As a mortgage professional, I know that there is more to the perfect mortgage than a low rate. It seems the Toronto Star has also figured it out in their article “Bargain-basement mortgage rate may not be what you want” and they correctly point out, brokers can help consumers make an informed choice. “Brokers say […]

Principal Residence home equity & sale proceeds along with TFSA’s are the only tax free investments. Higher TFSA limits might mean some people will stop overreaching on home purchases as a way to stash cash, knowing they’ve got another tax-free haven for their money. Click HERE to view the full Financial Post article Here’s a […]

Ten rules for switching banks because you’re mad about service fee hikes.  Click HERE to view the full Globe and Mail article You may be angry about rising service fees, but banks are pros at riding out storms. Ready to toughen up as a customer? Then check out the Personal Finance column’s 10-point Mad as […]

Here are 3 easy steps to help you gain clarity and why a subject period with ample time is essential for your new home purchase:   Pre –Approval– This is where a credit application, a few income confirmation documents and a discussion about down payment will be required.   This will allow us to see what […]

Your ‘beacon score’ is an indicator for a lender as to whether a client is likely to make payments on time and in full. Beacon (credit) scores are sometimes referred to as FICO scores, and both names are derived from the credit bureaus that developed the scoring system. Keeping track of this important number is […]

Thinking of giving your landlord  a notice? Test drive a mortgage payment #callateam read & share In both rising markets and softer markets there will be many people contemplating making a move to a larger home and with that larger home often comes a larger mortgage. Last month’s newsletter offered technical tips to help prepare […]

Can you trust your financial adviser? Ask these 3 questions to find out: Click Here to read the full article How people are compensated and what long term plan they have for you are the most important fundamentals to your long term success. To get the best mortgage plan and get an ongoing mortgage plan- […]

Buyers have choice & power.Buyers should walk away from bidding wars, and say they will only consider an offer if the first one does not go through so they don’t participate in inflating the market.Removing the emotion is key, and having a strategic plan with a realtor of integrity is fundamental in this plan one […]

BC Living highlights the top five reasons to do so NOW Here are the five reasons: the prime rate has dropped; first-time home buyers have an advantage; seller’s market means plenty of options; a timely renewal could save you BIG money; and lenders are competing for your attention. Find the full article here Questions on determining the […]