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Mortgage Rates Updated Thursday, Decmeber 5, 2019
Rates Are Provided To Us By A Morgage Professional, And Are Subject To Change Without Notice. E & O E.
  •  
  •  
  •  
  •   Term                   Bank Rate         Payment/$100K    Available Rate       Payment/$100K           Savings                                  
    • 6 Months
    • 3.34 %
    • $490.86
    • 3.30 %
    • $488.77
    • $2.09
    • 1 Year
    • 3.59 %
    • $504.03
    • 3.04 %
    • $475.30
    • $28.73
    • 2 Years
    • 3.74 %
    • $512.02
    • 2.89 %
    • $467.62
    • $44.40
    • 3 Years
    • 3.89 %
    • $520.07
    • 2.89 %
    • $467.62
    • $52.45
    • 4 Years
    • 3.94 %
    • $522.77
    • 2.94 %
    • $470.17
    • $52.60
    • 5 Years
    • 5.34 %
    • $601.11
    • 2.69 %
    • $457.48
    • $143.63
    • 7 Years
    • 5.80 %
    • $627.97
    • 3.44 %
    • $496.11
    • $131.86
    • 10 Years
    • 6.10 %
    • $645.76
    • 3.70 %
    • $509.88
    • $135.88
December 5, 2019

CURRENT VARIABLE MORTGAGE RATE IS

2.95 %

December 5, 2019

CURRENT PRIME RATE IS

3.95 

 

            

Jeffrey Joseph, Broker

There Is No Substitute For Professional Experience, Unbridled Patience, And The Willingness To Spend Whatever Amount Of Time It Takes To Get The Best Possible Outcome For Our Client, Regardless Of The Hour.

We Can Provide Testament To This From Our Clients




If You Are Contemplating Selling, Or Purchasing,  Interview Us To See If We Are A Good Fit For You, 

See Our Testimonials On This Site

Text: 416-356-4667 Office: 416-782-7000 Toll Free: 1-844-782-7002
Email: jeffreyjoseph@realtor..com

Irene Joseph, Salesperson

Jeffrey And I Have Had Careers In Real Estate Together, For Many Years, And We Each Bring Something Different To The Table.  We May Even Recommend Not Selling, Or Not Buying, If It Is Felt To Be In Your Best Interest.
Text: 416-524-7543
Office: 416-782-7000
Toll Free: 1-844-782-7002
Email: irenejoseph@symptico.ca



 
 
Testimonials
 

Mssrs. Harvey and Michael Kalles, Harvey Kalles Real Estate Ltd., 2145 Avenue Road, Toronto, Ontario, M5M 4B2 Dear Harvey and Michael; We wanted to let you know, we are so happy we chose Jeffrey and Irene Joseph, and Harvey Kalles Real Estate, to represent us for selling our home, and buying the condominium where we now live. It just could not have worked out any better for us. They took almost all the stress out of the process, made it very efficient, smooth, and comfortable. They listened to us, we never had to ask twice for anything, they were punctual, followed through on everything they said, and we will not hesitate to refer them to others. Very sincerely, Marvin and Sandi Bernstein - Marvin and Sandi Bernstein

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My name is Simone Poole and I'm writing to tell you about how Jeffrey Joseph helped my fiancé and I find our wonderful home. Jeffrey has known me my entire life. Before I was born, he sold my family their first house in the Annex and since then he has helped my family buy and sell 4 houses (mostly within Forest Hill). In each transaction, he found the perfect house for my parents at the time. In fact, he is such a constant contact for our family that he has also become a good friend. When my fiancée and I decided to purchase our first home, we knew exactly who we wanted to work with. Jeffrey's knowledge of the industry, housing market and trends were extremely helpful for us in making a decision. We wouldn't just look at the house, but also learn about its construction and history which was an eye-opening experience for us. He worked tirelessly over roughly 2 months to draw listings and arrange appointments for us to see the houses. Most days, we would see 7 houses in a row! It also goes without saying that Jeffrey is outgoing and a truly genuine person. He enjoys conversation and made us feel at ease walking us through each space. We felt supported even after moving into our house and appreciated that he followed up to see how we were settling in. Overall a fantastic experience and we couldn't be happier with our decision to work with Jeffrey. Friendship aside, he is a true professional. Thank you, Simon Poole & Karen Edwards - Simon Poole & Karen Edwards

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We have to date made $2-250,000 (on paper only and pre-capital gains tax) following Jeffrey's advice. I am sure this makes us no different from many of his clients but what is noteworthy about our case is that the advice he gave us, while in our interest, was completely contrary to his own. Jeffrey was our agent when we purchased the house we presently live in. At the time we owned a house which we intended to sell to finance the purchase of the one with respect to which we had just signed an agreement of purchase and sale. We told him we would like to give him a listing to sell that house. He said the following: " I'm not in the habit of turning down listings but instead of selling why don't you mortgage that house to raise the downpayment on the new one and that way you will have two houses?" By doing this he was turning down a commission of perhaps $35,000. But it demonstrates how Jeffrey put his clients" interest above his own. The house we would have sold but for his advice has only gone up in value since that time and more that carries itself as a rental property. MURRAY TEITEL, Barrister - Murray Teitel, Barrister and Linda Spiegel, B.A., B.Ed., B.F.A., M.S.W

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Jeffrey and Irene Joseph have been my real estate agents for over 32 years. They helped me relocate several times. Either Jeffrey or Irene have always been available, always in good humour and always there for me for what I wanted not what was best for them on their timetable and their energies. They have helped me with my children to find rentals. They go beyond the call of duty ( working on offers after midnight) with pizza and without complaint. Jeffrey helps me create a price point and even encourages me sometimes to offer less than I would have thought was reasonable. I know I can always count on Jeffrey. His love of the industry and knowledge has given me confidence. Countless afternoons looking at properties has always been a pleasure! Thanks so much, trust is paramount and you both are the best! - Dr. Dana Colson DDS

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