks and even some loan companies. Joe called me back in a couple of days and had something for me. He was able to save me about $456.00 a month and in my position, that's a lot of money. I would like to thank Joe Malek for all his work (all I did was answer questions which made the process easy) and I would definitely recommend to anyone I know who is having money problems.
Joe, thank you so much for helping me and my husband with our debt reduction plan. My monthly payments went down by $1400.00! I can finally breathe again, I no longer feel I am drowning in debt. I have just finished my Christmas Shopping and Thanks to you I was able to pay for it all in CASH! It only took 2 short weeks from the time I decided hmmmmmmmmm I have to do something or else I will go bankrupt till the WOW we are HOMEFREE. You made the process so simple and gave me all the options, your website is extremely informative! Joe, you never ever made me feel silly for racking up so much debt! I would recommend Joe to any and all of my friends. It has truly been a pleasure.
I found your web-site excellent. Information was obtained easily, promptly and with professionalism. My husband and I are very pleased with the service we received from you and thank you once again for your courteous and professional service. We look forward to dealing with you again in the future. Brenda and Rod - Barrie, Ontario
Hello Joe, just wanted to thank you very much for your help with our mortgage. It was a bit of a trying time for us not knowing whether or not if we were approved, but, with your hard work and perservation, you made it reality for us. Just wanted to take this time to tell the skeptics out there, that your site really does work! Thanks so much for helping us. Mr. Bennett, Hastings, Ontario
Ray & I would like to thank you very much for helping us with our debt consolidation. We refinanced our mortgage and did a debt consolidation as well. We have saved at least $2000.00 a month . The process was quite easy and you were extremely helpful and pleasant. You went out of your way to help us and we appreciate the professional way you handled everything. There was no prejudging or criticism because of our position. We had approached the banks for help but found them very cold and not helpful at all. Even through some difficulties concerning the Fax machine, and Tax return forms , you were able to help us over these small obstacles. I would recommend your services to anyone who needs advice and help with any financial difficulties. We are very happy and now do not have the pressures financially that we had a few months ago. We can breathe a little easier and plan our finances a lot better. The stress has eased. The process was very easy and straight forward and we were pleased that we had access to the internet. I think your service is especially helpful to those people who are self-employed. Thank you again and may God bless you as you continue in a professional manner to help others. Frances & Ray
I was expecting my mortgage refinancing to be a chore, yet Joe took care of everything and made the entire process comfortable and easy. It was all done so quickly and with little bother to me. Joe guided me through the process step by step and worked with me via email and phone and, in a short time, it was done. The refinancing has provided me with the opportunity to more effectively manage my finances in both the short and long term, and Joe’s guidance throughout played a key role in the smoother, happier financial picture which I enjoy today. Many thanks, Joe. It was great working with you. I will definitely recommend you to anyone I know who needs your services. H. Stevenson, Ottawa, Ontario
I wanted to take this opportunity to thank you for your great service in arranging my recent mortgage renewal. Your attention to detail, and the speed at which you operate your service, is admirable and greatly appreciated. You can rest assured that you will be highly recommended to all those who ask for my mortgage recommendations. Gary Mix, Ontario
As a self employed couple, we were unfamiliar with the entire process of refinancing our mortgage, to say the least. Joe not only secured a better rate than we had, but also patiently and in detail guided us through each step of the way. Joe Malek is extremely knowledgable mortgage professional, and worked hard 24/7 from application submission to successful closing. Working with a mortgage expert like Joe greatly reduces the stress that comes along with the mortgage refinancing and we were more than satisfied with the service. Marcela and Vojta Zubek, Burlington, Ontario
Hi Joe, Lori was here, and everything went as planned. I would like to say thank-you so much for everything you have done for me and my family. Joe, I will be in contact with you in about 20 months to see if you can put this 2nd mortgage into our 1st. Again, thanks so much! You were really great to our family!!! Talk to you again in a couple of years!! Nicole and Terry Harris, Innisfil, Ontario
Dear Joe, we cannot thank you enough for your assistance in getting our debts consolidated and our mortgage refinanced. Your professionalism was outstanding! You had all the information at your fingertips and we just had to fill in the blanks. We felt that you worked so hard on our behalf and we came to rely fully on your expertise. I have recommended you to my friends and will continue to do so. The Hutchinson’s, Ottawa, Ontario
Hi Joe, Thank you Joe!! You professionally handle our request very quick and clearly explain all our questions. Once again, thank very much. We really appreciate your help during the time we are in need. We definitely recommend you to our family and friends. Cesar & Leonida, Ajax, Ontario
