Does your credit score keep you up at night? For some, this one detail in their life doesn’t pop up in their mind very much, because they know they’re making good money and paying all the bills on time. When you’re in that boat, it feels pretty good. But when you miss a payment or […]

Having the support and guidance you need when making the largest purchase of your life is invaluable.  Listen and read Rosalia’s interview with Angela and Mannie of The Mortgage Show on CKNW.   1.      How did you hear about us? I was looking for options as a new home buyer and I listen to CKNW […]

  On Tuesday Feb. 20th, the NDP government released B.C.’s 2018 budget. Below are some of the highlights as it pertains to housing and real estate industry. Creating a new speculation tax for vacant homes. The tax will be two per cent of the assessed value of properties in 2019. Increasing the foreign buyers tax from […]

Benefits of Home Ownership? Pride of Home Ownership Pride of home ownership is the number one reason why Canadians desire their own home. There is no landlord looking over your shoulder. You are able to make home improvements knowing that any appreciation that results, will be to your benefit. Home ownership gives you and your […]

The Bank of Canada has raised it’s key lending rate .25% as we had projected it would in our previous email. This is the 3rd increase it has moved its benchmark rate from the once record lows last summer. Bank prime will follow to 3.45% (TD has a higher prime presently) The impact for borrowers is approx […]

With 47 per cent of homeowners scheduled to renew their mortgages this year, 2018 is a year of change for lots of Canadians. Here are the top 8 things you can do to get the best renewal Pull out your mortgage renewal now, and start early. When you are proactive instead of reactive you can […]

Your credit score reflects your financial health. It is represented by a number determined by a mathematical formula. Your credit score helps determine if you are a risk to lenders. And good credit is very important to qualify for a loan. In addition to your ability to pay, a mortgage lender will look at your […]

If you happen to be going through, or considering a divorce or separation, you might not be aware that there are mortgage products designed to allow you to refinance your property in order to buyout your ex-spouse. For most couples, their property is their largest asset and where the majority of their equity has been […]

Variable Rates There is plenty of speculation we will see a raise in the prime rate Jan. 17 – which means variable rate mortgage holders will have an increase to their rate and payment. While we can’t be certain, the numbers at this time appear to support it. We are sending this to you in […]

Check out Angela Calla on Global News as she discusses the new stress test rules and what to look forward to in 2018. Watch here: Open House 2018 Mortgage Outlook with Angela Calla The Angela Calla Mortgage Team gives you clarity on the best mortgage by being transparent, unbiased free mortgage advice with choice. We […]