Author | Lightnews

Chris Cerar @chriscerar.bsky.social · Sep 30

Hi everyone, thanks for your nomination for the 2025 Reader's Choice Award. It's time to vote, and I'd love to make it 5-in-a-row - if you have a moment. Vote early and often! Thanks!

zurl.co/BxsL3

Mississauga Readers' Choice 2025 Voting

Polls are open and we want YOUR Votes in the Mississauga Readers' Choice.

zurl.co

Chris Cerar @chriscerar.bsky.social · Sep 17

As expected, the Bank of Canada dropped their overnight rate to 2.50% this morning. Bank Prime is expected to drop from 4.95% to 4.70%.

Chris Cerar @chriscerar.bsky.social · Aug 11

I'm really excited today to have received my 100th Google Review! Many thanks to my awesome clients who took them time to share their experience!

Chris Cerar @chriscerar.bsky.social · Jul 30

As expected, the Bank of Canada announced this morning that they are holding the overnight rate at 2.75% which means bank prime holds steady at 4.95%. We seem to be approaching the end of the rate cuts, with most economists suggesting that there won't be much more, if any.

Chris Cerar @chriscerar.bsky.social · Jul 29

It's that time of year again, and I'm back to ask you to vote for me for the 2025 Reader's Choice Awards. I've been fortunate to win for the last 4 years in a row, and I'd love to make it 5.

Your vote means a lot, so if you can spare a moment, it would be greatly appreciated.

zurl.co/Ujm0B

Mississauga Readers Choice 2025 Nominations

Polls are open and we want YOUR Nominations in the Mississauga Readers' Choice.

zurl.co

Chris Cerar @chriscerar.bsky.social · Jul 9

Thinking about a rental property? We’ll help you get pre-approved and find the right mortgage to match your goals. Start smart. Let’s talk.

#INdiMortgage #SmartInvesting #RentalProperty #MortgageHelp

Chris Cerar @chriscerar.bsky.social · Jul 5

Pre-approval isn’t final approval.
Lenders need to approve you and the property.
🏠 Buying? Include a financing condition.
🏡 Refinancing? Appraisal still required.
We’ll guide you through it.

#MortgageTips #HomeBuying #Refinance #INDIinsights

Chris Cerar @chriscerar.bsky.social · Jul 4

Today is a big day for me and the whole team at King Mortgages. After a lot of thought, discussion and research, we've joined Indi Mortgages, a rising star in the mortgage broker landscape. We're thrilled to start this new journey together. Big things to come...

Chris Cerar @chriscerar.bsky.social · Jul 4

Today is a big day for me and the whole team at King Mortgages. After a lot of thought, discussion and research, we've joined Indi Mortgages, a rising star in the mortgage broker landscape. We're thrilled to start this new journey together. Big things to come...

Chris Cerar @chriscerar.bsky.social · Jun 26

Here's another Google review that I received today... Number 98!!!

I'm thinking I should run a contest to celebrate my 100th review if and when I get there. Any ideas?

Chris Cerar @chriscerar.bsky.social · Jun 19

I love Google Reviews! I'm really fortunate to have such great clients who are willing to share their experiences. Here's the latest...

#MortgageBroker
#MortgageSpecialist
#HomeOwnership
#PropertyFinance
#RealEstateFinance
#MortgageLending
#HomeBuyers
#MortgageBroker
#MortgageAgent

Chris Cerar @chriscerar.bsky.social · May 31

15. Borrowers can review the loan agreement or contact the lender directly to determine if a loan offers prepayment privileges and to understand the specific terms and conditions.

Chris Cerar @chriscerar.bsky.social · May 29

It may not be possible to add prepayment privileges to an existing loan after obtaining it. However, borrowers can inquire about prepayment options when obtaining a new loan.

Chris Cerar @chriscerar.bsky.social · May 28

I love Google Reviews! I'm really fortunate to have such great clients who are willing to share their experiences. Here's the latest...

#MortgageBroker
#MortgageSpecialist
#HomeOwnership
#PropertyFinance
#RealEstateFinance
#MortgageLending
#HomeBuyers
#MortgageBroker
#MortgageAgent

Chris Cerar @chriscerar.bsky.social · May 27

Love home shows but hate the crowds? Join me and other experts at Century 21 Millennium in Orangeville for some great tips and treats. May 31st 10am - noon. Don’t miss it!

Chris Cerar @chriscerar.bsky.social · May 27

No, utilizing prepayment privileges to make extra payments on your loan typically does not directly affect your credit score.

Chris Cerar @chriscerar.bsky.social · May 26

Yes, making extra payments towards your loan principal through prepayment privileges can help you save money on interest by reducing the outstanding balance and shortening the loan term.

Chris Cerar @chriscerar.bsky.social · May 23

In some cases, prepayment privileges may be negotiable when obtaining a mortgage. You can discuss your preferences with a mortgage professional, who will negotiate with lenders and may be able to secure more favorable terms.

Chris Cerar @chriscerar.bsky.social · May 20

Love home shows but hate the crowds? Join me and other experts at Century 21 Millennium in Orangeville for some great tips and treats. May 31st 10am - noon. Don’t miss it!

Chris Cerar @chriscerar.bsky.social · May 20

Yes, with prepayment privileges, you can typically pay off your loan in full before the scheduled due date without incurring penalties as long as you are within the terms of your prepayment privileges.

Chris Cerar @chriscerar.bsky.social · May 17

Some mortgages may have restrictions on when prepayments can be made or may limit the frequency or amount of extra payments allowed within a certain time period.

Chris Cerar @chriscerar.bsky.social · May 15

Prepayment privileges can benefit you by allowing you to save on interest costs, pay off the loan faster, and potentially improve your financial flexibility.

Chris Cerar @chriscerar.bsky.social · May 13

Love home shows but hate the crowds? Join me and other experts at Century 21 Millennium in Orangeville for some great tips and treats. May 31st 10am - noon. Don’t miss it!

Chris Cerar @chriscerar.bsky.social · May 13

No, not all mortgages come with prepayment privileges. Whether a mortgage offers prepayment privileges depends on the lender and the terms of the mortgage agreement.

Chris Cerar @chriscerar.bsky.social · May 11

Some Mortgages may have prepayment penalties, which are fees charged for paying off the loan early. However, loans with prepayment privileges often have no penalties for prepaying within a certain limit.