Hi Joe, this is a quick note to congratulate you on another job well done! It isn't very often in this day and age anyone goes out of their way to provide services the way you do fast, reliable, trust worthy. As always, I would recommend you to anyone needing financial assistance. Bill Berrill, Ontario
Hi Joe, once again we really appreciated your fast and professional way of handling our mortgage. The process was so painless, and we don't even need to take time off to meet with the bankers, it couldn't be easier. It is a pleasure working with you, giving us the best possible option and getting us, the lowest possible rates would save us $$ along the way. I wouldn't have second thoughts in recommending you to my family and friends. Thanks again for your help! Leonor and Erdelino Del Rosario, Scarborough, Ontario
Joe, Thanks so much for all your help arranging our mortgage. You were so quick at replying and answered all my questions. It was truly a pleasure dealing with you!!! Thanks again! Marg McLeod, Hamilton, Ontario
Hi Joe, thank you very much, I am not that good in writing thank you notes, but I really, really appreciate everything that you did for us!!! I’ll make sure to give you a call after 5 years and definitely I will give your name to my family and friends. Leonida Magana, Ajax, Ontario
I contacted Joe Malek for a self-employed mortgage and refinance, and found that he was thorough, diligent, and worked as quickly as he could to get us the solution we needed to purchase our rent-to-own home and get out from under our credit card debt. It was a tall order, given the circumstances, and there were some bumps on the road, but Joe got a job done for us that we did not know how to get done ourselves, and we appreciate his attention to our individual needs. Now in a rough economy we can breathe easier with lower payments, free of consumer debt, and get our home renovated. Amanda Godin & Troy Lussier, Peterborough, Ontario
I can't thank you enough for securing what must have been one of the most difficult mortgages to negotiate. For a few months now, I've been holding off calling on you as I thought I would just try to survive until our mortgage becomes due in a few months - I was pretty sure that I can manage the bills (borrow from one card to another, after all I have a lot of low interest rate credit cards!) and thereby avoid paying mortgage penalty and potentially lower interest rates. But then it came to the point when it was just all too much to handle. Now I feel so much better knowing that the next paycheck will come, and I will have money left over in the bank. Again, thank you for all your help and feel free to use me as a reference, although I'm sure all your clients offer to vouch for you! Elizabeth D.O., Scarborough, Ontario
Hi Joe, everything happened on schedule Aug. 26th as planned - thanks very much for all your work. I'm very pleased with how everything went and will certainly recommend your expertise and services to anyone I know who's looking for a mortgage or is refinancing! Andrew Haig, Ottawa, Ontario
Thank you, Joe, I want to take this opportunity to say thank you for all you have done. I truly appreciate your professionalism with a human touch. You are a light when things seemed so dark... My deepest appreciation! Susan F. Burlington, Ontario
Hi Joe, just a note to thank you for all your assistance with this latest deal. It is a pleasure to do business with a TRUE professional!! Thanks. Bill & Marie Berrill, Port Hope , Ontario
Hi Joe. I'd just like to thank you for the fabulous services you provide. This is the second time around as you brokered for us on our last refinance 3 years ago, and now that we're buying a new home I called on you again for a new mortgage. I have to say you are quick to respond and processed our mortgage application in a very expedient manner, and got us an approval in a matter of a couple of days. You did your best to accommodate all our requests and of course there are sometimes bobbles and unexpected details to be looked after, all of which you approached with due diligence. And, not to mention, the on-line process (from start to finish) is just soooo convenient. To think, no office visits. And we got a good mortgage at a very good rate. Thanks again and I'd certainly recommend you to my friends and family. Yours truly, Lovene McCalla-Lewis, Oshawa (a.k.a. 'Happy Customer')
Hi Joe, I wanted to drop you a short message to say, 'Thank you' for your assistance again with my mortgage renewal process. I know you are a busy man but wanted to take a moment of your time to let you know that I appreciated your sincere approach to my specific situation and any concerns I had related to my mortgage. My mortgage renewal was completed successfully with a minimum of difficulty thanks to your efforts and assistance. I will be contacting you again for my next renewal. I wish you and your family a safe and enjoyable holiday weekend. Tim S. Lyndhurst, Ontario
Hi Joe, I would like to express my sincere gratitude for your assistance in getting our refinancing in a difficult situation and at a very good rate too! We closed yesterday, and I really don't think we could have done this without your knowledge and expertise. THANK YOU! Terry Wastesicoot, Ajax, Ontario
Joe Malek was amazing and went way beyond our expectations. They were great from start to finish and really helped us out. Thank you! Dennis Family, Courtice, Ontario
Being self-employed, we got turned down by all major lenders in our area for no income verification mortgage. Then we found Joe Malek and decided to fill out online home purchase application. We were pleasantly surprised to get a call the very next day that we were pre-approved. In less than 3 days our application for a mortgage was fully approved and we were able to move on to the next things on our to-do list. Thank you, Joe for your fast service! Vojtech Zubek and Marcela Zubek, Oakville, Ontario
