Every mortgage secured by a property will be registered with the land title office.There are two ways your mortgage can be registered on title: Standard charge or collateral charge.  Not long ago, most lenders registered all mortgages as a standard charge.  In recent years, some lenders – mainly the major big banks – have moved […]

The rule changes came as a surprise to some, but to us mortgage experts, this is the normal cycle in business that makes us grateful to be experts that lead with clarity. The reality is, the announcement is unpopular because it reduces options for some home buyers.     However, I must ask you to consider the […]

On the 3rd of October 2016, Canadian Federal Finance Minister Bill Morneau presented a substantial list of changes to mortgage policy. While the argument has been made that the Canadian real estate market can benefit from new rules meant to temper the hectic influx of foreign money, these regulations will have an impact on local home […]

How does a first timer get into the market? Start with sepaking with a mortgage professional. Read the full article that was published here: http://www.therac.ca/content/sound-creative-solutions-for-first-time-homebuyers   Summary below, The same principles apply in the Vancouver region, says mortgage professional Angela Calla, who is also the host of The Mortgage Show on CKNW Radio. “A one-bedroom condo in […]

Oct 6th 2016 In today’s market many Canadian’s want to know, what options they actually have. Below is a table of 11 examples of approximately what your income qualifies you for in mortgage. Keep in mind if you carry debt outside your mortgage this will decrease your amount and if you’re self-employed you may show […]

 Oct 3rd 2016 Federal Finance Minister Bill Morneau unveiled sweeping changes that will affect all sectors of the housing market, including rules aimed at slowing the flood of foreign money into the market and stricter borrowing qualification requirements from lenders.   The changes can be viewed here: http://www.fin.gc.ca/n16/data/16-117_1-eng.asp This means that borrowers have to qualify at […]

Mortgage Broker Insights: How to Get Clarity and Control with Industry Expert Angela Calla Angela Calla shares valuable insights about mortgage brokers and the help they can provide. As exciting as real estate purchases are, they can be very tricky, especially on the financial side. British Columbia real estate is no exception, especially given the […]

Hello, we recently got this oppertunity for our clients from The W Network for a home renovation show that’s new in Vancouver They are looking for homeowners to appear on a new series airing on W Network! Worst to First There team will transform a home to be the best on the block in only 5 WEEKS […]

Summer Report in Mortgages                Thursday August 18th 2016 Sound, creative solutions for first-time homebuyers  Content from: Mortgages Report Before taking the step from renting to buying, there are additional boxes to check, such as looking at your personal financial situation and getting advice from a mortgage specialist. Not […]

I am really grateful after over a decade of living my passion as a mortgage professional and educator, a wedding and 2 babies later to still be considered a Young Gun again. Its a pleasure to be along side with this Canada Wide list. A HUGE congratulations to my friends who made the list.‪#‎callateam‬    […]