Blogs

March 27, 2023

When do I refinance mortgage and pay off debt?

“Refinance Your Mortgage and Pay Off Debt – Get Financial Freedom Now!” When do I refinance mortgage and pay off debt? is a question that many […]
March 17, 2023

Can you switch your mortgage to another bank?

Switching your mortgage may not be something that comes to mind when you first think about managing your mortgage, but it can be a valuable option […]
September 16, 2021
QUALIFYING MORTGAGE RATE FALLS FOR FIRST TIME SINCE B-20 INTRO

QUALIFYING MORTGAGE RATE FALLS FOR FIRST TIME SINCE B-20 INTRO

The interest rate used by the federally regulated banks in mortgage stress tests has declined for the first time since 2016, making it a bit easier […]
September 16, 2021
WHAT IS A MORTGAGE “REFINANCE” AND HOW DOES IT AFFECT ME?

WHAT IS A MORTGAGE “REFINANCE” AND HOW DOES IT AFFECT ME?

Refinancing a Home is one of those things where people understand what it is but have trouble explaining how it works. To put it simply, refinancing […]
September 16, 2021
4 WEIRD THINGS LENDERS ASK FOR

4 WEIRD THINGS LENDERS ASK FOR

A number of times I have had people who wonder why they need to provide so much documentation when it comes to arranging a mortgage. Besides […]
September 16, 2021
HOW TO SAVE MONEY ON A VARIABLE RATE MORTGAGE

HOW TO SAVE MONEY ON A VARIABLE RATE MORTGAGE

A few years ago, I remember seeing a statistic that said that if you took out a variable rate mortgage instead of a fixed rate, you […]
September 16, 2021
MORTGAGES ARE LIKE COFFEE

MORTGAGES ARE LIKE COFFEE

The most common question we get for mortgages is “what is your best rate?” Now imagine we walked into our local coffee shop and asked “what […]
September 16, 2021
4 COSTS TO CONSIDER AS A FIRST-TIME HOME BUYER

4 COSTS TO CONSIDER AS A FIRST-TIME HOME BUYER

Often times even the most organized and detail oriented first-time home buyer can overlook some unexpected costs that come with the purchase of their new home. […]
September 16, 2021
3 THINGS YOU MAY NOT KNOW ABOUT CASH-BACK MORTGAGES

3 THINGS YOU MAY NOT KNOW ABOUT CASH-BACK MORTGAGES

About twice a year, one of the big Canadian banks likes to run an advertising campaign for their cash back mortgages. These are mortgages usually with […]
September 16, 2021

RAISE YOUR CREDIT SCORE IN 3 MONTHS

While people often think of mortgage brokers when they are first time home buyers, we can help people in a variety of different ways. Recently Garrett […]
September 16, 2021
image of Stress test

STRESS TEST RATE & RECENT DECREASE

Currently, all borrowers in Canada need to qualify for a new mortgage at the current Bank of Canada Benchmark Qualifying Rate or at their approved mortgage […]
September 15, 2021
Government of Canada logo

Statement by the Deputy Prime Minister and Minister of Finance on the Canadian housing market

May 20, 2021 – Ottawa, Ontario – Department of Finance Canada Earlier today, the Office of the Superintendent of Financial Institutions (OSFI) announced that, effective June […]
August 26, 2020
Real estate appraisal

NEED AN APPRAISAL – 7½ TIPS FOR SUCCESS

Do you need to get a current value of your property? Then you are going to need an appraisal. Banks and other lending institutions want to […]
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