Thank you so much. I really appreciate the speedy service you and your staff have provided for me this time and in the past. It is great to deal with people who know what they are doing! Diane Blake, Stoney Creek, Ontario
Hi Joe, Thanks for the great advice and the awesome book. I have managed to dive into it a little bit and look forward to reading the rest. Myself and Tom were very pleased with you and your help. I would recommend your office and you to anyone. Thank you very much... The Dykstra's, Ilderton, Ontario
Joe, my wife and I very much appreciate the work you have done on our behalf. We have ended up with a mortgage on favorable terms and well positioned to improve that in near future thanks to your advice. My comfort level in dealing with you was established during our first discussion, in which you made sure I was clearly aware of all the costs involved in each of the alternatives we discussed. There have been no hidden fees or last-minute surprises. We wanted to complete this mortgage arrangement in an unusually short time, and your cooperation in prompt responses and negotiating the same from the lenders was greatly appreciated. We look forward to continuing to work with you, and we will certainly recommend your services to others. Sincerely... John Sigurjonsson, Chatham, Ontario
Good Morning Joe, has been a month since I received the 2nd mortgage with all your help and I am very very grateful. I am now able to get back with doing my job without so much worrying and sleep much better at night. The way you were able to approve me right away made me feel as though that even though I messed up in the first place, I had help, you and your team there to help. I have started to read the book you sent to me and I have found it fascinating and in the future, I am going to find out a way to apply it to my own life. I have always been able to claim my mortgage but not as good as the book has shown. Once again thank you for all the help I have received from you and your team. Dale Ewart, Aurora, Ontario
Dear Joe, we would like to take this opportunity to gratefully thank you for doing an excellent job on getting the lowest possible rate on our mortgage. At first, we were a bit hesitant on dealing with a complete stranger over the internet, especially when it involved a major investment like our home, but after talking to you over the phone and conversing through e-mails, it was apparent that you are a very knowledgeable individual when it comes to financing. Not only did you lower our rate and reduce our amortization period, but you managed to put an additional $950.00 in our pockets monthly by trimming our expenses from the recommendation you proposed to us. This has taken a huge burden off our backs and we are not only finally starting to save money for once, but we are also using some of that extra cash to enjoy life more, like dinner, trips with the family and my wife's favorite, shopping. Again, THANK YOU, and look forward to continuing receiving your news updates which are always very informative. Sincerely... Guy and Gerri Gizzo, Maple, Ontario
Hi Joe, Thank you very much for all your help. We really appreciate your promptness and your great knowledge. You have made this process a great ease and pleasure. Thank you. Cheryl and Robert McLachlan, Oshava, Ontario
Hi Joe, I would definitely recommend you to friends and relatives. The whole process was relatively painless and very quick. From the time I received your first response until the time the closing papers were sent to the lawyers was less than 1 week. I was very impressed with your efficiency and professionalism. The mortgage you were able to obtain for us was very competitive and we are now in a position that we can move forward with plans for the future. Even though our mortgage amount has increased our mortgage payments have decreased and we are now able to save money. We can now put aside $400.00 a month to help bring down our mortgage faster. Thank you again for all your assistance and your referrals. Your newsletters are very informative, and I have already forwarded the information to others. Ingrid Clarke-Pitt, Mississauga, Ontario
I just wanted to thank-you again for all your help. This is going to make a huge difference for us financially, just the interest alone we were paying out. We feel such a relief that this is all in one mortgage and at such a low rate. I will definitely recommend your company to anyone looking for mortgage advice. Again, thanks very much! Debbie and Raymond Jack - Barrie, Ontario
Our experience was exceptional. We thought that we had run out of options in terms of trying to combine our payments into one, but Joe and his team came through for us. They were all so wonderful and very helpful. We have less stress and payments to worry about. The whole process did not take long, and they kept us informed throughout the whole goings on. Once again, a big thank you to you and your assistants for all your hard work, and we would definitely recommend you to anyone in a similar situation as ours. The Corneilse's - Cambridge, Ontario
Thanks, very much for your and for all the hard work. I and Rodney are very grateful more than I can tell you. You made my dream come true and I am so thankful to your company. After having owned my own home in the past and then losing everything due to the separation of my marriage through no fault of my own there is nothing that made me and my kids happier than being able to say we have our home again, we made it through all the struggles and we turned ok just fine. We will keep in touch and let you know how things are going, one thing is for sure we are very, very happy to own our own home there is nothing I wanted more. I wish you a lot of success in your company and I am thankful for people like you who can make the impossible possible. I will recommend you to everyone I know. Take care, and best of luck in the future for you! Sandy and Rodney - Whitby, Ontario
