We know…. Change can feel stressful. The Bank of Canada announced a Prime rate increase of .25% this morning. The increase was expected. The BoC is attempting to cool inflation. We expect at... read more →
Mar
02
Sep
08
When buying a home, there is nothing worse than having your mortgage broker or lawyer call and say “there is a problem”. If you have found your dream home and negotiated a... read more →
Dec
09
On December 8th, The Prime rate in Canada held steady at 2.45%. For the first time ever, the Bank of Canada, has explicitly provided a year (2023) for its next potential rate hike. This is a “projection” the Bank says, and still... read more →
Jun
29
You finally found the perfect house! Your biggest achievement, your biggest asset – how do you keep it safe? Before you purchased your home,... read more →
Jun
05
Everything you need to know and our thoughts regarding these changes: CMHC is not the only Canadian mortgage insurer. We also have Genworth and Canada Guaranty - neither have announced that they are following CMHC with these new guidelines. CMHC predictions around housing are very pessimistic and do not match the Bank of Canada... read more →
Jan
15
If you live paycheque to paycheque, the idea of somehow having enough money to invest and eventually have financial freedom seems about the furthest thing possible. But experts in financial education like to... read more →
Sep
03
We recently announced that our mortgage team will be supporting four charitable causes this year! The decision to take a portion of the commission earned from each closed mortgage in 2019 was an easy one. We all feel very fortunate to... read more →
May
07
An interim or bridge financing loan is a temporary financing option designed to help homeowners “bridge” the gap between the time your existing home is sold and your new property is purchased. It enables you to use the equity in your... read more →
Mar
06
When we tie the knot with our soulmate, we assume it’s going to be forever. It’s pretty much written in the vows. Unfortunately not all marriages have fairytale endings. In fact, a... read more →
Jan
14
Mortgage interest rate seems to be a hot topic in the news. The truth - mortgages and interest rates are not very exciting to anyone except for us! The reality is that... read more →
Nov
15
Congratulations! You are pre-approved. Congratulations! You are formally pre-approved. A pre-approval means that our team has reviewed your mortgage pre-approval application details including including your income, credit scores, debts, savings, and your goals around home ownership. We want you to feel prepared for all of... read more →
Sep
19
Credit scores are intended to help financial risk managers and others make fair decisions on whether or not to “take a risk” on someone. The risk might involve giving that person a loan (will they repay it?), offering a credit card (will... read more →
Sep
17
We are here to help. And did you know that the pre-approval process takes less than one hour? First let’s start... read more →
Jun
27
Regardless of the financial milestones you’re reaching, when it comes to financial progress and credit, it’s important to understand the factors that may impact your credit score. One of the key behaviours that lenders and creditors like to see is on-time payment... read more →
Jun
04
A credit bureau (sometimes referred to as a consumer credit reporting agency) is a company that collects and compiles information regarding your credit history from banks, other financial institutions, and various other bodies such as courthouses and the Office... read more →
May
14
The time is here! You have worked with your realtor or a home builder and now have an accepted offer on a home! First of all, congratulations. We are so excited... read more →
May
08
Reason number one - you simply went to "your bank" and didn't shop around for a lender or mortgage rates the first time! You took the advice of your parents or simply... read more →
May
01
Guest blog by Ali Tisdall, Kahane Law As a real estate lawyer, I sometimes get asked what exactly I do – which is an excellent question, especially if you’ve never... read more →
Apr
23
Whether you are a nervous first time home buyer or a multiple property owning experienced buyer - the rate decision is always a hard one. The first thing you do when decisions are hard - ask... read more →
Apr
16
[minti_headline... read more →
