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@pineapplemortgage

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We're reimagining the future of mortgages for 🇨🇦 homebuyers. With a leading team of agents equipped w. the best tech! @empoweredbypineapple

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What a great evening at BATL with the Marksmen Team!
Many laughs were had and the trash talking non-stop.
Axe throwing is a lot of fun if you haven’t done it and hanging out with mortgage agents ain’t bad either.

Marksmen & Pineapple - To the Core!

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Income needed to buy a home in Richmond Hill: a $700,000 townhouse takes about $148,000 a year in household income.

That’s with the minimum down payment ($45,000) and a 30-year insured mortgage. Lenders test your payment at a higher stress-test rate, add property tax, heat and half the condo fee, and want the total under 39% of your gross income. Here that’s about $4,803 a month.

Car and card payments, a 25-year amortization or higher fees push the number up. Buying with your partner? Both incomes count, so $74,000 each gets you there. Self-employed, on commission or new to Canada? Your income is counted differently, and that’s where a second opinion helps.

Save this for when you start house hunting, and send it to your partner (or the friend who keeps saying “one day”).

Question for you: what price range are you and your partner looking at?

DM me INCOME with the price you’re eyeing and I’ll run your own math.

Follow @mortgageswithreza for GTA first-home math every week.

General information only. Example for illustration: TRREB’s September 2026 median condo townhouse price in Richmond Hill, minimum down payment, 4.20% mortgage insurance premium, a 6% stress-test rate, 0.76% property tax, $100 heat and a $400 condo fee. Subject to approved credit and mortgage insurer approval.

👇 Brokerage Details Below 👇
Pineapple Financial
Brokerage Lic: 12830
Reza Moosavi | Mortgage Agent Level 1
Agent Lic: M25002973
Subject to approved credit. Rates and terms are subject to change without notice.

#FirstTimeHomeBuyer #RichmondHill #OntarioRealEstate #StressTest #MortgageTips

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📆 Join us on Wednesday, October 21 from 9 AM to 10 AM at Kapolei Golf Club to hear from Sue Savio, President of Insurance Associates, discussing the following topics:

💵📈How Mortgage Rates & Fannie/Freddie Rules Affect Condo Owners, and Revealing the Impact of Maintenance Fees and Claims

🎃 THEME: IT’S HALLOWEEN! ENTER OUR COSTUME CONTEST! 🧛‍♀️

AGENDA ⏱️
8:30 AM - MUSIC BY WAYNE KIM
8:45 AM - BREAKFAST BUFFET OPENS
9:00 AM - MEETING STARTS
9:15 AM - FEATURED SPEAKER
9:50 AM - VENDOR PRIZES!
10:30 AM - 12:30 PM - VISIT JOINT BROKERS OPENS IN MILILANI!

COST:
• $20 PREREGISTERED MEMBERS & AFFILIATE MEMBERS
• $25 FOR WALK-INS & NON-MEMBERS AFFILIATES
• CASHLESS PAYMENTS ONLY - CHECK OR GREDIT CARD

Mahalo to all our sponsors! 🙏
Main - Old Republic
Coffee - Old Republic Exchange
Lei - Pineapple Mortgage

🔗 Link to register is in bio.

See you all soon!

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Land transfer tax Ontario: first-time buyers in Toronto pay it twice. In Vaughan, you pay it once.

On a $900,000 home, a first-time buyer in Vaughan pays about $10,475 in land transfer tax after the Ontario refund. The same home in Toronto comes to about $20,475, because Toronto adds its own municipal tax on top. Not a first-time buyer? It’s $14,475 vs $28,950.

And that’s before legal fees, title insurance, inspection and adjustments. Plan for 1.5% to 4% of the price in closing costs, in cash, on top of your down payment. You’ll hear about proposals to change Toronto’s tax; this math uses the rules in place today.

Save this for when you start comparing neighbourhoods, and send it to the friend deciding between a Toronto condo and a Vaughan townhouse.

Comment CLOSING and I’ll send you my closing-cost worksheet.

Follow @mortgageswithreza for GTA mortgage math every week.

General information only; figures use Ontario and City of Toronto rates as of October 2026, assume one buyer who qualifies for the full first-time buyer refunds, and exclude Toronto’s admin fee. Refunds subject to eligibility.

👇 Brokerage Details Below 👇
Pineapple Financial
Brokerage Lic: 12830
Reza Moosavi | Mortgage Agent Level 1
Agent Lic: M25002973
Subject to approved credit. Rates and terms are subject to change without notice.

#FirstTimeHomeBuyer #LandTransferTax #VaughanRealEstate #ClosingCosts #OntarioRealEstate

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Canadian banks are increasing fixed mortgage rates, and some borrowers could see increases of up to 0.4%.

