Mortgage Payment Frequencies This is the 10th article in our Mortgage Life Cycle Costs series. Why write these Mortgage Life Cycle Costs articles? We have seen many people suffer loss, [...]
Mortgage Amortization This is the 9th article in our Mortgage Life Cycle Costs series. As a reminder, Canada’s large banks are a saturated oligopoly. Oligopolists are interdependent of each other[...]
Mortgage Term This is the 8th article in our Mortgage Life Cycle Costs series. As a reminder, Canadian banks are a saturated oligopoly. Oligopolists are interdependent of each other and[...]
Mortgage Supporting Documents Once you are eligible for a mortgage and are finalizing your mortgage, it comes down to managing and fulfilling your mortgage conditions. Your mortgage conditions are represented[...]
Why a seller should insist on a condition of finance In a very active, fast-moving, competitive real estate market where property prices are rising at unprecedented levels, my clients ask[...]
Purchase Plus Improvements It has often been said that we live in homes that we don't really like, to fix them up three months before we sell them for the[...]
The Mortgage "Stress Test" What is the "Stress Test," how is it determined, is it a good thing, and how does it affect you? Inescapably, it will affect the applicant[...]
Mortgages for non-Canadians Canada has had an incredible real estate market for the last 20 years, and we are blessed to live in one of the most desirable countries in[...]
Pre-construction Mortgages This Article will cover mortgage financing for newly built, 100% completed properties purchased from a 3rd party builder/real estate developer. We commonly refer to these properties and their[...]
Construction Mortgages Building a custom home suited to your exact needs is most people’s dream. When house prices are high or even unaffordable, we start to look for ways to[...]