It was fast easy and painless. The banks are a pain in the having to jump through hoops when you are more than qualified. The service was spectacular. Bill & Kathy Hopper - Oshawa, Ontario
Joe Malek was great in helping me find a mortgage. I had shaky credit due to layoffs and a break-up which left me financially strapped. The thought of renting after being a homeowner for 7 years was causing me to lose sleep at night! Thanks to Joe Malek, I own a home again and I sleep a lot better at night. Thanks Joe! (my children thank you too!) Michelle Kamermans - Port Burwell, Ontario
Joe took a lot of pressure of my wife Pat an myself at the time of our retirement when we had no options he found us a perfect one. He was fantastic and a great person to deal with. Thanks Joe for making our retirement easier on us! Raymond Bennett - London, Ontario
Joe and all his assistants were always very helpful and polite. Answering any questions, I had promptly and efficiently. My whole experience was a wonderful one. After dealing with banks that treated me as a number not a client it was refreshing to be treated with respect and understanding. Thanks again Joe! Susan Langstone - Newmarket, Ontario
I wanted to thank you for all your assistance in helping us get out of our financial difficulties. I think we can finally see a light at the end of the tunnel. You don't know how much this has lifted the stress we've been dealing with the last couple of years. We are forever grateful to you. I will definitely recommend you to whomever is looking for someone to help them with their mortgages. Duane Wagenknecht, Kitchener, Ontario
I'd like to thank you for your professionalism and excellent communication. It made this application a breeze. Mark Danko, St. Catharines, Ontario
Just when I thought I had run out of option of getting back on track financially, the internet was my last resort, and in my search, came upon the website of Joe Malek, and I was certainly happy that I did. Mr. Malek was very courteous and helpful. Each and every phone call, and or email he placed to provide me with the next step that I required to set me on the path of recovery from financial distress. And let me tell you, financial distress is not a pleasant place to be in for any period of time. Cheryl BM - Owen Sound, Ontario
My wife and I have owned our own home for 7 and a half years. We had been fortunate in that through hard work and cutting corners we were able to have our home increase in value by at least 35% and we only owed 66% in a first mortgage. However, during this time we had allowed our credit card debt and a bank loan for daughter's education, car and home fixups to climb. I also noticed that the interest rate that we were paying was more than prime and advertised rates. I then went on the web to explore the possibilities of refinancing our mortgage which still had 2 and a half years to go. I knew there would be penalties but had no idea how much. I also wasn't sure about any other details that would have been needed to be taken care of. Anyway, I noticed Joe Malek's website and decided to fill out the questionnaire. Boy, was that one of my better life moves. Although I did have to pay some penalties for discharging my old loan, the significantly lower interest rate on my refinancing as well as increasing the amount of the mortgage paid off all our debts. As well with the lower interest rate, we were paying out less per month. In addition, I could change the amortization of the previous 25-year term to a new 20-year term. And still I was paying less per month. My wife who felt that she had to work to help pay off our debts, now was working because she wanted to and not because she had to. That decrease in stress alone was worth the work. Also, we are in need of another car and we will be purchasing one this summer. But I do have to mention that everything wasn't all roses. It did take determination to follow things through. Although Joe was on the ball and kept things moving, I had to stay on top of my real estate lawyer to keep things moving on my end! Would I recommend Joe to my friends and family? I already have. My father is retired, and my mother is working part-time, and they are renting. With the extra monthly funds, we have, we are thinking of co-signing a mortgage for them for a condo in a small town in Ontario. Another benefit would be that I don't have to figure out who to pay and when. I have one payment each month to pay for the new mortgage. Finally, the last point is that my bank would match the new mortgage rate I was going to get but they wanted to close ALL my credit accounts! I wasn't looking at bankruptcy or was in trouble paying my debts. It's just I wanted to 'restructure' my debt. Thanks to Joe Malek, I was able to do this AND keep my credit accounts open. Thank you to Joe Malek Daryl Dolny, Ontario
We recently refined our house through Joe. Because I recently became self-employed, I didn't meet the criteria for most mortgage companies (including the one I had been with for five years). Joe found a product that was perfect for us and the service was excellent. Very satisfied! Michael McFarlane, Toronto
Joe made our lives so much easier by saving us $1,300 per month. It was the quickest and easiest thing I've ever had to do to get the best mortgage rate possible and of course save ourselves money. Joe was quick and extremely efficient. He handled everything that needed to be done. I would recommend Joe to anyone. His professional and courteous attitude is a pleasant bonus. Jacqueline Micallef, Mississauga
