Every day, my goal is to take your mortgage off your mind. Nobody wants to get a mortgage, they only get one so they can buy a home. Finding the perfect home is what you should be focused on. I put your mortgage on my mind so it’s off yours.
So, you’re ready to take on a mortgage and invest in your dream home. First of all, congratulations! This is a huge step to take that often requires plenty of research and effort in advance. However, the question of that initial mortgage appointment remains, whether with an experienced broker such as myself or through your […]
These are very interesting times that we currently live in, to say the least. With that, of course, comes a desire to change with them for cost-saving or future-planning reasons. I see it all the time in the clients who come to me for assistance with their mortgages. Lately, quite a few of them have […]
What is a mortgage renewal? With a mortgage comes a mortgage renewal. Mortgages are typically offered with terms up to ten years. When your term is finished, your rate expires and it is time to negotiate a new rate. Many Canadians spend a great deal of time shopping around to find a favourable rate when purchasing […]
Renovating a fixer-upper is easier than you think with a Purchase Plus Improvements (PPI) mortgage. There is a lot of appeal to purchasing a fixer-upper. It is often a better value and allows you to customize your home; you can purchase a home at a lower price, make home improvements, and increase your home's value. […]
When buying a home and getting approved for a mortgage, it's important to review any major changes with your mortgage broker first to assure that it will not affect your mortgage approval. 5 Things to avoid Before Your Closing Date When Buying a Home Changing Your Employment Even if a promotion is available, […]
There are many terms you will hear during your mortgage process. Some terms will be straight forward and other terms may not be. Here are three important mortgage terms you should know. They are prepayment, porting and assumable. Prepayment, Porting and Assumable Prepayment: Prepayment is the amount that a lender will allow you to pay, […]
The mortgage process can sometimes be a little confusing or overwhelming. In addition to your personal finances, mortgage rules and lender guidelines are always changing. However, focusing on the five Cs of credit can help. There are five key areas that are reviewed with a credit application and they have become known as the five Cs […]
A surprising 60% of mortgage holders break their mortgage during the term. When a mortgage contract is broken a lender typically will charge a penalty. There are many reasons why someone may need to break a mortgage. This post reviews the top reasons people break their mortgage. Top 8 Reasons People Break a […]
Porting a mortgage can be a great option when moving to a new house as porting can help you avoid a penalty from breaking your current mortgage. I am able to assist with porting and love helping clients through the process. There are are a lot of important points to know when porting a mortgage. […]
