The Mortgage Gal

Pay your mortgage sooner

Oct 30, 2017 / 6:00 am

By making thoughtful decisions and small changes, you can reduce the amount of interest you pay on your mortgage and pay it off years sooner. Work with your...

Mortgage closing costs

Oct 16, 2017 / 11:00 am

You’ve done your homework: saved your down payment met with your mortgage broker and are pre-approved for a mortgage connected with a reputable...

10 guidelines of financing

Oct 2, 2017 / 11:00 am

You’ve written an offer on a home, and gone through the nail-biting process of being approved for your mortgage. You’ve jumped through hoops and...

Improve your credit score

Sep 18, 2017 / 11:00 am

It can be frustrating to find out that your mortgage application has been affected by a low credit score or potentially incorrect information reporting on your...

Mortgage pre-approval

Sep 4, 2017 / 11:00 am

Before you venture out to look at houses for sale, it is a good idea to meet with your mortgage specialist to complete an application and find out how much you...

Know Your ABCs

Aug 21, 2017 / 11:00 am

Know your ABCs — of mortgage lenders that is. Trying to navigate the mortgage world can seem like a daunting task. The up-side of having so many choices...

Have a plan

Aug 7, 2017 / 11:00 am

Setting Yourself up for mortgage success I had an interesting conversation with clients about my last article Are you mortgage ready? We chatted about living...

Are you mortgage ready?

Jul 24, 2017 / 11:00 am

By Tracy Head Just because the numbers say you qualify to carry a mortgage, it doesn’t mean you're ready. If you are thinking about getting in to the...

Down-payment options

Jul 10, 2017 / 11:00 am

By Tracy Head If you are paying rent in the Okanagan (often higher than a mortgage payment), it is almost impossible to save for a home. So how do you come up...

Things to think about

Jun 12, 2017 / 11:00 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 ever...

New rules hurt bottom line

May 29, 2017 / 11:00 am

New Consumer Advocacy Campaign Announced (continued) On April 25, Mortgage Professionals Canada launched a new consumer advocacy campaign including a website...

Mortgage pros fight Ottawa

May 15, 2017 / 11:00 am

New Consumer Advocacy Campaign Announced The Mortgage Professionals Canada launched a new consumer advocacy campaign including a website, www.tellyourmp.ca, on...

Should you buy or rent?

May 1, 2017 / 11:00 am

Should You Buy a Home or Keep on Renting? Buying a home is one of the biggest emotional and financial decisions you’ll ever make, so prepare yourself to...

Rebuilding bad credit rating

Apr 17, 2017 / 11:00 am

What You Can Do if Your Credit Takes a Beating Sometimes bad things happen to good people. Credit problems can be caused by many events. I have had clients who...

Should you renovate?

Apr 3, 2017 / 11:00 am

Buying a home is one of the largest investments we will make and we often ponder whether to sell our home and upgrade or if we should renovate instead. Buying...

Feds will help buy home

Mar 20, 2017 / 11:00 am

By Chuck Duerden If you are looking to enter the housing market — and if you meet the definition of a first-time buyer plus other conditions — the...

RRSPs for a downpayment

Mar 6, 2017 / 11:00 am

You can use your RRSP for all or part of your down payment, but the rules have changed in recent years. If you think you know them, double check here. What is...

How risky do you feel?

Feb 20, 2017 / 11:00 am

There has been a lot of talk regarding fixed and variable rate mortgages and which one is best for you. Prior to the new regulations introduced by FICOM on Oct....

Hike your credit score

Feb 6, 2017 / 11:00 am

How to Increase Your Credit Score Good credit translates into lower interest rates for the borrower. Here are just a few quick tips that can help put you in a...

CMHC premiums rising

Jan 23, 2017 / 11:00 am

CMHC is raising the cost of mortgage insurance effective March 17. This increase will mean an extra $5 per month on average.
 Here are the new...