ORIANA FINANCIAL

*Specializing in: Residential, Commercial, Rental Properties, Vacation Homes, New Immigrant Financing, Multi Unit Residential, Private Funds and Financing;

*Self-Employed & Commissioned Buyers;

*First Time Home Buyers: taking you through the process, step by step

*Refinancing Options: renewals, home improvements, debt consolidation

*Bankruptcy and Credit Challenges;

*Cash back options available;

*Second Mortgages; Home Equity Lines;

*"Rate holds" up to 120 days

As Mortgage Advisors, we "shop" the market for you and one application does it all! Shopping around yourself for the best mortgage rate can affect your credit rating in a negative way. Oriana Financial negotiates with lending institutions and obtains volume discounted rates that are passed on to our customers. Remember, there is more to a mortgage than the interest rate. As your mortgage advisor, we are committed to examining your needs and recommending services that make sense for you.

Your business is important to us, which is why we stand by our statement "Great Mortgages Made Simple". We are here to offer fast, professional and personal service around your schedule!

Now Available 30, 35 and 40 Year Amortization Mortgages:

Now buyers can: lower monthly payments, afford a higher priced house, refinance to reduce debt costs.

Available up to 100% Purchase

Fixed of Variable Rate Options

Adjustable Rate Mortgages/Variable Rate Mortgages

The rate of interest is based on Bank of Canada's Prime Lending Rate. Repayments may be adjusted as Prime changes. This product is for borrowers who can tolerate interest rate and payment changes over the term of the mortgage. Variable rate mortgages have a fixed repayment and the amount of principle and interest repaid is what will fluctuate with any changes to Prime. These mortgages can be converted to a fixed term with no penalty.

Fixed Rate Mortgages

The interest rate is set for the duration of the term. This product is for borrowers who want peace of mind and a consistent repayment amount.

High Ratio Mortgages

CMHC of Genworth may insure a mortgage for up to 95% of the lending value of the house. Borrowers only need 5% of the purchase price for a down payment. The premiums range from 1.00% to 2.75% based on the down payment and loan amount. Some products may have a surcharge on the premium.

Zero Down Payment

Available to All buyers, borrowers receive the down payment equal to 5% of the property value. This product is limited to purchases only with no limit of real estate price. This product can be amortized over 35 years for qualified clients.

RSP Home Buyer's Plan

The RSP Home Buyers(HBP) lets a first-time buyer withdraw up to $20,000.00 from RSP's for a home purchase. The withdrawn amount must be repaid within 15 years, subject to a minimum annual repayment equal to 1/15.

Elena Gourevitch

lena@mortgageresult.net

Tel.416-892-4449

Fax 905-237-0199