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The Mortgage Gal

Updating your kitchen on a budget

Updating your kitchen on a budget

Apr 2, 2011 / 5:00 am

We all want the finer things in life, but while many of us have expensive tastes, we don’t always have such lavish budgets. And, when it comes to updating...

Why choose me?

Mar 19, 2011 / 5:00 am

“Why” am I a Mortgage Broker and “Why” should you do business with me? My business coach asked us last week to come up with our “Why”. He gave us a...

Fixed or Variable Rate?

Mar 5, 2011 / 5:00 am

There has been a lot of talk regarding fixed and variable rate mortgages and which one is best for you. There are a couple of questions that you can ask...

Save with the way you pay

Save with the way you pay

Feb 19, 2011 / 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, consumers...

Changes to mortgages

Jan 29, 2011 / 5:00 am

Changes to Mortgages That Will Affect Most Mortgage Holders Jim Flaherty, Finance Minister announced three changes to mortgage financing in hopes of increasing...

Budgeting for interest rate hikes

Budgeting for interest rate hikes

Jan 15, 2011 / 5:00 am

Interest rates, near historic lows for much of the past two years, are widely expected to increase through the latter half of 2011. The cost of carrying debt,...

Tips to get approved for a mortgage

Dec 25, 2010 / 5:00 am

If your home ownership fantasies have been rudely awakened by loan officers denying your application, it’s time to take control of your situation and learn...

Christmas cards

Christmas cards

Dec 11, 2010 / 5:00 am

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

Is your mortgage tax deductible?

Nov 27, 2010 / 5:00 am

Shopping for a mortgage is an intimidating process for most homeowners because, outside of interest rate, most people just don’t know what questions to ask....

Protecting home buyers

Protecting home buyers

Nov 13, 2010 / 5:00 am

The Buyer Protection Plan (BPP) was developed by Calgary Mortgage Trainer, Greg Williamson of 180 Degrees Solutions. Williamson says the Buyer Protection Plan...

Market commentary

Market commentary

Oct 30, 2010 / 5:00 am

We have definitely weathered a storm here especially in British Columbia. The inaccurate fears of Harmonized Sales Tax (HST) caused a huge rush of people trying...

Home buyer protection plan

Home buyer protection plan

Oct 9, 2010 / 5:00 am

Are you a buyer thinking about purchasing a property but worried because the media keeps reporting prices are going to drop further?  Do you know someone who...

A stable market means opportunity

Sep 25, 2010 / 5:00 am

With low interest rates and the average home sale being close to 7 months from listing date, this is a good time for consumers to look at their buying options....

Eight ways to save money

Eight ways to save money

Sep 18, 2010 / 5:00 am

Many Canadian families are working hard to save money and reduce debt. By saving modest amounts, however, you can reap big rewards over time. Here are easy ways...

Back to school shopping

Back to school shopping

Sep 4, 2010 / 5:00 am

Start your back-to-school shopping with a game plan. Even if your child's teacher hasn't provided a list of school supplies, you can't go wrong by sticking with...

Mortgage payment difficulties

Aug 14, 2010 / 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...

Second mortgage vs. home equity loan

Jul 17, 2010 / 5:00 am

It’s not surprising that some homeowners confuse the terms “second mortgage” and “home equity loan.” After all, a second mortgage is a type of home...

House hunting

House hunting

Jul 3, 2010 / 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...

Is your mortgage tax deductible?

Is your mortgage tax deductible?

Jun 5, 2010 / 5:00 am

I have just joined the Tax Deductible Mortgage Program (TDMP). TDMP is a Canadian based company which converts Canadian homeowner’s mortgages, into tax...

GST/HST new housing rebate

GST/HST new housing rebate

May 1, 2010 / 5:00 am

From July 1, 2010, new home sales in Ontario and BC will be subject to the new Harmonized Sales Tax (HST). In Ontario, the existing 8% Provincial Sales Tax...

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