Behind on debt payments? Don’t wait for the pressure to build. When the bank calls, we step in with solutions. Unlock cash. Reduce your monthly debt payment. Combine your debt. Get a lower interest rate. Missing your debt payment shouldn’t be a setback. Let’s protect your home and strengthen your financial position. 

The calls. The notices. The pressure. You’re not alone and you’re not out of options. If your mortgage feels heavier than it used to, refinancing could help you: Unlock cash. Reduce your monthly debt payment. Combine your debt. Get a lower interest rate. Don’t wait for the pressure to build. Let’s create a plan that moves you forward with confidence.

Contact us today and take control.

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

MYTH: You should wait until HOME PRICES drop to buy.

FACT: Trying to time the market is risky. If rates drop, competition usually increases which can push home prices up. Sometimes buying at a slightly higher rate with less competition and refinancing later when rates drop can make more sense.

Rates might drop… timing the market is tricky. Don’t gamble on timing the market. Buy smart now, refinance later if needed.

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

Helping Canadians finance their dream homes | First-Time Buyers | Refinancing | Reverse Mortgages | Spousal Buyouts

Based in Ontario | Licensed Mortgage Agent #12806

Available Anytime | Access to Multiple Lenders

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

Condominium – $329,000

Location: Mississauga, Ontario

Minimum Down Payment (5.00%) – $16,450 | Monthly Mortgage Payment – $1,494

BREAKDOWN

Home Price – $329,000

Minimum Down Payment – $16,450 (subtract from home price)

Total Mortgage Balance – $325,677

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

MYTH: Fixed rates are always better than variable rates.

FACT: Neither is “always” better; it depends on your risk tolerance, timeline, and market conditions. Fixed rates give stability and predictable payments. Variable rates often start lower and can save money if rates drop but the opposite could happen. The best option depends on your financial comfort and long-term plan.

Your cousin says fixed rates are best. Your friend says variable rate is smarter. Who’s right? Both can be right… for the right person. Let’s find the option that fits your plan.

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

Town House – $750,000

Location: Milton, Ontario

Minimum Down Payment (6.67%) – $50,000 | Monthly Mortgage Payment – $3,346

BREAKDOWN

Home Price – $750,000

Minimum Down Payment – $50,000 (subtract from home price)

CMHC Insurance – $29,400

Total Mortgage Balance – $729,400

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943