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Mortgage Matters

Avantages of working with a mortgage broker at renewal time

Avantages of working with a mortgage broker at renewal time

May 27, 2023 / 11:00 am

Is your mortgage up for renewal this year? If so, you may have already received an early renewal offer from your lender aiming to entice you with the...

Is it time to refinance your mortgage?

Is it time to refinance your mortgage?

May 13, 2023 / 11:00 am

One of the questions I get frequently is, “Can I refinance or restructure my mortgage mid-term?” The answer is yes. I can help you decide whether...

Benefits of a reverse mortgage

Benefits of a reverse mortgage

Apr 29, 2023 / 11:00 am

For many younger Canadians, the hope of owning a home is becoming increasingly difficult to achieve given today’s high cost of living and the price of...

Renovations can add to the value of your home

Renovations can add to the value of your home

Apr 15, 2023 / 11:00 am

Renovating your home is one of the best ways to increase its value and provide yourself with financial security in the long-term. Investing in home renovations...

Mortgage freedom means developing a mortgage strategy

Mortgage freedom means developing a mortgage strategy

Apr 1, 2023 / 11:00 am

A survey, commissioned by Bromwich+Smith and Advisorsavvy in 2022, found half of older Canadians (54%) have delayed retirement because of mounting inflation and...

Securing a mortgage rate hold

Securing a mortgage rate hold

Mar 18, 2023 / 11:00 am

It’s no secret the mortgage market is constantly fluctuating – rates go up and down, making it difficult to predict the best time to buy a house or...

The impact of trigger rates on your mortgage

The impact of trigger rates on your mortgage

Mar 4, 2023 / 11:00 am

In recent years, variable rate mortgages (VRMs) became increasingly popular with borrowers, since they had lower interest rates than fixed-rate mortgages and...

Reverse mortgages can be viable options for some homeowners

Reverse mortgages can be viable options for some homeowners

Feb 18, 2023 / 11:00 am

As the economy continues to undergo changes, many Canadians are dealing with the effects of runaway inflation and are finding that very challenging. With the...

Changing rules have an impact on real estate

Changing rules have an impact on real estate

Feb 4, 2023 / 11:00 am

Both the federal and provincial governments have introduced several new legislative changes that will impact the real estate market for homeowners, homebuyers...

The problem with early mortgage renewals

The problem with early mortgage renewals

Jan 21, 2023 / 11:00 am

Is your mortgage renewing this year? If so, many lenders are contacting their mortgage clients well in advance of the renewal date to offer an early renewal. No...

Mortgage brokers offer flexibility banks often can't match

Mortgage brokers offer flexibility banks often can't match

Jan 7, 2023 / 11:00 am

Whether you are thinking about purchasing a new property or planning to consolidate some of your high interest credit card debt, your first thought might be to...

How mortgages have changed over the years in Canada

How mortgages have changed over the years in Canada

Dec 24, 2022 / 11:00 am

There have been many changes to insured mortgages over the years. Amortizations have been reduced, premiums have increased and some programs have even been...

Doing can annual mortgage review could save you money

Doing can annual mortgage review could save you money

Dec 10, 2022 / 11:00 am

Here’s my dilemma – how do I communicate the importance of an annual mortgage review, not only to my clients but to everyone who currently has a...

Reverse mortgages can help older couples who are getting divorced

Reverse mortgages can help older couples who are getting divorced

Nov 26, 2022 / 11:00 am

So far in 2022, there are more than 1.9 million divorced people between the ages of 55 and 89 years old in Canada. This phenomenon, commonly known as...

For some, a consolidation loan may be answer to dealing with debt

For some, a consolidation loan may be answer to dealing with debt

Nov 12, 2022 / 11:00 am

A recent survey found 53% of Canadian mortgage borrowers are concerned about the prospect of higher monthly payments at renewal time. Those with a variable rate...

With rising rates, which type of mortgage is best for you

With rising rates, which type of mortgage is best for you

Oct 29, 2022 / 11:00 am

Last Wednesday, the Bank of Canada increased its overnight benchmark interest rate 50 basis point to 3.75% from 3.25% in September. That was the sixth time this...

What you need to know about co-signing a mortgage

What you need to know about co-signing a mortgage

Oct 15, 2022 / 11:00 am

With our high mortgage qualifying rates at the contract rate plus 2% (approximately 7.5% today), and today’s high-priced real estate, it can be very...

Credit rating repair action list

Credit rating repair action list

Oct 1, 2022 / 11:00 am

As a mortgage broker, it is my business to assist you in getting the best possible rate for your current situation. Unfortunately your credit rating can affect...

Finding the money for home renovations

Finding the money for home renovations

Sep 17, 2022 / 11:00 am

Are you living with a circa 1980s-style bathroom, carpet on the floor, cracked tiles, a leaky shower or an old bathtub? Or would you love to upgrade your...

The two primary type of mortgages available for vacation properties

The two primary type of mortgages available for vacation properties

Sep 3, 2022 / 11:00 am

I am getting many requests for cabin or vacation home financing. Often these properties will be categorized into "type A" or "type B" in...

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