Mortgage Matters
Plans that save you money
This is a busy time in the real estate market, and both the federal and provincial government offer resources, grants and rebates for new and current home...
4 things that can go wrong
Here are four things that can derail your mortgage financing even if you’ve been pre-approved by your bank or a mortgage broker. If you can avoid these...
Buying In a seller's market
The most recent stats from OMREB (Okanagan Mainline Real Estate Board) confirm that there is low inventory to choose from for those hoping to buy a home. This...
Mortgage renewal checklist
Here are nine things to consider before your mortgage renews: Have you explored all your options? Once you receive your mortgage renewal statement,...
Home buyers' plan
Are you considering purchasing your first home this year? If so, before March 1 could be the best time to implement this strategy, if you are thinking about...
Want to reno your home?
Are you living with a 1980s style bathroom? Carpet on the floor cracked tiles leaky shower old bathtub Would you love to upgrade your kitchen or add a new...
Get approval to house hunt
Why get pre-approved before house hunting? Before you fall in love with a home, you should know if it’s within your financial reach. The first person you...
Is it time to consolidate?
A recent report from Equifax Canada has concluded that consumer debt is on the rise in Canada with the highest increase being in auto loans and then credit-card...
A year of mortgage changes
2016 has definitely been a year of changes in the mortgage industry. These changes have heads spinning as we try to understand what these changes mean for the...
Tax affects homeowners
Along with the new mortgage rule changes for qualifying that were introduced in early October, the minister of finance also announced tax changes that will...
Mortgage rates rising
Over this past week, we have seen an increase in fixed-term mortgage rates at many lenders. Most banks, including the Royal Bank, TD Canada Trust and...
More mortgage changes
Most are now aware of the insured mortgage rule changes that came into effect on Oct. 17, which essentially reduces your buying power if you require an insured...
Mortgage rules changed
The new federal mortgage rules came into effect on Oct.17. Here’s a brief rundown of the changes and how they might potentially affect your mortgage...
Job loss and your mortgage
Losing your job, having your family income reduced for an unexpected reason, a health issue or life event can be traumatic. It's especially traumatic if...
Do you buy first or sell?
Buy or sell? Which comes first? I get asked that question often and the answer varies, depending on your own situation and the market conditions in your area. ...
Mortgages after bankruptcy
You might think it's impossible to get a mortgage after you have declared bankruptcy. It can be a difficult, but there are options if you are willing to do...
You can mortgage your debt
If you are carrying high-interest, credit-card debt, car loans or other personal loans, you know that it can be challenging to pay off everything. If you are a...
Build your dream home
If you have ever thought about building a new home, there are many considerations including your financing options. This can be complicated, depending on how...
Mortgage don'ts
Your mortgage has been approved and we have secured great rates and terms for your financing. There is going to be a period between receiving the final approval...
The best mortgage rates
We are in the middle of a frenzy of activity with our spring real-estate market, so there is a big competition of low-rate offerings in the mortgage market....