Time for a Financial Plan Review

General Angela Calla 16 Nov

Here are the 4 top benefits we have seen our mortgage clients gain from it these past few months.

1.            Finding the Money without making any investments but simply moving existing investment funds to the right place.  We had a client that went from having to pay taxes, to getting a refund! They used this to pay down their mortgage being subject to higher rates upon renewal, the balance will now be reduced, helping them achieve freedom sooner and lower future payments.

2.            Lower Insurance Costs I did this myself in the summer savings an extra $1,200.00 per year and got more coverage! 

3.            Getting Grants Set Up Properly opening of a First Home Savers Account gives you the full benefit allowance to carry forward to help buy your first home any First Timer who hopes to buy in the next 15 years using this new Federal Grant available. That is only one example, our planning partners have been able to help our clients obtain years of disability tax credits they didn’t know they had access to, in most recent months a $10,500.00 lump sum was paid to one of our mortgage family clients which helps if you or your children have a disability. We leaned most people who qualify for this let the money go unclaimed as they get no guidance.

4.            When Doing A Creation/Review of a Potential Plan for a client who was up for mortgage renewal living paycheck to paycheck with nothing being able to be saved for retirement they learned they had a transferrable pension from a previous employer over 10 years ago for over $50,000.00 that they would lose the option to transfer after by their 55 birthday which was quickly approaching, thankfully that was able to be obtained to maintain its value and in the hands of the individual to now save for retirement.

To have an introduction kindly email callateam@countoncalla.ca with the best phone number to reach you at and we will have them reach out to you directly.

Angela Calla is an 19-year award-winning woman of influence which sets her apart from the rest. 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 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. 

I CAN’T PAY MY MORTGAGE! What can I do?!

General Angela Calla 16 Nov

Can’t pay your mortgage and need to review your options?  Have a listen to Angela Calla on Mom Talk.

Finances are tighter for everyone, the cost of living is up but the wages just don’t seem to match. Despite feeling capable when you first bought your house, things are unexpectedly different now. Interest rate hikes, for example, can impact your ability to make regular mortgage payments, potentially harming your credit score and putting your home at risk of repossession. But don’t panic! There are options available to help you get back on track. Have a listen to Angela Calla on Mom Talk sharing her valuable insights on what to do if you can’t pay your mortgage, and what to ask your bank when renewing your mortgage.

 

Angela Calla is an 19-year award-winning woman of influence which sets her apart from the rest. 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 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. 

Smart Money: Saving For a Down Payment with Incentives

General Angela Calla 9 Nov

HOME BUYERS PLAN

What it is: Use up to $35,000 of your RRSPs (registered retirement savings plan) toward your down payment.  Those funds have to be repaid back within 15 years.

Benefits:  Any funds you contribute are tax-deductible.

How to use it: If you’re palling to save the max ($35k) over 5 years, save $134/week.

How to bump up your savings: With any tax returns you receive from your RRSP contributions, deposit them into your RRSP to boost your savings and increase your tax deductions from the next year!

Bonus:  If you employer has an RRSP matching program, opt in and you’ll see your savings grow twice as fast!

FIRST HOME SAVINGS ACCOUNT

What it is:  Contribute up to $8,000 annually with a lifetime contribution limit of $40,000.  Any unused contribution room can carry forward to the following year up to a maximum of $8,000.

Benefits:  Any withdrawals are tax free like a TFSA and like an RRSP, any funds you contribute are tax-deductible.  Invest the funds and watch them grow!

How to use it: To maximize the annual contribution, save $153/week.

How to bump up your savings: With any tax returns you receive from your FHSA contributions, deposit them into your FHSA to boost your savings and increase your tax deductions for the next year!

THE BOTTOM LINE

In total, using both these programs to their full potential could gain you $75,000 to use towards your down payment on your first home!

Over 5 years, saving $287/week will get you $75,000 for a down payment!

While that’s not realistic for everyone, contributing anything is going to have tax benefits and investment earnings over time.  If home ownership is on your vision board, it’s time to start taking advantage of these programs and grow that down payment!

Need more information?  Reach out to us at callateam@countoncalla.ca or 604-802-3983.

Angela Calla is an 19-year award-winning woman of influence which sets her apart from the rest. 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 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. 

November Newsletter

General Angela Calla 7 Nov

Welcome to the November issue of my monthly newsletter!

As we get closer to the end of the year, we have some tips for your upcoming mortgage renewal, plus how to winterize your home!! Also, hear the economic forecast straight from our Chief Economist, Dr. Sherry Cooper.

