Owning a Home

Owning a home is considered to be a rite of passage for many Canadians. It symbolizes independence. You set the rules, make the decisions, take financial responsibility and invest in your future. Renting doesn’t give you much control over the property. You are under the landlord’s mercy when it comes to following rules written in […]

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Ask Your Mortgage Lender

Here are some important questions that we recommend asking a mortgage lender before shopping for a new home. They will help find a lender that’s best suited for you and your unique needs. What are your qualifications as a mortgage lender? Ask your mortgage lender how long they have been doing mortgages for. The more experience […]

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Mortgage Renewal

Is it time to renew your mortgage? Learn what a mortgage renewal entails and what you should do before signing on the dotted line. 3-6 months before your mortgage term is complete, most lenders will send you a mortgage renewal notice in the mail. The notice will ask you to check a box to select a […]

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Drowning In Debt

More and more Canadians are drowning in debt. The increased household debt in Canada has become a favourite topic in the media. I’m sure you’ve seen many of the statistics in the news lately and read about the stricter mortgage rules the government implicated. One way to move towards financial freedom is to get rid of […]

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Mortgage Declined

A declined mortgage doesn’t mean you have to lose hope about buying a home. You just have to take the proper steps to make it happen. Here are some common reasons for being declined for a mortgage and the next steps to take. Start by asking why you didn’t qualify for the mortgage. Your lender […]

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Ways to Fix your Credit Score

It is essential to fix issues on your credit bureau before applying for a mortgage. Here are some tips to improve your credit and increase your credit score. The best time to start working on your credit is now, 6-12 months before you apply for a new mortgage. If you’ve had severe credit challenges, it […]

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