Unlock your Child's Dream Home: 10% Down payment Mortgage in North York for homes purchased less than $1M.

🏑 Welcome back to Shoren Konstantin's channel, your trusted local realtor in North York, Toronto! Today, I'm excited to unveil groundbreaking news for parents – an exclusive mortgage program from a top-tier A lender with just a 10% down payment for the purchase price of less than $1M. ! πŸ’Όβœ¨

Explore how your children can secure their dream home with less than $100,000 down payment on a $900,000 mortgage, leveraging your investible assets like checking and savings accounts, stocks, mutual funds, Tax-Free Savings Accounts, Registered Retirement Savings Plans, GICs, and more. 🌟🏦

This unique opportunity paves the way for homeownership, specially for those facing challenges meeting traditional income requirements for a mortgage on a less than $1,000,000 home purchase price. Say goodbye to waiting decades for a hefty down payment – your adult children can use your established financial foundation to fast-track their dreams! πŸš€πŸ’°

Worried about touching your investments? Fear not! This confidential process only requires sharing relevant documents with the mortgage broker at this A lender bank. Make a significant impact on your children's lives without compromising your financial portfolio. πŸ€πŸ”’

As a token of appreciation, this A lender offers a referral fee of Β½% of the mortgage amount – a generous $4,500 for a $900,000 mortgage! I'll pass on this referral fee to your children and cover their legal fees and disbursements for purchasing property in North York with Zen Home Realty, saving them thousands. πŸ’ΈπŸ’Ό

Spread the word! Share my videos on my YouTube Channel at: with family and friends. Help us reach our goal of 100 subscribers by the end of February 2024. Your support can truly make a difference in aiding young homebuyers in achieving their dreams. Don't forget to like and share! πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦πŸ‘

I'm Shoren Konstantin, your dedicated local realtor in North York. Let's transform homeownership dreams into reality together. For more information, give me a call, and I'll connect you with the mortgage broker. Thank you for reading this blog entirely and thank you in advance for watching my YouTube Videos, and I'm excited to assist your family on their journey to homeownership! πŸ‘πŸ“ž

Shoren Konstantin
Zen Home Realty


Decoding the Bank of Canada's Latest Interest Rate Decision: Insights and Implications


Greetings, readers! In this article, we delve into the recent decision by the Bank of Canada regarding the overnight lending rate, exploring its potential impacts on households and the broader financial landscape. Shoren Konstantin, your trusted real estate expert from Zen Home Realty in North York, will guide us through the intricacies of this crucial development.

The Decision and Its Significance:

As of January 25, 2024, the Bank of Canada has chosen to maintain the overnight lending rate at five percent. This decision prompts us to question how it may influence our financial standing. Join us as we analyze the details and consider possible shifts in borrowing costs.

Insights from Tiff Macklem:

Tiff Macklem, the Governor of the Bank of Canada, sheds light on the future trajectory, emphasizing a transition in focus from the height of interest rates to their duration at the current level. The central question remains: when can we expect a decline in interest rates? While the Bank of Canada remains non-committal, our experts delve into the possibilities, with some anticipating a series of rate cuts by the summer.

Cautious Optimism:

Understanding the reluctance of the Bank of Canada to commit to a specific timeline is crucial. Lessons learned from past experiences, particularly during the COVID-19 pandemic, highlight the importance of a cautious approach. Global uncertainties, ranging from geopolitical conflicts to climate-related disasters, contribute to the bank's prudence in forecasting.

Impact on Real Estate and the Economy:

How do these decisions reverberate within the real estate market and the broader economy? Stay tuned for updates as we monitor potential effects on borrowing costs, housing markets, and the overall economic landscape.

Explore North York's Real Estate Landscape:

For a more in-depth understanding of North York's real estate scene, connect with Zen Home Realty, your dedicated brokerage for insightful perspectives. Shoren Konstantin serves as your guide to navigating the evolving real estate market.


As we conclude, we encourage you to stay informed and make confident financial decisions in the ever-changing landscape. Until next time, take care, stay informed, and navigate the world of real estate with confidence alongside Zen Home Realty!


Discover the Mosaic of North York, Toronto: Unveiling the Streetscape Symphony

Welcome to the mosaic of North York, Toronto, where every street is a brushstroke on the canvas of a vibrant neighborhood. Join us on an exhilarating journey as we dance through the iconic streets, each pulsating with its own rhythm, beckoning you to immerse yourself in the vivid stories that unfold.

Willowdale Avenue: Where Cultures Converge

Embark on a sensory adventure along Willowdale Avenue, where the air is infused with the tantalizing scents of global cuisines. This multicultural haven is adorned with vivid storefronts, inviting you to explore the eclectic blend of cultures that define North York. Get ready to taste the world without leaving the neighborhood.

Bayview Village Neighborhood: Urban Elegance

Not to be confused with the famous shopping mall, the Bayview Village neighborhood is a canvas of urban elegance. Stroll through its tree-lined streets, lined with charming homes and green spaces, offering a delightful escape within the city. Bayview Village Neighborhood is where sophistication meets community, providing a serene backdrop for residents and visitors alike.

Bayview Village Shopping Mall: Shopper's Utopia

Step into the dazzling world of Bayview Village Shopping Mall, a fashionista's paradise where style meets sophistication. The vibrant storefronts along this chic boulevard are a testament to North York's flair for fashion. Indulge your senses and let the allure of high-end boutiques and unique finds guide your shopping spree.

Yonge Street: The Pulse of Urban Energy

Yonge Street, the dynamic spine of North York, is a symphony of urban energy. By day, explore theaters and cinemas; by night, immerse yourself in the rhythm of street performances. The ever-changing face of Yonge Street ensures that there's always something new to discover. Join the dance and let the vibrant beats of the city guide your steps.

Finch Avenue: A Feast for the Senses

Embark on a culinary odyssey along Finch Avenue, where the diverse gastronomic landscape is a feast for your taste buds. From cozy bistros to exotic international fare, Finch Avenue is a celebration of culinary delights. Take a gastronomic journey through the flavors that make North York a melting pot of taste sensations.

Sheppard Avenue: Tranquil Retreat in the Urban Jungle

Escape the urban hustle and find serenity along the lush green spaces of Sheppard Avenue. Parks and gardens dot the landscape, offering a peaceful retreat amidst the vibrant city. Take a leisurely stroll, breathe in the fresh air, and let the greenery rejuvenate your senses.

North York, Toronto, is a vibrant masterpiece, with each street and neighborhood contributing its unique hue to the mosaic of this city. As you traverse the vibrant streets of Willowdale, Bayview Village Neighborhood, Bayview Village Shopping Mall, Yonge, Finch, and Sheppard, let the colors guide you on a lively exploration of this dynamic neighborhood.