Mortgage Renewal Benefits

Is your mortgage coming up for renewal? Do you know about all the incredible options renewing your mortgage can afford you?

If not, I have all the details here on how to make your mortgage renewal work for you as we start to think about 2024.

Get a Better Rate
Are you aware that when you receive notice that your mortgage is coming up for renewal, this is the best time to shop around for a more favourable interest rate? At renewal time, it is easy to shop around or switch lenders for a preferable interest rate as it doesn’t break your mortgage. With interest rates expected to come down as we move into the New Year, taking some time to reach out to me and shopping the market could help save you money!

Consolidate Debt
Renewal time is also a great time to take a look at your existing debt and determine whether or not you want to consolidate it onto your mortgage. For some, this means consolidating your holiday credit card debt into your mortgage, for others it could be car loans, education, etc. Regardless of the type of debt, consolidating into your mortgage allows for one easy payment instead of juggling multiple loans. Plus, in most cases, the interest rate on your mortgage is less than you would be charged with credit card companies.

Start on that Reno
Do you have projects around the house you’ve been dying to get started on? Renewal time is a great opportunity for you to look at utilizing some of your home equity to help with home renovations so you can finally have that dream kitchen, updated bathroom, OR you can even utilize it to purchase a vacation property!

Change Your Mortgage Product
Are you not happy with your existing mortgage product? Perhaps you’re finding that your variable-rate or adjustable-rate mortgages are fluctuating too much and you want to lock in! Alternatively, maybe you want to switch to variable as interest rates start to level out. You can also utilize your renewal time to take advantage of a different payment or amortization schedule to help pay off your mortgage faster!

Change Your Lender
Not happy with your current lender? Perhaps a different bank has a lower rate or a mortgage product with terms that better suit your needs. A mortgage renewal is a great time to switch to a different bank or credit union to ensure that you are getting the value you want out of your mortgage if you are finding that your needs are not currently being met.

Regardless of how you feel about your current mortgage and what changes you may want to make, if your mortgage is coming up for renewal or is ready for renewal, please don’t hesitate to reach out to me! I’d be happy to discuss your situation and review any changes that would be beneficial for you to reach your goals; from shopping for new rates or utilizing that equity! I can help you find the best option for where you are at in your life now and help you to ensure future financial success.

Winterizing Your Home

We Canadians are no strangers to the chill of the winter season!

As we shift into the final few months of 2023, now is a great time to check your home before the cold front hits. Below I have included a few tips that could help you save on bills, prevent future repair costs, and be more comfortable all winter long.

  • Inspect Your Fireplace: There is no better time than now to have your fireplace inspected to ensure optimal efficiency and heat output. Whether you have a wood-burning, gas, or electrical fireplace, proper maintenance can go a long way for your heating bill!
  • Maintain Your Furnace: While you’re having your fireplace inspected, don’t forget to maintain your furnace! If your furnace is getting up there in age, you may want to also consider replacing it as typically newer furnaces are more efficient than the previous generation, which could help save on energy costs. Either way, ensuring your furnace is in working order will guarantee top output and a cozy winter!
  • Clean The Gutters: The last thing you want is your gutters to be clogged when the snow hits! Cleaning your gutters from Fall leaves and other debris will help ensure proper drainage for melting snow. For those who want to go the extra step, consider gutter guards which can help keep out unwanted objects from your gutters.
  • Examine Your Roof: While you’re prepping your gutters for the winter, it is a good idea to also examine your roof. A few things to look for include broken or missing shingles, damaged flashing, staining from water leakage, and ventilation.
  • Consider a Programmable Thermostat: According to experts, a degree drop in your home temperature can measure up to 1% on your heating bill. For those of us who don’t like to have cold feet all season, smart thermostats are a great way to keep warm and optimize your energy savings! Ideally, you want to set your thermostat to turn on in the morning, off when you go to work, and back on in the evening to ensure a toasty welcome.
  • Insulate Windows: Always be sure to check your windows for any gaps or water leakage and get them resealed as soon as possible. If you live in a particularly cold location, consider swapping out your windows to double-paned glass for an added layer of insulation. Another tip to keep the cold from seeping in through your windows is swapping out your curtains for a heavier, thermal-lined set which can do wonders!
  • Check Your Pipes: Checking pipe joints for leaks that could cause rot and damage will save you trouble in the future. Repair any cracks you find, especially those around electrical outlets and alarm system lines. You can also consider foam pipe insulation, which is fairly easy to install and could help prevent energy loss and potential water damage from frozen pipes.
  • Stock Up on Supplies: There are a few things you might want to consider stocking up on ahead of time for the winter season, such as flashlights and batteries, ice melt, extra pet food and canned goods, and an emergency storm kit that includes an extra flashlight, candles, portable radio, water, and snacks.

