Mortgage Penalties
Mortgage Penalties
This article is Part 6 of our Mortgage Life Cycle Costs series. In...
Avoiding the Pitfalls
Avoiding the Pitfalls: Choosing the Right Mortgage
When it comes to selecting a mortgage, it's...
Getting Ready to Buy a Home
Getting Ready to Buy a Home in Ontario: A Mortgage Broker's Guide to Preparation
Introduction
Purchasing...
Mortgage Assumability
Mortgage Assumability
This is the 16th article in our Mortgage Life Cycle Costs series.
What do...
Mortgage Portability
Mortgage Portability
This is the 15th article in our Mortgage Life Cycle Costs series.
What do...
Mortgage Pre-Payment Privileges
Mortgage Pre-Payment Privileges
This is the 14th article in our Mortgage Life Cycle Costs series.
What...
Mortgage Terms and Conditions
Mortgage Terms and Conditions
This is the 13th article in our Mortgage Life Cycle Costs...
Mortgage Advocacy and Support
Mortgage Advocacy and Support
This is the 12th article in our Mortgage Life Cycle Costs...
Mortgage sticker price
Is your mortgage sticker price blinding you?
What do I mean with "sticker price," and...
Mortgage Payment Frequencies
Mortgage Payment Frequencies
This is the 10th article in our Mortgage Life Cycle Costs series.
Why...
Amortization
Mortgage Amortization
This is the 9th article in our Mortgage Life Cycle Costs series.
As a...
Mortgage Term
Mortgage Term
This is the 8th article in our Mortgage Life Cycle Costs series.
As a...
Mortgage supporting documents
Mortgage Supporting Documents
Once you are eligible for a mortgage and are finalizing your mortgage,...
Why a seller should insist on a condition of finance
Why a seller should insist on a condition of finance
In a very active, fast-moving,...
Purchase plus improvements
Purchase Plus Improvements
It has often been said that we live in homes that we...
Mortgage Stress test
The Mortgage "Stress Test"
What is the "Stress Test," how is it determined, is it...
Mortgages for non-Canadians
Mortgages for non-Canadians
Canada has had an incredible real estate market for the last 20...
New Builds
Pre-construction Mortgages
This Article will cover mortgage financing for newly built, 100% completed properties purchased...
Construction Mortgages
Construction Mortgages
Building a custom home suited to your exact needs is most people’s dream....
Getting Mortgage Free faster
Getting Mortgage-Free Faster
All of us dream of retiring at a reasonable age with sufficient...
Property-Buyouts
Navigating Your Way Through A Property Buy-out
A mortgage buy-out is necessary when one or...
How to Kick-butt Virtually
How to Kick-butt Virtually
It is encouraging and inspiring to see how businesses have stepped...
Looking at Bridge Loans
Looking at Bridge Loans
Bridge loans… What, when, how, why? Let’s get you informed and...
Consolidating Debt Into Your Mortgage
Consolidating Debt Into Your Mortgage
In July’s webinar we looked at consolidating debt into your...
Leverage COVID-19 to Reduce Mortgage Interest Rates
Leverage COVID-19 to reduce mortgage interest rates
When life gives you lemons… Make lemonade! We’re...
Credit and your mortgage
Credit and your mortgage
As we move forward with clarity and hope, I encourage you...
Live Interview With a Lender
Your Mortgage during COVID-19 from the Lender’s Point-of-View
Sometimes all you need is a change...
How to Take Advantage of Hard Times
How to Take Advantage of Hard Times
The past few weeks have been a whirlwind....
Mortgages when life happens covid-19
Mortgages for When Life Happens to Us…
No one likes hard times and very few...
How variable and fixed mortgage interest rates are determined
How variable and fixed mortgage interest rates are determined
In this article we will clarify...
Pre-approvals Webinar Summary
Everything you need to know about pre-approvals
A pre-approval is an important part of the...
Mortgage Refinance Webinar Summary
The problems and solutions around refinancing your mortgage.
Canada’s ever-changing mortgage rules, mortgage slang and...
Real-life tips to help you face your mortgage
Real-life tips to help you face your mortgage
Your wallet is not the only thing...
Self-employed webinar summary
Mortgages for the self-employed
In 2007, an individual could buy a home with a 0%...
Budget like a boss
Budget like a Boss
Budgets are a vast, but exciting topic and there is always...
Improving your Life with a Secondary Home - our Webinar Takes you Through it All
Improving your Life with a Secondary Home - our Webinar Takes you Through it...
Taking the Step Towards an Investment Property
Taking the Step Towards an Investment Property.
Our topic for July’s webinar was ‘Investment Properties’....
Some Rules for Foreign Purchasers in Canada
Some Rules for Foreign Purchasers in Canada
Now that we’ve covered the content for those...