What does this mean for you?

If you’re buying in the next few months, a higher fixed rate can affect your monthly payment, affordability, and overall purchase budget.

If you have a renewal coming up, it could mean a higher payment than what you’re used to, especially if you’re renewing from a much lower rate or from a mortgage you locked in five years ago.

The good news is that planning early with a trusted mortgage broker gives you access to more options. I can help you review your renewal options, compare different lenders, look at payment differences, or secure a rate hold for your future purchase before rates move further.

If you’re buying or renewing soon, send me a message. I’m always happy to review your situation with you.

Jenny Pham, Mortgage Agent Level 2
📞 647-904-1745 | ✉️ jennypham@gopineapple.com

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Canadian banks are increasing their fixed mortgage rates. If you’re looking to buy within the next 3 to 6 months, I can help you lock in a competitive rate for your future purchase.

If you’ve a renewal coming up, this is the time to contact your banks for renewal options. Payment differences vary; you might experience a payment shock. Don’t worry, I’m here to help you eliminate that risk.

Jenny Pham, Mortgage Agent Level 2
📞 647-904-1745 | ✉️ jennypham@gopineapple.com

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ATTENTION: ALBERTA MORTGAGE ASSOCIATES AND BROKERS!

Are you ready to make more room for growth?

Join Pineapple’s Kendall Marin and the Executive Team for a session of how to Elevate & Scale Your Business with Al & Tech. Explore practical ways to spend less time on admin, strengthen your pipeline and put Al to work in your business. Then stay for food, drinks and a chance to connect with fellow mortgage professionals.

BOOK YOUR FREE SPOT: https://Inkd.in/ehWw5z74
Eventbrite
• Coast Calgary Downtown Hotel & Suites by APA
17 Friday, October 16 | 12-2 PM
Free to attend
• Register now and save your seat: LINK in BIO
https://Inkd.in/ehWw5z74

#CalgaryMortgageProfessionals #MortgageAgents
#MortgageBrokers #Mortgagelndustry
#MortgageTechnology

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Is now actually the right time to buy in the GTA? 🏠 Dynamic interest rates and market shifts have buyers hesitant, but the right strategy changes everything.

Join us at Pineapple Head Office for a FREE, exclusive workshop where we unpack the numbers, cut through the noise, and give you actionable real estate strategies.

What we’re covering:
📊 GTA Market Shift (Then vs. Now)
💳 Credit Score Maintenance & Optimization
💰 Down Payment & Income Confirmation Strategies
📍 Where: Pineapple Head Office (#200 - 111 Gordon Baker Rd)
🗓️ When:
• Option 1: Sat, Oct 3 | 11:00 AM – 12:30 PM
• Option 2: Wed, Oct 7 | 7:00 PM – 8:30 PM
⚠️ Seats are strictly limited.
👇 Click the link in bio to register on Eventbrite now!
#GTARealEstate #TorontoRealEstate #HomeBuyingTips #FirstTimeHomeBuyer

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Two days at Mortgagefest, and we’re leaving feeling incredibly grateful. 🤍

It was such a great opportunity to reconnect with familiar faces, meet new people, and spend two days having meaningful conversations with people across the mortgage industry.

Some conversations opened the door to new opportunities, others simply reminded us how lucky we are to have such incredible people supporting Zubic Law and cheering us on along the way.

We truly appreciate every introduction, every conversation, every connection and every person who continues to trust us with their clients and their business.

Thank you, Mortgagefest, for two great days. We’re heading home with some new connections, some exciting conversations to continue, and a lot to look forward to.

Here’s to the relationships that make this industry so special and to what comes next. 🥂

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Calgary mortgage agents and brokers, let’s talk growth. 🍍
Join Kendall Marin and the Pineapple team for a free afternoon exploring how AI and technology can help you spend less time on admin and more time building your business. Expect practical ideas, great conversations, food, drinks and plenty of opportunities to network.
📅 October 16 | 12–2 PM
📍 Coast Calgary Downtown Hotel & Suites by APA
🎟️ Free to attend
Ready to elevate and scale? Register through the link in our bio.

#CalgaryMortgageProfessionals #MortgageAgents #MortgageBrokers #MortgageTechnology #CalgaryNetworking #PineappleFinancial

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Did You Know You Can Split Property Ownership By %'s And Have More Than Two Owners All With Different %'s? 👀

🤔 Where I've Seen This Before?

Sometimes A Parent Is Needed As A Co-Signer And Given 1% Ownership. In This Case, They Didn't Want A % So 1% Was The Lowest They Could Be Given. %'s Are Of Course Negotiable Between You And All Parties Involved 🤝

#torontomortgage#torontotech#torontoneighbourhoods#firsttimehomebuyer#ontariohousingmarket

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