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The Mortgage Gal

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...

Home-owner plan criteria

Jan 9, 2017 / 11:00 am

I have received a number of inquiries about the new B.C. Home Owner Mortgage and Equity Partnership, so thought I would write a follow up to clarify what is...

Down-payment blues

Dec 26, 2016 / 11:00 am

B.C. Home Owner Mortgage and Equity Partnership Program Premier Christy Clark announced on Dec. 15 a new down-payment assistance program to help B.C. residents...

What's your 5-year rate?

Dec 12, 2016 / 11:00 am

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

Need a bigger mortgage?

Nov 28, 2016 / 11:00 am

How to qualify for more under the new mortgage rules With the change of mortgage rules requiring borrowers to qualify at the prescribed or posted interest rate...

Help with kid's first home

Nov 14, 2016 / 11:00 am

Sometimes, our children come to us for money to go out with friends, buy clothes, computer stuff or games and and the more they ask, the more we realize that we...

Brokers save you money

Oct 31, 2016 / 11:00 am

5 reasons to use a mortgage broker There are a lot of good reasons to work with a mortgage broker when you’re buying or refinancing a home. To help you...

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