We strongly believe that a BIG THANK YOU is never too late to say. Although it should have been done immediately after we have been impacted with the benefits of refinancing our mortgage, we still want to extend our gratitude for your BEYOND AVERAGE SERVICE. Not only that you have surprised us with the quantity and quality of the information offered on your web site, but you stand and act behind each and every written word. We would especially like to underline the effect that your detailed and user-friendly info package regarding the options related to refinancing a mortgage has on the ones like us - new immigrants. We were at the beginning, purchasing our first house, renovating it, bringing us into a very stressful and extremely sensitive experience. Being open to too many information, being willing to learn everything (but walking), we were prone to many errors. Mr. Malek during our collaboration you have helped us expressing more than a professional ethic, you gave a personal human dimension to the service that you have provided for us. Your complete service, web info as an introduction and your thorough knowledgeable guidance EXCEEDed our expectation (strongly believe others too). We really appreciate your time spent with us and the wealth of good advices and collateral services (appraisal service) that you have offered us. We will certainly, highly recommend your name and services. Please accept our compliments. Mirela and Miroslav Galic, Toronto
This was our first experience with a mortgage broker and I have to say that it will not be our last. A huge thank you to Joe Malek for assisting us with our recent mortgage transaction. Would I use your service again? Absolutely!! Frankly I can't imagine not using your service in the future. The process was extremely professional, conducted with dignity and at all times we felt that we were in the driver’s seat (with a great copilot). All of our questions were handled quickly, and we were kept updated throughout the process. The fact that we saved some money beyond what our own efforts yielded is an added bonus. We have told my friends and family (including parents) about the great work that you do and would have no hesitation to recommend your service to anyone. Thanks again and look forward to hearing from us when my mortgage comes up for renewal. Andre and Susan Allen, Bolton, Ontario
'We were very happy with the service from Joe. We did find it to be very professional, courteous and fast. We spoke to two other brokers, and decided to deal with Joe for exactly that reason, that he sounded the most professional and courteous. Other brokers made us feel almost embarrassed about our situation and tried to pressure us by making us feel that we were desperate to go along with their deal, but Joe did not make us feel that way at all. He was not judgmental and didn't pressure us. He was a very nice person to talk to on the phone, not a fast-talking salesman. I was most impressed right from the start, when I logged on to the website. All the information that anyone could possibly need to know about refinancing a mortgage and debt consolidation was there. I could tell just from that, that this company was extremely knowledgeable and going to be very helpful. I could tell you definitely had your act together if you have a web-site like this. Just learning how to obtain my own credit report and what it all means was a big bonus. By refinancing our mortgage, we are saving about $1000 per month from credit card payments, so that is a big load off our shoulders. The whole process was very easy, fast and efficient. Joe had an answer very quickly and then everything went very smoothly in a very organized manner. We really didn't have to do much to get the mortgage, compared to what you have to go through with banks on your own or even with other brokers. Most of all, I was very impressed that you could even get us the mortgage that we required, considering our situation. I really wasn't even expecting to get a positive response, so I was very amazed that it all happened the way it did. I would definitely recommend your services to family and friends, and will continue to do business with you as required for myself in the future. Very impressed with your complete business presentation and strategies overall! Thank you very much for everything! Colette Clark, Lansdowne, Ontario
We are very happy with the service. I first emailed you after finding and reading about your services on the web site. You replied right away and within a couple of days our dreams were answered. You know we had that R9 on our credit rating and was happy that you heard our side of the story. We are hardworking honest people that just desperately needed a second chance and we are very grateful you went to bat for us and gave us that. All of our bills are now consolidated to one monthly payment and we are saving approximately $800.00 per month. Again, thank you for your prompt attention to our request (we were getting very desperate) and we would be very happy to forward any business your way. Kathy and Keith Baldry, Ontario
Joanne and I would like to say Thank You for all the help you have given us. Thanks to your professionalism and dedication we were able to consolidate our debts and save $500 a month. We did not think this was possible had we not found your services on the net. It was a great relief to find such courteous and professional help. We are now in the process of reducing our debts at an unbelievable pace. Thanks to your helpful advice and service we are feeling the relief of stress on our daily and monthly living and still know that we are heading in the right direction with the goal of eliminating our debts. Twenty times Thank You would not be enough to say how you have changed our future. We will be recommending your services to anyone in need as we have found in the past good help is hard to find in these financial matters. Yvon & Joanne, Ontario