Land on your feet with the New-to-Canada mortgage program
Land on your feet with the New-to-Canada mortgage program
We held a New-to-Canada mortgage webinar,...
Part 3/3 - Your Mortgage Renewal: Is it a switch or a refinance?
Your Mortgage Renewal Is it a switch or a refinance?
YES, I WANT TO RENEW...
Part 2/3 - Planning your mortgage renewal
Planning your mortgage renewal
- Part 2 of 3
Most people only consider what it takes...
Part 1/3 - What happens at mortgage renewal time?
What happens at mortgage renewal time?
Unlike the United States, Canadian mortgages have a Term...
Debt Snowball Plan File
Now That You've Read All The Articles In The Series, Please Watch The Instructional...
Part 4/4 - The Debt Snowball Method
This plan is not new, but it works. It is designed to keep us...
Part 3/4 - How to stay out of debt and remain debt free
Dieticians estimate that 95% of people who lose weight during a diet will put...
Part 2/4 - How to pay off debt and become debt free
Now that we have a better understanding why we create debt, let's look out...
Part 1/4 - Why we make debt
We create debt when our expenses exceed our income. That sounds so obvious. If...
CMHC Confirms, Credit Scores are Improving!
CMHC Confirms, Credit Scores are Improving!
Recently published data from the CMHC (Canada Mortgage and...
Co-owning a property
Co-owning a property
Sky-high real estate prices in big cities, combined with the new mortgage...
Important Announcement: Mortgage Rule Changes
Important Announcement: Mortgage Rule Changes
New Mortgage Rules (Q3 2017)
In early October 2016 the federal...
Mortgage Renewals Explained
Mortgage Renewals Explained
Mortgage Renewals - What happens at renewal time?
Mortgages in Canada have set...
Mortgage Supporting Documents – What to expect
Mortgage Supporting Documents – What to expect
Buying and owning a house is fun and...
Mortgage Broker Tips - How to plan for the best Mortgage
Mortgage Broker Tips - How to plan for the best Mortgage
Buying a home and...
What Down Payment is Right for You
What Down Payment is Right for You
I remember buying my first house. My goal...
The Ten Absolute Must-have Privileges for Your Mortgage
The Ten Absolute Must-have Privileges for Your Mortgage
Most of us are pretty good at...
New-to-Canada Mortgages
New-to-Canada Mortgages
From the day I arrived at Lester Pearson International Airport, I loved Canada....
The Death of the Equity Mortgage
The Death of the Equity Mortgage
Rewind 5 years. Canadians could get a mortgage for...
Canadian Mortgage Lenders
Canadian Mortgage Lenders
As Canadians we are very blessed to have one of the strongest...
Secondary Homes: You Can Buy a Cottage with a 5% Down Payment
Secondary Homes: You Can Buy a Cottage with a 5% Down Payment
If you have...
How to Build and Maintain Good Credit
How to Build and Maintain Good Credit
Your credit is more important than your income...
Mortgages for Self-employed People
Mortgages for Self-employed People
Self-employed people are the special kind who want to serve others...
Down Payment Amounts and Sources
Down Payment Amounts and Sources
When purchasing a property and the borrower needs a mortgage,...
The 10 Reasons Why People Break Mortgages
The 10 Reasons Why People Break Mortgages
Statistics show that 83% of people break their...
Is it Worth Breaking Your Mortgage?
Is it Worth Breaking Your Mortgage?
Interest rates are at an all-time low and many...
Bridge Loans
Bridge Loans
So, you have bought your beautiful new home and sold your existing home...
Types of Mortgages – The Confusion Removed
Types of Mortgages – The Confusion Removed
Most people think that a fixed mortgage is...
Meet Jim and Margie. They Wanted to Be Mortgage Free.
Meet Jim and Margie. They Wanted to Be Mortgage Free.
Meet Jim and Margie. They...
Rental Properties – Is it for everyone?
Rental Properties – Is it for everyone?
A rental property can be a great enhancement...
Who Wants to Be House Poor?
Who Wants to Be House Poor?
You can avoid being house poor by following these...
The Mortgage You Don't Want
The Mortgage You Don't Want
Average house prices in Oakville are significant. Thus a mortgage...
Gifted Down Payments
The Gifted Down Payments
Understanding gifted down payments and how they could affect your mortgage.
There...
Interest Rates
Interest Rates
Eighty percent of Canadians use interest rates as the sole criteria to find...
The Truth About Pre-Approvals
The Truth About mortgage Pre-Approvals
Pre-approvals are probably the most misunderstood area in mortgages today.
This...
Make the Right Mortgage Choice
Make the Right Mortgage Choice
Statistics tell us that more than 80% of Canadians will...