With a little preparation, you can keep your home in good shape without needing to feel the cold bite of winter!

Economic Insights from Dr. Sherry Cooper

The Canadian economy is showing continued signs of slowing as inflation decelerates. This opens the door for a continued pause in rate hikes. Indeed, with any luck, the Bank might have finished its tightening cycle.

One more rate hike is possible, especially if continued Middle East tensions lead to a sustained oil price increase, but the odds are against it.

This does not suggest, however, that interest rates will decline anytime soon. Headline inflation in September was posted at a 3.8% year-over-year pace, well above the Bank’s 2% target. Wage inflation remains at roughly 5%, and inflation expectations remain high.

However, the economy is slowing, and excess demand in labour markets is waning. Third-quarter economic growth is likely to be less than 0.5%, and leading economic indicators are pointing to a further slowdown in the final quarter of this year and the first quarter of 2024.

Canadian consumers, weighed down by record debt loads and high prices, are tightening their purse strings. Savings rates have fallen, and retail sales per capita have slowed markedly. Sales were down in six subsectors: car dealers, furniture, electronics, and appliance retailers.

Canadians are quickly rolling back their purchases of goods as more households face mortgage payment renewals. The Bank of Canada consumer survey suggested that families expect more adverse effects ahead as an increasing volume of mortgages come due for renewal or refinancing.

Businesses are also tightening their belts as the recent Bank of Canada Business Outlook survey showed considerable weakness. The Bank is counting on softening demand to translate into a slower inflation rate in the coming months.

I expect the central bank to cut interest rates in mid-2024, gradually taking the overnight policy rate down. In the meantime, housing markets will continue seeing a surge in new listings and more favourable buying opportunities.

 

Angela Calla is an 19-year award-winning woman of influence which sets her apart from the rest. 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 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. 

Coles Notes at Mortgage Conference from Economists

General Angela Calla 19 Oct

Cole’s Notes on our Annual MPC conference

Inflation is a lagging indicator

Bank of Canada will choose a recession over high inflation (Central Banks worldwide are seen as inflation fighters)

Bank of Canada would rather overshoot (increase more than needed and/or stay higher for longer than needed) despite the economic risk that presents

Currently, the odds of BoC overshooting is 80%

GDP is down 3% on a per capita basis right now

Immigration and $165 Billion in excess savings have saved the economy up until now

Savings have been depleted and people are relying more on credit resulting in more effective monetary policy re higher rates.

With GICS offering over 5%, even those with savings aren’t spending as much as they look to buy GICs with higher returns than what we have seen for years

Spread between BoC and US Fed Reserve is currently only 25bps where typically the spread is 75bps (with Canada being lower)

BoC is more effective with rate increases as Canadians carry more debt and are subject to rate increases sooner (US has 30 year rate terms while we are typically 1-5 year fixed)

Canada has the lowest rate of inflation of the G7 nations (due to our high debt loads and shorter rate terms)

During Covid, about 80% of inflation was driven by supply chain issues – these are now resolved – monetary policy has no impact on supply chain. Retailers used supply chain as an excuse to increase prices and improve profits

Today, 80% of inflation is cause by demand making monetary policy more effective and retailers profit margins are shrinking

80% of the cost of services is wages – labour market is finally normalizing and wage growth is slowing. Fewer people are quitting jobs and changing industries.

Predictions:
Ben predicts that if month over month inflation today comes in at > 2%, expect a rate increase on the 25th – said as of yesterday, odds are 50/50

He expects the overnight rate will settle around 3% (currently 5%) with the first decreases beginning in Jun/July 2024

57% of ALL mortgages in Canada renew in 2025/2026- Rates MUST come down or we are in deep trouble

Expect prices to be under pressure over the next 6 months. More listings with fewer qualified buyers

Don’t expect to see improvements to affordability

Foreign Student population is mis-counted by 250,000 people – when asked where their primary residence is by Stats Can, many report their home country despite living in Canada AND, it’s assumed they will leave the country within 30 days of student visa expiring. Some leave, but many remain applying for extensions, PR, work permits – this accounts for another approx. 750,000 people not being counted

Unless the government gets a handle on housing, there could be rental strikes, civil unrest, increased anti-immigration sentiment. Removing GST on purpose built rentals helps, but not enough. Projects (rental and owner-occupied) suffer lengthy delays exacerbating issues.

