Blog

For the best possible mortgage rate and products, you need to have an excellent credit score. To ensure you’re setting yourself up for success, there are a few key things to keep in mind:  Make Your Payments On Time This ...

There are 4 key things that determine of you are ready to purchase your first home. Buying your first home is a huge financial commitment and there are some key indicators that you’re ready to buy.  If you are interested ...

Buying a home is one of the most emotional things a person will do. This can be amplified, in a competitive housing market where you feel obligated to bid over asking because you don’t want to lose out.  One of ...

Increasing Your Down Payment by Using Your RRSP If you are planning on purchasing your first home, you can withdrawal up to $35,000 from your RRSP as money for a down payment on your home. This program is called the Home ...

Given our current landscape, co-signing for a mortgage is becoming more and more common. With the economy right now, unfortunately even with a good income and sufficient funds for a down payment, you may not qualify for a mortgage which ...

Purchasing a home is one of the most important financial decisions you will ever make. When it comes to mortgages and how to finance, it can be confusing and overwhelming. To ensure your home purchase goes as smoothly as possible, ...

I’m sure you may be losing sleep if your mortgage renewal is set to happen in the next few months. The media continues to report that rates are increasing constantly, but fear not, there are options and it’s not as ...

What are you waiting for? Is all the negative media getting to you? Remember the media is like fast food, eat (watch) enough of it and you won’t feel great afterwards. Maybe it’s time to tune it out…  Yes, mortgage ...

What is a deposit? A deposit is the money included with a purchase contract as a sign of good faith when you offer to purchase a property. It’s the “consideration” that helps make up the contract and binds you to ...

Your employment status can play a very important role as it relates to your ability to obtain a mortgage. While completing a mortgage application, depending on your employment status and the lender, you may be required to provide 2 years ...

Deciding to sell your home is a huge decision from emotions to finances. Here are three areas to consider before making any decisions.  First, get a comprehensive property evaluation done by a local realtor. A local realtor understands your market ...

A “no-frills” mortgage is the most basic mortgage which has been stripped of all non-essential benefits to keep the price as low as possible.  There are lots of ways to save money in our everyday lives, from shopping at discount ...

Has homeownership been on your mind or is a goal? Is this your first home, next home, retirement home… but the current state of the doom and gloom and the Canadian economy has you worried?  It’s impossible to know exactly ...

A mortgage payment frequency is how often money comes out of your bank account to pay your mortgage. There are a wide variety of frequency options available, so how do you select which is best for you? I suggest to ...

If you are considering buying a property or have a mortgage up for renewal, you might assume that your primary bank (the one you use for your daily needs) will always offer you the best options and advice – however, ...