How much mortgage can I afford? That’s the question that kept me up at night before I bought my new home—the church conversion of my dreams. It’s a low-maintenance condo, which is just the way I like it. (I’m not a puttering-around-the-house kind of gal). While I mulled it over, I turned to countless online calculators that pumped out payment and mortgage amounts, which I gladly used as a guide.

But I couldn’t accept the idea of taking on a bigger mortgage than the one I already had. The deal is done, but looking back, I think the question that concerned me more was: Am I comfortable with the mortgage I need to buy my new digs?

Angela Calla is a mortgage broker based in Port Coquitlam, B.C., and the author of The Mortgage Code, which is a money-saving guide to moving up the property ladder (the stages of homeownership, from initially having a smaller, less expensive place to buying and selling your way into more expensive real estate).

Whether you’re buying your first home, upsizing or buying a second property, she says assessing your affordability is the first step towards homeownership, and it requires more homework than a quick Google search. It’s only once you have developed a clear picture of your personal finances—hopefully with the guidance of a financial planner—that you can make an informed decision about the mortgage you can afford.

“It should be normal practice for people to review their budget, their financial products, their bank statements and think about what their goals are,” she adds. “The difference in people who are more financially successful is not in their actual income. It’s the people who commit the time to review their finances regularly.”

How to calculate mortgage affordability

First, let’s define mortgage affordability. Though it’s sometimes used in reference to the cost of living in a particular city relative to the average income in that area, you should think about it as the amount a bank or financial institution will allow you to borrow based on your income, debt and living expenses.

Your mortgage affordability is based on:

• Your annual income before tax
• Your monthly debt payments, which includes credit cards, loans and car payments
• Housing costs such as property taxes, heat and half of your condo/HOA fees (if applicable). For the latter, only half the amount is used, because condo fees can cover things like property maintenance, insurance and some utilities, which are not used in debt-service calculations for other types of properties.

According to the Canadian Mortgage and Housing Corporation, a mortgage is affordable when your gross debt service (GDS) ratio—which accounts for your housing costs—doesn’t exceed 39%. To be considered affordable, your total debt service (TDS) ratio—which accounts for housing costs as well as other debt obligations—must not surpass 44%.

To calculate your gross debt service ratio:

Add up your housing costs (i.e. your mortgage payments, property taxes, heating and, if applicable, half of your condo fees.
Divide them by your gross income, which is your total earnings before taxes and deductions.
To obtain your GDS in the form of a percentage, multiply the result by 100.
Let’s say your household brings in a combined $130,000 per year, and you expect to pay $3,000 per month on the mortgage for your new single-family home, plus another $500 on property taxes and $150 on heating. In the eyes of lenders, you would have a GDS of 38%.

To calculate your total debt service ratio:

1. Add up your housing costs (mortgage payments, property taxes, heating and, if applicable, half of your condo fees). Also include any other debt obligations, such credit card and line of credit payments (based on monthly payment amounts of no less than 3% of the outstanding balance), car payments, student loans and child or spousal support.
2. Divide the total by your gross income, which is your total earnings before taxes and deductions.
3. To obtain your TDS in the form of a percentage, multiply the result by 100.

Now, on top of your housing costs listed above, let’s assume your non-housing related debts come in at $800 per month (for example, $600 on credit card and line of credit payments and $200 on your car loan). Your TDS ratio would fall within the limit, at 41%.

When it came to buying my own place, I was well within these numbers, but how much I could end up spending on a new mortgage still made me squeamish. Already in my 40s, shouldn’t I be paying off my mortgage instead of adding to it?

“That’s not reality,” says Calla. As difficult as it might be, she says it’s important to not compare yourself to others. Make the decisions that best suit your lifestyle and goals.

The math behind your down payment

In my case, I was selling my condo to finance the purchase of my new home, so I calculated how much I would have for a down payment based on an estimate of my current home’s value.

First, I tallied the costs associated with moving, including real estate agent commissions, legal fees, moving-day expenses, a home inspection and land transfer taxes (living in Toronto comes with paying double the land transfer tax you pay in other parts of Ontario). To calculate closing costs, the rule of thumb is to budget for 4% of your home’s purchase price. A $500,000 home, for instance, would require $20,000.