 

Angela Calla is an 19-year award-winning woman of influence which sets her apart from the rest. 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 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. 

Speaking Engagements – Angela Calla Mortgage Team

General Angela Calla 18 Oct

This October The Angela Calla Mortgage Team was speaking with a group of lawyers whom areas of practice range from

Real Estate Conveyancing, Family Law, Wills & Estates and Corporate Law

In this high level overview of our everchanging economic market we discussed

How lenders determine and offer interest rates

What the difference is among lenders and how that impacts borrowers long term

How those who are Navigating Divorce can find better solutions and work on what matters for there future qualifications.

How Self Employed Canadians don’t have to put purchases on hold and are ready sooner rather than later with the right mortgage product, and math breakdown.

How Debt Consolidation benefits borrowers cashflow

How a Reverse Mortgage can best to utilized as a wealth building and protecting tool, to navigate divorce, help children, help business owners, and cover healthcare needs while

Why Mortgage Insurance s offered from lenders, broker and planners and how they differ. Also its usage with Buy & Sell Agreements and review in Divorce /Estate Planning

What the banks agenda is with certain offerings vs actual consumer value.

Private Mortgages, when should someone not take them, or when should they.

If you are a professional firm who advises clients on any of the above, please reach out to us directly for educational opportunities for the clients you support to improve the financial literacy of our community

 

Angela Calla is an 19-year award-winning woman of influence which sets her apart from the rest. 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 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. 

Legislation introduced to rein in short-term rentals, deliver more homes for people

General Angela Calla 16 Oct

Legislation introduced to rein in short-term rentals, deliver more homes for people

 

Turning short-term rentals into homes for people is at the core of newly introduced legislation to regulate the rapidly expanding short-term rental market.

“Anyone who’s looking for an affordable place to live knows how hard it is, and short-term rentals are making it even more challenging,” said Premier David Eby. “The number of short-term rentals in B.C. has ballooned in recent years, removing thousands of long-term homes from the market. That’s why we’re taking strong action to rein in profit-driven mini-hotel operators, create new enforcement tools and return homes to the people who need them.”

Short-term rental listings on online platforms (which may include, for example, Airbnb, VRBO, Expedia, FlipKey) have expanded rapidly over recent years. Data shows that it continues to surge since the COVID-19 pandemic. B.C.’s short-term rental market is now at an all-time high, diverting thousands of long-term rental homes onto the short-term market. Currently, there are approximately 28,000 daily active short-term rental listings in B.C., an increase of 20% from a year ago. Data indicates that more than 16,000 entire homes are being listed as short-term rentals for the majority of a calendar year.

“The short-term rental market is creating serious challenges in B.C. and around the world,” said Ravi Kahlon, Minister of Housing. “Operators with multiple listings are taking homes off the long-term market to make big profits while people pay the price – it can’t go on like this. The legislation is comprehensive and designed to target areas with high housing needs. It’s strong action and a thoughtful approach to tackle the growing short-term rental challenge and deliver more homes for people.”

The short-term rental market in B.C. is dominated by a small segment of profit-driven operators. Research from McGill University shows the top 10% of hosts earn nearly half of all revenue. Nearly half of all operators have multiple listings. Approximately 30 municipalities, including Vancouver, Victoria and Kelowna, have introduced short-term rental bylaws and licence fees to regulate the short-term rental market. The proposed legislation builds on those bylaws and equips municipalities with more enforcement tools.

The legislation focuses on three key areas:

  • increasing fines and strengthening tools for local governments;
  • returning more short-term rentals to long-term homes; and
  • establishing provincial rules and enforcement.

Changes to how short-term rentals operate will come into effect through a phased-in approach and will include:

  • Increasing fines and better tools for local governments:
    • increasing fines for operators breaking local rules to support local municipal bylaws, and requiring short-term rental platforms to share data to strengthen local enforcement;
    • requiring online short-term rental platforms to share their data with the Province, so the Province can provide that information to local governments for enforcement and support of provincial and federal tax auditing;
    • requiring short-term rental platforms to include businesses licence numbers on listings where they are used by a local government, and to remove listings without them quickly to ensure local rules are being followed; and
    • giving regional districts the ability to issue business licences so they can more effectively regulate short-term rentals in rural areas.
  • Returning more short-term rentals into long-term homes for people:
    • requiring short-term rentals in B.C. to be offered only in the principal residence* of a host in municipalities with a population of 10,000 people or more
      (*principal residence plus one secondary suite or laneway home/garden suite on the property is allowed);
    • forthcoming regulations will specify areas exempt from the principal residence requirement, including 14 resort regions, mountain resort areas, municipalities under 10,000 population (except those within 15 kilometres to larger municipalities), and regional district electoral areas; and
    • removing legal non-conforming use protections for short-term rentals being taken advantage of by investors to support local governments’ efforts to set rules about where these units can operate in communities.
  • Establishing provincial rules and enforcement:
    • establishing a provincial host and platform registry by late 2024 for stronger accountability; and
    • launching a provincial short-term rental compliance and enforcement unit to make sure rules are being followed.