Thank you for your quick and easy solution to our financial problems. Things will now be a lot easier to handle around here. You have freed up about $500 a month which will make paying the bills a breeze. Thank you again for your help, again. Debbra Burns, Ontario
I was very leery about applying for a consolidation loan over the internet but I was in some financial trouble and needed a way out. Well Joe Malek found me a way out. After giving my information to him Joe said, 'Leave it with me and see what I can do' I thought to myself here we go again another refusal. You see I have been turned down by 3 major banks and even some loan companies. Joe called me back in a couple of days and had something for me. He was able to save me about $456.00 a month and in my position, that's a lot of money. I would like to thank Joe Malek for all his work (all I did was answer questions which made the process easy) and I would definitely recommend to anyone I know who is having money problems. Lewis, Ontario
Joe, thank you so much for helping me and my husband with our debt reduction plan. My monthly payments went down by $1400.00! I can finally breathe again, I no longer feel I am drowning in debt. I have just finished my Christmas Shopping and Thanks to you I was able to pay for it all in CASH! It only took 2 short weeks from the time I decided hmmmmmmmmm I have to do something or else I will go bankrupt till the WOW we are HOMEFREE. You made the process so simple and gave me all the options, your website is extremely informative! Joe, you never ever made me feel silly for racking up so much debt! I would recommend Joe to any and all of my friends. It has truly been a pleasure. Denyse, Ontario
Thank you very much. It was a pleasure doing business with you. The service was great the process was very easy, and we were very pleased with the outcome as we saved hundreds of dollars each month. David & Kelly Gale, Ontario
Thanks Joe!! You were awesome to work with and I appreciate how knowledgeable you were and the speed in which everything was done. Thanks again for all your help. Sherri McKenna, Ontario
My husband and I have appreciated your help! After being turned down by a major financial institution where we had received bad service; it was refreshing to have people that handled your cause with dignity. Often you get treated with disrespect and indignity and at refinancingtips.com we received quick, positive service. We found them to work a deal that was within our budget and it seemed to go so hassle free. Thank you again! Sandi Charbonneau, Ontario
We found your service to be very professional and most importantly helpful in obtaining for us a very favorable interest rate thereby reducing our monthly payments by about $800.00/month. The whole ordeal was quite painless, and I would definitely recommend your services to others and will do so when I can. Again, thank you very much for all your help. Mary Divitcoff, Ontario
My husband and I are very pleased with your services. It has brought our monthly payments down to almost half. I will certainly keep you in mind for anyone else needing the financial help in the future. Again, thank you for all you hard work. Diane Osborne - Flude, Ontario
I am highly pleased with your service. After refinancing my house, I have about $800 monthly in my pocket that would have gone to loan & credit card payments. You saved me time and hassle, it couldn't have been easier. Even though you're an internet based service, I found the process far more personal than dealing with my bank. Thank you so much, I've already recommended you to a co-worker. Vivian, Ontario
We found your website very helpful. Everything we needed to know was right there. We saved a lot of money. Our bills have been cut in half!!!! The process was so simple, on line, in my house and no appointments to try and book. My husband and I work opposite shifts, so it is very difficult to arrange meetings for both of us! That wasn't necessary with Joe! I will recommend you to everyone we know. Thanks for everything. J&C Campbell, Ontario
'Dave and I would like to thank you for all your help with our debts. I feel that we can get ahead now. You are very kind and give exceptional customer service as well you treated us with respect.... Thank you and have a Merry Christmas'. Tina and Dave Pilon, Ontario
'Just wanted to say it is I who should be thanking you for the Excellent service you provided me. Not only was your service very Professional, you made every step quite simple. I have already recommended you. Mervyn Parris, Ontario
'My husband and I were deep in debt, and having no luck with trying to refinance through our local Bank. Then I found your Web Site, which was very easy to read and understand. Application process was simple, and your response almost immediate. We were extremely pleased with the service you gave us - which was prompt and efficient. We would recommend your Refinancing Service to everyone! Thank you!' Clare Gardner-Durdle, Ontario
'We would like to thank you for helping us out. You provided very knowledgeable and prompt service in spite of our fax and printer not working properly. We figured out that with our new financing we are probably saving around $400.00 per month. Again, thank you Joe.' Deborah Stevens, Ontario