I decided not to touch my investments or savings to cover these costs, so I subtracted them from the potential profit of the sale. That left me with a down payment of over 20%, which means I didn’t have to pay mortgage default insurance.

Let’s bring the math to life using the example of a 25-year mortgage for a $500,000 home, assuming a 5-year term and 3% fixed interest rate.

Because I was able to make a larger down payment, I knew that would lower my monthly mortgage payments (assuming the same 25-year amortization) as well as the amount of interest I would pay over time. My own calculations suggested I would save at least $50,000 in interest.

The math behind your monthly mortgage payments

Now that I knew how much I could afford, it was time to estimate my monthly mortgage payments. With that amount handy, I would have an informed picture of my cash flow and financial well-being while living in my new home.

Let’s keep with our previous example of a 25-year mortgage for a $500,000 home, offered on a 5-year term and 3% fixed interest rate, to illustrate how a larger down payment can save you money in the long run. You can also use a mortgage payment calculator to help you get started.

While making a larger down payment is a better financial move, Calla believes that securing any mortgage is a smart decision, even when you can only afford to put 5% down.

“With homeownership, over 50% of the payment goes directly into your equity, while with renting, 100% goes to someone else,” she says. “And the gift of today’s low-interest rates gives you the ability to invest in yourself at an unprecedented rate.”

Still, following years of soaring real estate prices, saving for that 5% down payment remains a major hurdle for most people. In some cases, it may make more financial sense to continue renting and not stretch yourself too far. And if buying isn’t immediately in the cards for you, there are other strategies you can use to ensure you stay on track with your financial goals.

The next step: Getting a mortgage pre-approval

Calla strongly recommends getting a mortgage pre-approval before officially putting in an offer. “It’s the only way to gain an understanding of the real risk you’re going to be absorbing and how it’s going to impact your financial future,” she says.

This part of the process finally made me comfortable with the idea of upsizing to a new mortgage. I was able to confirm my financial health with a tally of my assets, a value assigned to my current home, and an informed look at my debts versus my income, which was all necessary info requested by the lender.

The good news is I was approved for a larger mortgage than I needed. And with that pre-approval handy, I was able to make a confident offer.

You can read this article on: MoneySense

Angela Calla is a 17-year award-winning woman of influence which sets her apart from the rest. She is without a doubt, a true expert in her field. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click  here to view the latest news on our blog. 

What Is a Sliding Scale and How It Affects Your Approval

You’re likely aware that the minimum down payment to avoid mortgage default insurance is 20%. What many may not be aware of is that a down payment of greater than 20% down payment will sometimes be required. As house prices rise substantially and people are looking at moving to different areas in the country, it’s an important highlight to consider and plan for during your pre-approval process.

For the most part, 20% will be sufficient. However, there are times where you may encounter a sliding scale, which can increase the minimum down payment requirement substantially. This can catch some people off guard. In the 2021 election has suggested they will make changes to the sliding scale and  earlier in the year many lenders have been making changes to there sliding scale, however it does impact those purchasing or moving up to the over 1 million dollar range, at this moment in time.

What Is A Mortgage Sliding Scale?

A sliding scale is where the minimum down payment changes once the purchase price hits a predetermined threshold. A lender will accept the standard 20% down payment, but only up to a certain value. Once the purchase price exceeds this value, a higher down payment is required on the excess amount. For example, a lender may accept a 20% down payment up to the first $1 million, but may require a 50% down payment for any amount above $1 million. This is what is known as a mortgage sliding scale.

What Is The Purpose Of A Sliding Scale?

It’s directly related to the lender’s risk. The higher the purchase price, the more the value can fall if the housing market were to correct. A sliding scale gives the lender added protection, and therefore reduces their risk. When a market correction occurs, it does not correct evenly. Some areas will see a much larger drop than others. Higher valued properties may also see a larger correction. A $5 million home for example has much more room to fall than an $800,000 home. A $5 million home also appeals to a smaller demographic, and can take longer to sell even in the hottest housing markets.

There are two major factors that can trigger the use of a sliding scale:

1. High purchase price
2. Property location

High Purchase Price

Sliding scale policies will vary from lender to lender, with the more stringent adhering to the example used above. They will allow a 20% down payment only up to the first $1 million of the purchase price, but will require a 50% down payment on the amount above $1 million.