Updating how short-term rentals are operated and enforced will contribute to thousands of homes being returned to the market over the next few years, while giving smaller communities and communities that are heavily reliant on short-term-rental-related tourism some flexibility. These areas will be able to choose to opt into the principal residence requirements depending on housing pressures in their communities.

Communities on First Nations reserve land will be exempt from the legislation. Modern Treaty Nations will also be exempt from the legislation but will be able to opt into the legislation, if desired.

This proposed legislation will not apply to hotels and motels. Regulations are also being drafted to exempt additional types of properties, for example, timeshares and fishing lodges, which are not intended to be covered under the scope of the legislation.

This legislation is part of the Province’s Homes for People action plan. Announced in spring 2023, the plan builds on historic action to deliver housing since 2017, and sets out further actions to deliver the homes people need faster, while creating more vibrant communities throughout B.C.

Read more here: https://news.gov.bc.ca/releases/2023HOUS0060-001598

 

Angela Calla is an 19-year award-winning woman of influence which sets her apart from the rest. 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 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. 

Understanding Your Mortgage Payments

General Angela Calla 10 Oct

Mortgage Payments:

 

📌Monthly mortgage payments are the most standard, and lenders use this common payment to calculate the amount you would pay on other schedules. But choosing another option can shave time off your mortgage and thousands from your interest costs. 💰💡

 

📌 Semi-monthly means you will divide your monthly mortgage payment in half and pay that amount twice a month. 📅✌️

 

📌 Biweekly means paying 26 payments yearly, once every 2 weeks. For 3 months each year (usually), you’ll need to make 3 payments in a month. ⏰💰

 

📌 Biweekly Accelerated means you’re paying 26 payments each year, with an extra monthly payment added into the calculation and spread out over the year’s payments. For 3 months each year (usually), you’ll need to make 3 payments in a month. On average, this payment method can take your amortization from 25 years to 22.5 years. ⚡️💸

 

📌 Weekly means you’re paying 52 payments each year, which is once a week. 🗓️📆

 

📌 Weekly Accelerated means you’re paying 52 payments each year with an extra monthly payment added into the calculation and spread out over the year’s payments. On average, this payment method can take your amortization from 25 years to 22.5 years. ⚡️📆💸

 

Have any mortgage related questions? I’m happy to help. 😀

 

Angela Calla is an 19-year award-winning woman of influence which sets her apart from the rest. 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 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. 

Angela Calla on Global News

General Angela Calla 26 Sep

With Wednesday’s relief of the Bank of Canada holding rates, here is a quick segment we did on Global News if you missed it (watch here).

Our hope is that with this pause we will also see a little bit of relief with fixed rates in upcoming weeks, before we evaluate what the Banks of Canada decided to do In October and December.

1 in 5 Canadians will have a mortgage renewal upcoming in 2024, so starting to plan now is ideal.

If you or a loved one have questions on a mortgage, please reach out to us directly by replying to this email or calling us at 604-802-3983 for personalized mortgage advise.

 

Angela Calla is an 19-year award-winning woman of influence which sets her apart from the rest. 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 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. 

CMHC’s Eco Improvement

General Angela Calla 26 Sep

Apply for a partial premium refund of 25% if you’re CMHC insured and working on energy efficient renovations to your recently purchased home.

CMHC Eco Improvement aims to reduce the environmental impact of housing by supporting energy-efficient improvements. Apply for a 25% partial premium refund if you’re insured with CMHC and you’re spending at least $20,000 in energy efficient renovations. The program is available for both home buyers and individual condo buyers.

It aligns with CMHC’s commitment to combat climate change and the Canadian government’s goal of carbon neutrality by 2050.

Read more here: CMHC’s Eco Improvement

 

Angela Calla is an 19-year award-winning woman of influence which sets her apart from the rest. 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 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. 

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