Harman Gulati Real Estate Services

Harman Gulati Real Estate Services Real estate services - 647 673 4164

Dress code: 100% commission
10/09/2025

Dress code: 100% commission

💰 When to Refinance Your Home — And When You Shouldn’t 💸Thinking about refinancing your mortgage? Here's a quick guide t...
04/23/2025

💰 When to Refinance Your Home — And When You Shouldn’t 💸

Thinking about refinancing your mortgage? Here's a quick guide to help you decide if it's the right move:

✅ Refinance If...
🔽 Interest rates are at least 0.5%–1% lower than your current rate
⏳ You want to shorten your loan term and save on interest
💵 You need to lower monthly payments for better cash flow
🔒 You’re switching from a variable rate to a fixed rate
🏡 You want to tap into home equity for smart investments (e.g., renovations)
📈 Your credit score has improved and you qualify for better terms

❌ Don’t Refinance If...
📦 You plan to move soon — you might not break even on closing costs
💸 Closing costs are too high to justify the savings
🔁 You’re just restarting a 30-year term too late in the game
⚠️ Your credit/job situation has worsened — you may not qualify for better rates
📉 You’re already close to paying off your mortgage
🚫 You’re refinancing to fund luxuries or liabilities (bad move)

Want to know if refinancing makes sense for you? Run the numbers, and make sure the savings outweigh the costs!

📅 Upcoming Bank of Canada Meetings in 2025Stay informed about Canada’s economic outlook! The Bank of Canada will hold ke...
01/18/2025

📅 Upcoming Bank of Canada Meetings in 2025

Stay informed about Canada’s economic outlook! The Bank of Canada will hold key policy meetings throughout the year to discuss the state of the economy and adjust interest rates as necessary. Mark your calendars for the following dates:

🔹 Wednesday, January 29 🔹 Wednesday, March 12 🔹 Wednesday, April 16 🔹 Wednesday, June 4 🔹 Wednesday, July 30 🔹 Wednesday, September 17 🔹 Wednesday, October 29 🔹 Wednesday, December 10

During these meetings, the Bank of Canada may make announcements regarding changes to the overnight rate, which influences borrowing costs and economic activity across the country. Stay tuned for their policy updates!

I do things other than real estate too… sometimes 🍻
07/13/2024

I do things other than real estate too… sometimes 🍻

Backyard goals 😍
07/06/2024

Backyard goals 😍

Ever seen the "POTL" term and wondered what it is?
03/25/2024

Ever seen the "POTL" term and wondered what it is?

Buying a home can be tough, with high interest rates and a huge downpayment needed it's a demotivating factor for most. ...
10/31/2023

Buying a home can be tough, with high interest rates and a huge downpayment needed it's a demotivating factor for most. So we started a program to help first time home buyers get into their first home and start building equity. If you are interested, feel free to reach out for more info!

SOLD! 🏡 Another Step Closer! 🏡Exciting news! My first-time homebuyer clients have just signed the purchase agreement for...
10/21/2023

SOLD!

🏡 Another Step Closer! 🏡

Exciting news! My first-time homebuyer clients have just signed the purchase agreement for their dream home and it is now FIRM! 🎉📝 We're one step closer to making it official, and I'm thrilled to be part of this journey. Stay tuned for more updates as we move toward closing day! 🥂🏡

This was by far the hardest deal negotiated on my part, took about a month going back and forth but absolutely worth it in the end!

10/18/2023

😂

Secured!
10/08/2023

Secured!

Address

2798 Thamesgate Drive Unit # 1
Mississauga, ON
L4T4E8

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