1. This means the minimum down payment to purchase a $1.5 million property would be $450,000.
2. $200,000 for the first $1 million, and then another $250,000 for the additional $500,000.
3. While some mortgage lenders are this strict with their sliding scale policy, most lenders are more flexible.
4. What is the maximum purchase price you can hit without requiring a down payment over 20%?

The higher you go above $1 million, the fewer lending options become available. If you’re purchasing in a major metropolitan area such as the  GVA, GTA you can generally go up to a purchase price of around $2 million without triggering a sliding scale. In some cases even higher. The higher you go, the fewer lending options become available. This doesn’t mean you’ll be paying a higher rate, and excellent mortgage rates may still be available to you. Exceptions can sometimes be made to exceed a lender’s sliding scale limit, however these are granted on a case by case basis. The more demand for the area and the stronger the borrower, the easier it becomes for us to press it higher.

Note that the sliding scale limits may be reduced for condos, and policies will vary from lender to lender. If you are purchasing a condo for more than $1 million, it’s best to check with us first before putting in an offer to purchase.

Property Location

Another major consideration is the location of the property. The further you purchase outside of a major centre, the more stringent the sliding scale may become. In some cases, the sliding scale may start as low as $500,000, which is not uncommon. If you were looking at purchasing a $750,000 cottage for example, the lender may only accept a 20% down payment up to $500,000, with a 50% down payment required for the additional $250,000. This would result in a minimum down payment of $225,000, or 30%. The sliding scale requirements can vary substantially depending on the location.

This is where it gets interesting.

If you are purchasing with LESS than 20% down payment in a rural area, you can go up to $999,999 without running into sliding scale issues. I know this sounds counter intuitive, and flat out defies logic. This is because a down payment of less than 20% requires mortgage default insurance such as CMHC. This gives the lender the additional protection they need and reduces their risk, therefore it eliminates the need for a sliding scale.

Conclusion

It’s not just ‘some’ lenders who have a sliding scale policy. They all do. It doesn’t matter if you’re applying to a major bank, credit union, or monoline lender. They all use sliding scales.

Anytime you are planning on purchasing a property, never assume you’ll be okay because you have a 20% down payment. Part of getting pre approved is providing all the credit, income and down payment verification however every property is unique and subject to approval based on several unique merits  If your budget is over $1 million, you’ll definitely want to check with us first to include the area and types of properties you are planning on making an offer on. By doing so, you ensure we won’t run into any sliding scale complications and at least you will be prepared to adapt the strategy accordingly.

Angela Calla is a 17-year award-winning woman of influence which sets her apart from the rest. She is without a doubt, a true expert in her field. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click  here to view the latest news on our blog. 

Statistics Canada released the October Labour Force Survey this morning, reporting a slowdown in employment growth from the blockbuster pace of recent months. While some commentators were disappointed in the results, I have a more positive take. Canada returned its pre-pandemic level of employment in September ahead of the US and other G-7 countries. The resumption of a more normal pace of job gains was inevitable as we get closer to full employment.

Employment rose by 31,200 (+0.2%) in October, following a jump of 157,000 the month before. Indeed, job growth surged at an average monthly rate of 143,000 from June through September. That is not a sustainable pace of job gains but rather a reflection of the spike in hiring in the immediate aftermath of the lockdown. For example, hiring averaged 23,000 per month in the two years before the outbreak of COVID.

Employment increases in several industries, including retail trade, were offset by declines elsewhere, including accommodation and food services. Employment rose in Ontario and New Brunswick, while it fell in Manitoba and Saskatchewan. Declines in self-employment offset Gains among paid employees.The number of employed people working less than half their usual hours fell 9.7% (-100,000) in October and remained 117,000 higher (+14.5%) than in February 2020. Total hours worked were up 1.0% in October and were 0.6% below their pre-pandemic level.

Among people of core working age (25 to 54 years), employment rose by 53,000 (+0.4%) in October, with all the gains in full-time work. 

Angela Calla is a 17-year award-winning woman of influence which sets her apart from the rest. She is without a doubt, a true expert in her field. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click  here to view the latest news on our blog. 

Can I afford my payments comfortably today?

Taking a look at where we are today will help us prepare for inflation and protect you from being vulnerable. You may be able to modify your payment or find savings within a budget review.