'I was browsing the net this summer and decided to look at mortgage options since our mortgage was to be renewed in November. I don't spend a lot of time on the net, but a friend encouraged me to investigate my options, so I did. I'm glad I did! I don't spend a lot of time shopping and never seem to have time to make changes, or compare options even if it could save me $$ I looked at a lot of sites and when I came to yours I was impressed. I think mostly because you spoke in plain English and didn't throw a lot of strange terms around-the examples were very clear and easy to follow. When I did speak to you I felt comfortable, listened to, and not judged. Every time we communicated you gave me the answers to all of my questions and things were clear and professional. I really felt you were working for me. Everything is now in place and it has worked out well. I'm happy with the work you did for me and have and will continue to recommend you to friends.' The Wakeford's, Ontario
'Dear Joe: Just dropping you a line to tell you how much we appreciate the 'no run-a-round' mortgage renewal. We would like to thank you for the fast and professional manner, in which we were treated and how easy it was to apply. We had checked several sites on the internet and found yours to be the most informative and we have no problem recommending your services to anyone. Thanks again. Nancy and Ray Keeso, Ontario
'I would like you to know that both Mary and I were very pleased with the service that you provided. Your web-site was informative and very easy to use. You were very sensitive to our needs and at no time did I feel uncomfortable dealing with you. It's never easy when trying to get your finances in order and some companies, I have found, seemed very insensitive towards us and our problems. Again, Joe, thanks for your help and I must emphasize that this transaction was handled professionally and courteously.' Tom & Mary Fields - Whitby, Ontario
'It was a sincere pleasure doing business with you. Your courtesy, and understanding of our situation, put us at ease and the ease of delivery of documents and the loan was great. As everyone is so busy, it was wonderful to be able to complete a lot of the information via Internet, fax or efax. Your service was great, and I would recommend you to anyone who needs help sorting out a financial situation. I will recommend you to all my friends and thank you for your time, kindness and patience. It was our pleasure.' Wanda Hoffman - Waterloo, Ontario
'Recently I needed to do some refinancing of my mortgage and my own bank would not help me, so I turned to the internet and found Joe Malek. He was professional and helped me consolidate everything into a first mortgage. His service was fast and efficient, and I would highly recommend him to help out with any financial arrangements that you require.' Tammy Robinson - Collingwood, Ontario
It remains to be seen whether or not I have made the right move but regardless, I needed to do something immediately and you people achieved that goal promptly, efficiently and effectively. I at least feel that I have some 'breathing room' now in order to make a substantial gain in straightening out my financial outlook. I sincerely hope I will not need your services again, but if I do, I'm sure I will get the same prompt and effective service and I would recommend to others who might be in a 'bind' to give you the opportunity to assist them in resolving their situation. You did a great job and once again I thank you! Dan Arbic and Wendy Beer - Brantford, Ontario
'Shopping for mortgage rates and services on the Internet was amazingly simple. Joe Malek responded to our query immediately. His service was very personal and polite. He worked hard to get us the best rate at our terms. He valued our business and proved it by seeing to every detail on a timely basis. Our mortgage has been in effect for several months now, and the lender has treated us very well. The lender contacted us by phone to explain our contract and answer our questions about property taxes and so forth. We are very happy with the whole transaction. We highly recommend Joe's services.' Karen Patron-Evans - Ingersoll, Ontario
'As the owner of a small business I went deeply into debt trying to get established. I was very desperate when I first found your website. I seemed to be drowning in debt and it seemed no one could offer any solutions. After I contacted you, I very quickly had a loan which consolidated my previous debts and included a line of credit to help me build up my business. Thanks to you, I can meet my monthly payments and have money left to develop my business. Thanks again for your help! Susan O'Reilly - Frankville, Ontario
'I was surfing on the internet looking for a way to consolidate my debt when I found Joe Malek's web site. I read about the different options that were available and then I submitted a form to Joe via e-mail. Joe called me back with an answer to my financial problems within a day. Joe found me the best interest rate for the money I needed, and I didn't have to contact any of the financial institutions myself. He even brought the paperwork to my house. I am so happy I found Joe's web site because it made a difficult situation easy. Thank you again Joe for everything. V. Henry - Forest, Ontario
'I found the service you offered to be EXCELLENT. It allowed me to obtain financing conveniently, on-line in my own home. My questions and application were dealt with promptly, and you helped me to pick the best product for my circumstances. You obtained more for me than I thought would be possible, and I have already passed your name and number along to several people.' Debra Purkiss - Brockville, Ontario
'Thank you very much for your help! It was great dealing with someone who understands the urgency of such cases as mine, and deals with his clients in a timely and caring manner - certainly a nice switch from the big bank treatment.' Peter Chaba - Mississauga, Ontario
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Your home is one of the largest assets that you may own, but did you know that you can unlock some of the equity in your home by refinancing your mortgage to help pay for these costs?
