The Mortgage Gal

Lifetime approach to better fiscal fitness

Feb 23, 2013 / 5:00 am

To stay on the right track for each decade of your life, you need to stop moving your money problem around—raiding one pot to pay a debt in another pot....

Checking out your new neighbourhood

Checking out your new neighbourhood

Feb 9, 2013 / 5:00 am

10 Things To Know About Your New Neighbourhood 1. What are the neighbours like? Take time to get a feel for the locals and how you might fit in. Does...

Teach your children how to save

Teach your children how to save

Jan 26, 2013 / 5:00 am

From making an imaginary cup of tea to shopping at a make-believe grocery store, children love to mimic their parents' lives through play. So when it comes...

Time to make a move

Jan 12, 2013 / 5:00 am

Does the thought of changing your neighbourhood go through your mind more often than not? Here are some key indicators on when you really should consider making...

Goal setting & resolutions

Dec 29, 2012 / 5:00 am

January is a popular time of year to set resolutions for physical fitness, personal finance or new career directions. But with the declaration of failed...

High credit score for borrowing

Dec 15, 2012 / 5:00 am

Part of a Lender's decision to grant credit is an assessment of your past credit history which is why it's important to build credit once you arrive to...

Managing your mortgage

Dec 1, 2012 / 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...

Building your financial muscle

Nov 17, 2012 / 5:00 am

Ballooning credit card debt? Expensive kids? Large mortgage? Feeling in over your head? Read below for five steps to help you build your financial muscle. ...

House hunting:  the right fit for you

House hunting: the right fit for you

Oct 20, 2012 / 5:00 am

With so many choices and variables, how do you find the perfect fit? Before you start your search, it’s a good idea to narrow down the playing field by...

Organize important home documents

Oct 6, 2012 / 5:00 am

As a homeowner, we begin to accumulate papers and documents the moment we choose to purchase a home. Offers to purchase, mortgage documents, home inspection...

What is your mortgage rate?

Sep 22, 2012 / 5:00 am

The first question I usually get when a potential client calls me is what is your mortgage rate for 5 years? It makes me wonder if that is the only thing that...

Cash back for buyers!

Sep 8, 2012 / 5:00 am

How would you feel if I told you that you’d be eligible to receive cash back when you purchase your next home? Yes, it is possible and all you have...

Turn your home into income property

Aug 25, 2012 / 5:00 am

For the past ten years, Scott McGillivray, a 30-year-old real estate entrepreneur, has made a living by transforming houses into income properties. Today, he...

The Renovation Contract

Aug 18, 2012 / 5:00 am

One of the major reasons for disputes over renovation work is the lack of a contract. The best way to avoid this is to draw up an agreement describing the work...

Lock out crime

Lock out crime

Aug 11, 2012 / 5:00 am

Every three minutes, a home in Canada is burglarized. Many of those break-ins occur while the homeowners are away. But burglaries can also take place when you...

Costs associated with closing a home

Jul 28, 2012 / 5:00 am

Your mortgage isn’t your only expense when buying a home. In fact, there are several closing costs that you must pay before you can take possession of...

How to find a builder or realtor

Jul 14, 2012 / 5:00 am

Often, when buying a new home, you’ll deal with a builder/contractor. If you’re buying a resale home, however, you’ll probably encounter a...

Golden rules of renovation

Jun 30, 2012 / 5:00 am

The Canadian Renovator’s Council of the Canadian Home Builders’ Association offers a number of golden rules to help renovating homeowners achieve...

Advantage of 10-year fixed

Advantage of 10-year fixed

Jun 16, 2012 / 5:00 am

With all the turbulence in financial markets right now analysts are having a difficult time predicting where interest rates may be in 5-10 years. With all this...

Ten year mortgages making comeback

Jun 2, 2012 / 5:00 am

The 10-year fixed-rate mortgage has generated renewed interest lately as borrowers look to lock in for the long term and enjoy the security and peace of mind...