Can I afford to increase my payments now even if rates do not go up?

We always recommend tacking on inflation by making small periodic increases to avoid future payment shock and protect your equity to empower you.

Am I living pay check to pay check?

If you are, maybe this is because of debt outside of your mortgage, breaking your mortgage early to pay out that debt can save you hundred or thousands of dollars per month and turn the tables for you to invest more into your own retirement instead of debt effectively.

Is there a remote possibility I need to break my mortgage term in the next 1-5 years?

The truth is, 4/10 people break their mortgages early, which is why the VRM is SO attractive since you will only pay 3 months interest. People say life is variable so your mortgage should be too.

Does my mortgage keep me up at night?

We all have an emotional connection to the decisions we make financially. Having the best mortgage means you feel confident in your decision as you were educated about the options available, had the power of choice by an unbiased party, and you’ll know you made the best decision for your family. Sometimes, the lender you have your mortgage with will vary greatly in penalties. With a variable rate, you can always lock in, however, there is a cost of security and it’s usually a higher penalty in most cases – if you need to break early.

We are here to help you determine what makes most sense for you. Contact us at 604-802-3983 or Email us and we will help you navigate the current rate market.

Angela Calla is a 17-year award-winning woman of influence which sets her apart from the rest. She is without a doubt, a true expert in her field. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click  here to view the latest news on our blog. 

The Province of BC is in the process on introducing new legislation that requires “cooling off” periods for resale properties and newly built homes.

The introduction of a “cooling off” period for all purchase transactions would mean the end of non-subject offers. Non-subject offers have been extremely common in this insanely competitive real estate market and ultimately puts buyers at great risk. This could be a good sign if we see legislation passed in 2022.

What you need to know about this

• I do not suspect this will result in a reduction of house prices. I do however, believe this will give buyers with less than a 20 percent down payment, the ability to do their due diligence with an appraisal and inspection
• Already in force for pre-sale units
• Other provinces in the the country (Quebec) have similar legislation
• A rescission period for other large purchases like cars, insurance, and other financial sectors are in place to allow consumers to have a due diligence period.

Official Press Release

Global News Link

While this addresses people in the market to purchase – fixed rates are on the rise. If you are looking for a Pre approval or have a renewal in 2022, the time to secure your rate with us is now.

Angela Calla is a 17-year award-winning woman of influence which sets her apart from the rest. She is without a doubt, a true expert in her field. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click  here to view the latest news on our blog. 

Government of BC | Ministry of Municipal Affairs | Tuesday, October 26, 2021

People in B.C. communities will benefit from legislative amendments that give local governments more powers to simplify and speed up their development approvals processes, helping to get the homes people need built faster.

“We are working with local governments, the development sector and housing advocates to streamline local development processes to help get more homes built faster for people,” said Josie Osborne, Minister of Municipal Affairs. “By updating public hearing and certain permit requirements, we are giving local governments more tools to deliver the housing that communities need throughout B.C. This is one important step in the work all orders of government must do to meet housing needs for people in our communities.”

Increasing housing supply is a priority for the Province and these amendments are an important step in that ongoing effort. The amendments will update the Local Government Act to:

• remove the default requirement for local governments to hold public hearings for zoning bylaw amendments that are consistent with the official community plan; and
• enable local governments to delegate decisions on minor development variance permits to staff.

These changes will support local governments to move forward more efficiently on developments, bypassing barriers and speeding up housing approvals. They were identified during consultation with local governments, housing providers and builders, and other stakeholders as part of the Province’s Development Approvals Process Review. These changes will also build on the work of the Local Government Development Approvals Program that is providing $15 million to help local governments create more efficient approvals processes.

“B.C. local governments have been seeking improvements to streamline development approval processes,” said Laurey-Anne Roodenburg, president, Union of BC Municipalities. “These amendments to the current legislation provide new options that align with recommendations in UBCM’s housing strategy, maintain local government flexibility, and will be welcomed by many UBCM members. We will continue to work with the government to seek further improvements to the development approval process.”

To ensure transparency, the proposed amendment for public hearings requires local governments to provide public notice of the rezoning bylaw before the bylaw is considered at first reading by a municipal council or regional district board.