Here are 3 benefits to refinancing your mortgage before maturity:
Take advantage of low interest rates and save on interest costs. Because your mortgage is a secured loan, the interest rate will be lower than interest rates on your other loans, such as credit cards, car loans or line of credit.
You’ll pay less on interest, improve your cash flow and pay off your debt faster. You can also simplify your monthly expenses, consolidate your monthly charges into one easy to manage payment, so you spent less time managing your bills.
Improving your home may increase its value. Many Canadians have turned to the equity in their homes to finance renovations they have always wanted, increasing their family comfort and potentially boosting the value of their home.
When you choose to refinance your mortgage, I work with you to simplify the process and make sure you get the right mortgage solution to fit your lifestyle and financial goals.
Home renovations, credit card bills, car loans, your child’s university tuition, unexpected medical bills are the main reasons why you should consider refinancing your mortgage.
Your home is a valuable resource, it represents many opportunities that can help you to tackle your debt, simplify your money management and improve your comfort.
If you choose to refinance mortgage before the end of your term, then you will have to pay some fees to your current lending institution, but in many cases, it is better to pay the penalty especially when you need to consolidate bills and reduce your overall monthly payments.
Here is a look at one of my client’s situation before and after. He is self-employed and this was done without income verification under Stated income mortgage refinance program and there were NO LENDER or BROKER FEE!
If he could prove income, his monthly savings would be even greater, but still, saving $1,390.38 monthly is not bad at all, simply by saying to himself..."YES - I WILL TRY JOE MALEK's MORTGAGE SERVICES RIGHT NOW".
Today, instead of having 10 different payments, he has only one payment which is easier to manage and he reduced his monthly payments by 31%.
What whould you do with extra $1,390 each month? How about using some of this cash to pay down your mortgage faster or invest it to stocks, oil, silver or gold? Maybe you'll take a vacation or do some home improvements to increase your property value or invest it into your RRSP and use the tax refund to do the above...
Would that change your life?
Please see my past clients testimonials below and then complete the short call back form or better yet... complete the online application form to get started today!
Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay, and your principal balances. You can even determine the impact of any principal prepayments! Press the report button for a full amortization schedule, either by year or by month.
How much interest can you save by increasing your mortgage payment? This financial calculator helps you find out. View the report to see a complete amortization payment schedule, and how much you can save on your mortgage!
Determining which mortgage provides you with the best value involves more than simply comparing monthly payments. Use this calculator to sort through the monthly payments, fees and other costs associated with getting a mortgage. By comparing these important variables side by side, this calculator can help you pick the mortgage that works best for you. Click on the 'View Report' button to see the results in detail.
How much interest can you save if you refinance your mortgage? This calculator helps you find out! Enter the specifics about your current mortgage, along with new loan amortization, rate and closing costs. We will then determine how much interest refinancing can save you.
Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff. The process is simple; just apply a portion of your consolidated loan's monthly payment savings to the consolidated loan's balance. You can save hundreds, even thousands in interest and shave years off of your loan!
The first steps in buying a house are ensuring you can afford to pay at least 5% of the purchase price of the home as a down payment and determining your budget. This calculator steps you through the process of finding out how much you can borrow. Fill in the entry fields and click on the payment schedule button to see a complete amortization schedule of your mortgage payments. Today's Bank of Canada pre-qualification rate is 5.34%.
Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question. The first steps in buying a house are ensuring you can afford to place at least 5% of the purchase price of the home as a down payment and determining your budget. This calculator helps you weed through the fees, taxes and monthly payments to help you make a good financial decision.
THAT'S ALL IT'S TO IT... NO OFFICE VISITS, NO TIME CONSUMING APPOINTMENTS & NO INSTANT CREDIT CHECKS - JUST FAST SERVICE!