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The Mortgage Gal

How much mortgage should you carry?

Aug 23, 2014 / 5:00 am

There are several things to consider when deciding how much home to buy. 1. Draw up a budget including the new mortgage payments. While the rules used by most...

VERICO: a decade later...

Aug 9, 2014 / 5:00 am

VERICO Canada celebrates its 10th year in business and makes strategic plans to compete and win in the next decade. As we come up to VERICO’s 10th year in...

Take charge of your debt

Jul 26, 2014 / 5:00 am

Ways to reduce your Debt: Make a budget and get budget counseling A basic first step for debt reduction is to prepare a budget and plan your spending. Once you...

Mortgage payment difficulties

Jul 12, 2014 / 5:00 am

When unforeseen financial circumstances impact your ability to make regular mortgage payments, it’s important for you to take quick action. With early...

Credit fitness: how to stay healthy

Jun 28, 2014 / 5:00 am

Many people worry about what their credit score looks like, especially if they have missed a payment or two, or worse, claimed bankruptcy. The truth is, credit...

Tips on home maintenance & security

Jun 14, 2014 / 5:00 am

Once you’ve settled into your new home, you may start seeing things you’d like to change or repair. Maintenance, repair and renovations are a normal...

Why should I use a mortgage broker?

May 31, 2014 / 5:00 am

For most of us, our ideas about mortgages have been instilled by years of past experience with traditional products in traditional institutions. Long-held...

Selecting the right mortgage planner

May 17, 2014 / 5:00 am

If you were investing the same amount of money you are considering borrowing right now, or have already borrowed, how would you choose your financial advisor?...

Home Buyer RRSP

May 3, 2014 / 5:00 am

RRSP Payment Using your RRSP? It can be all or part of your down payment. The rules have changed in recent years, so if you think you know them, double check...

Why test your indoor air quality?

Apr 5, 2014 / 5:00 am

Without a doubt, the quality of air indoors is worse than outdoors. Sick Building Syndrome (SBS) is a term used to describe situations where the occupants...

CMHC to increase insurance premiums

Mar 22, 2014 / 5:00 am

After the annual review of insurance products and capital requirements, CMHC made the decision to raise the mortgage loan insurance premiums for homeowner and...

How to save money with the way you pay

Mar 8, 2014 / 5:00 am

How will you pay for this today? Maybe it’s time to change the way you answer this common checkout question. With more payment options than ever,...

Good news for small mortgage lenders

Feb 22, 2014 / 5:00 am

The budget should allow more competition from smaller lenders which will keep banks competitive and make dealing with a mortgage broker even more important....

Three last-minute RRSP tips

Feb 8, 2014 / 5:00 am

Time is running out to make your RRSP contribution and take advantage of a tax deduction for 2013. With the March 3, 2014 deadline fast approaching, here are...

Selling your home faster and for more

Jan 25, 2014 / 5:00 am

Are you having a hard time selling your home right now? Could your home use some updates which you can’t afford to do right now? Are potential buyers...

Access your money more quickly

Jan 11, 2014 / 5:00 am

When you deposit a cheque and the money appears in your bank account, you may not be able to access all of it immediately because of the 'cheque hold'...

Tips to get approved for a mortgage

Dec 28, 2013 / 5:00 am

If your home ownership fantasies have been rudely awakened by the bank denying your application it is time to take control of your situation and learn what you...

The joy of handmade holiday cards

Dec 14, 2013 / 5:00 am

There are few holiday traditions as time-honoured as greeting cards. A mailbox bursting with good tidings from family and friends is one of the fundamental joys...

Why you need a mortgage broker

Nov 30, 2013 / 5:00 am

When was the last time you thought about your mortgage? Most people take out a mortgage with their bank for five years and then forget about it. When you took...

Managing your mortgage

Nov 16, 2013 / 5:00 am

What You Should Think About When Financing Your Home If you’re like most Canadians, your home is probably the most important investment you’ll ever...

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