The proposed legislation also makes amendments to streamline the Islands Trust development approvals processes by enabling local trust committees to adopt and amend Development Approval Information bylaws. As well, the Province is proposing changes that will support the City of Powell River’s economic development objectives by removing city-owned lots from the designated mill site area to allow for further development of those lands and support community planning.

This update was first published on The Tri-Cities Chamber of Commerce

Angela Calla is a 17-year award-winning woman of influence which sets her apart from the rest. She is without a doubt, a true expert in her field. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click  here to view the latest news on our blog. 

A new study from Royal LePage has found that homeowners who can afford 20% down payments are much better off in the long run than renters.

In fact, buying a home in Canada with an uninsured mortgage puts homeowners ahead of renters in 91% of cases analyzed.

“Canadians strongly value homeownership for many reasons. Not only is it a great source of pride, it is likely the largest and most significant financial investment most people will ever make,” Karen Yolevski, chief operating officer of Royal LePage Real Estate Services Ltd., said. “Historically, homeownership has been very profitable for Canadians, many of whom have factored their real estate investments into their retirement planning. Owning a home is widely viewed as a means to save money and build equity.”

The Royal LePage-sponsored study was conducted by Will Dunning, an economist and housing market analyst who analyzed 278 scenarios based on city and housing type and took into consideration historical data and future projections. Dunning ultimately determined that owning is a better future prospect than renting.

Despite monthly ownership costs being greater than rental expenses, a mortgage’s principal payment component is a form of saving because it is not a true cost. Moreover, interest payments on the mortgage are greatest in the first month but gradually decrease over the life of the mortgage.

In 253 out of the study’s 278 cases analyzed, the net cost of owning a home, which was calculated by taking the total cost of ownership and subtracting the savings through principal repayment, was lower than rent—the report referred to it as the “ownership advantage,” which was $769 less a month in Q2-2021 than renting. In the 9% of cases in which renting came out on top, albeit only by $245, the ownership homes were in the luxury segment.

“For many people, buying a home—especially the first—is a landmark event and one of the most challenging decisions we’ll make in our lives,” Dunning, president of Will Dunning Inc., said. “It is a decision that is usually based on a lot of hard work. This research tests a belief that is held by a lot of Canadians, that owning is better financially than renting. And, it finds that this belief is very often correct.”

This article was first published on Canadian Real Estate Magazine 

Angela Calla is a 17-year award-winning woman of influence which sets her apart from the rest. She is without a doubt, a true expert in her field. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click  here to view the latest news on our blog. 

The latest Bank of Canada announcement brought some new changes to the market. We’ll attempt to answer some of the pressing questions people may have regarding these latest updates. 

Why are 5 year fixed rates going up?

This is a result of the banks halting the purchase of bonds.  Prior to the latest updates, the rates were artificially low as the banks were buying them to increase liquidity in the market.

Does this impact Variable rates?

No, Variable rates are based on Prime rates which is stable at the moment. However, these rates are expected to rise in 2022.

Are lenders worried that once the rates start rising, people will foreclosure?

No, since B20 mortgage changes in qualifications, people are qualifying at a rate 2% higher. This means they were qualified in anticipation of day rates having to rise.

What does this mean if you are taking a mortgage today?

Fixed rates and Variable rates are still very low.

The spread between taking a fixed and variable will continue to deepen meaning if you take a variable, increase your payments to get the benefits and take away any concerns of payment shock in future.

Remember, there is still a lot of uncertainly in the market, while there is no questions rates are on the rise, the jury is still out for how long or how high with uncertainty being the theme of our future which generally keeps rates low.

Have a solid mortgage plan that gives you the confidence and security in you investment is key, one that has a consistent plan to modify payment with inflation regardless to your selected rate choice.

It’s a great time to review your mortgage, if you or a loved one have,

• a renewal coming up or,
• want to access equity to buy another property,
• do renovations,
• get rid of credit card and line of credit debt to increase your cashflow or,
• going through a life stage change (retirement or separation),

We are here to help you, just a phone call/email away.

Angela Calla is a 17-year award-winning woman of influence which sets her apart from the rest. She is without a doubt, a true expert in her field. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code“, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at hello@countoncalla.ca or at 604-802-3983.

Click  here to view the latest news on our blog.