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The Mortgage Gal

When applying for a mortgage be prepared

When applying for a mortgage be prepared

Feb 12, 2024 / 11:00 am

“Why do they need that? It wasn’t like this the last time I bought a house”. One of the common frustrations shared by mortgage applicants is...

When renewing your mortgage, know your options

When renewing your mortgage, know your options

Jan 29, 2024 / 11:00 am

It feels like I’m harping on the subject of mortgage renewals, and that may well be the case. Many of my conversations with clients right now are deep...

Finding the right lender to fit your mortgage needs

Finding the right lender to fit your mortgage needs

Jan 15, 2024 / 11:00 am

Choosing the right lender is more important than ever. Last week, I had a client ask why I chose a particular lender for them. It was a great question, so I...

Time to review your mortgage

Time to review your mortgage

Jan 1, 2024 / 4:00 am

During the week between Christmas and New Year’s Day, I spent time reflecting on my past year and did my planning for the upcoming year. That included a...

Things to remember if planning to seek a mortgage

Things to remember if planning to seek a mortgage

Dec 18, 2023 / 11:00 am

As we move into the busiest part of the holiday season, mortgages are the last thing on most peoples’ minds. I’ve been working on a home purchase...

How does your lender deal with mortgage rate drops?

How does your lender deal with mortgage rate drops?

Dec 4, 2023 / 11:00 am

Usually when I write my column, I share stories of what not to do with respect to your financing. Today is a little different. This week, I have had the...

If your mortgage renewal is coming up, look at options now

If your mortgage renewal is coming up, look at options now

Nov 20, 2023 / 11:00 am

A significant percentage of Canadian mortgages are coming up for renewal in 2024. Considering the low mortgage rates we’ve enjoyed for the last few years,...

Grants available when buying or retrofitting an eco-friendly home

Grants available when buying or retrofitting an eco-friendly home

Nov 6, 2023 / 11:00 am

Recently I attended a CMHC learning session about the enhancements to its Eco Plus program and the rollout of its Eco Improvements program. If you purchase a...

What to know about your mortgage advisor

What to know about your mortgage advisor

Oct 9, 2023 / 11:00 am

I received a call from one of my favourite realtors a few weeks ago asking if I could help her clients. She told me the clients started with another broker but...

The ins and outs of mortgage insurance

The ins and outs of mortgage insurance

Sep 25, 2023 / 11:00 am

First off, some happy news. It sounds like insurance companies are back to offering home insurance policies in our area. This is still on a case-by-case basis...

Mortgage renewal 'sticker shock' prompting difficult decisions

Mortgage renewal 'sticker shock' prompting difficult decisions

Sep 11, 2023 / 11:00 am

Currently, I am fielding a high number of calls from people looking for information about mortgage renewal options. In 2016, when the mortgage “stress...

The impact of wildfire on mortgages

The impact of wildfire on mortgages

Aug 28, 2023 / 11:00 am

This week it feels like almost every conversation starts with a question and answer and fire update. I am very fortunate in that my family lives just outside of...

Challenging times in the world of mortgages

Challenging times in the world of mortgages

Aug 14, 2023 / 11:00 am

Sometimes, when I sit down to write my column, I struggle to find a topic that I’d like to write about. Other times, like today, I have a clear idea of...

Plan on getting into the housing market? Consider an FHSA

Plan on getting into the housing market? Consider an FHSA

Jul 31, 2023 / 11:00 am

Whether it is your first or subsequent venture into the housing market, it will likely look a bit different than it did even a few years ago. Rising interest...

What to do with your mortgage

What to do with your mortgage

Jul 17, 2023 / 11:00 am

The question I field most often right now is “what do I do with my mortgage?” Clients with mortgages coming up for renewal have seen rates almost...

Figuring out the right minimum mortgage down payment

Figuring out the right minimum mortgage down payment

Jul 3, 2023 / 11:00 am

Recently I worked with a couple who were selling their home in northern B.C. and moving to the Okanagan. It had been many years since they applied for a...

Wildfire impact and pre-build issues when it comes to mortgages

Wildfire impact and pre-build issues when it comes to mortgages

Jun 19, 2023 / 11:00 am

When I sat down to write this column, there were two themes from the last few weeks that jumped out at me. The two themes have come up in my conversations...

The importance of a mortgage pre-approval

The importance of a mortgage pre-approval

Jun 5, 2023 / 11:00 am

The subject of mortgage pre-approvals has been beaten to death, but I am going to circle back to this from a different perspective. Over the last few months...

Buying property with your head, not your heart

Buying property with your head, not your heart

May 22, 2023 / 11:00 am

For the last few months, I have felt a bit of a return to normal in the mortgage world. Fixed rates have been trending down and we’ve seen some great rate...

Bridging the gap between selling and buying

Bridging the gap between selling and buying

May 8, 2023 / 11:00 am

As always, before I sit down to write my column, I tend to notice a theme of what’s happened over the last few weeks. Recently, this has been the...

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