First Time Home Buyers – Here are the Top 5 Questions you should ask yourself when you are starting to look for your new home. Purchasing a new home and applying for a Mortgage can seem quite overwhelming even for the veteran home owner. Before I start the pre-approval process with my clients we always […]

Using a Mortgage Broker When You Buy Your Home What will a mortgage broker or agent do for you? Getting a mortgage is often the largest financial commitment Ontarians make and many homebuyers find that there are several benefits to using a mortgage broker or mortgage agent. Mortgage brokers/agents provide options and information to guide […]

BIG CHANGES MEAN BIG OPPORTUNITIES It’s really how you embrace the change As many of you may know, on Monday October 3, 2016 the wise and all-knowing Canadian Government dictated that they will be again be changing the horizon of the Canadian Housing Market.  These changes start to take place on Monday, October 17, 2016 […]

Your home is your biggest asset and really, there is no place like home – especially yours.  Today 51% of Canadians are carrying debt into their retirement.  91% of our Canadian Boomers have said that they want to stay in their home or neighbourhood and live independently as long as possible. Oh, retirement.  It is […]

Changes to down payment requirements coming February 15, 2016 On February 15, 2016, the changes Finance Minister Bill Morneau has made to the minimum down payment for home purchases in Canada will officially come into effect.   The focus has been brought to homes in the price range of $500,000 and $999,999.00.   This is great news […]

The Fight Against Mortgage Fraud   The largest investment you and most Canadians will make in your life time will be the purchase of your own home.  Regardless if it is your first home or 4th, you go to great lengths to ensure that you feel safe in your home.  You insure your home from […]

10 Easy Tips to Follow Between Your Mortgage Approval and the Closing Date of Your New Home   You’re ready!  You have found your new dream home.  You have been approved for the mortgage and signed all of the paperwork.  All that is left to do, is to count down the days until you move […]

Monday, April-28-14 Changes are on the Horizon again with CMHC As many of you may know on May 1, 2014 all Default Insurance Premiums will be increasing.  This was initiated by CMHC but both Genworth and Canada Guaranty will stay in-line with the CMHC guidelines.  As of May 30, 2014 there will be additional changes […]

  In today’s economic climate of tighter credit requirements and increased unemployment rates taking their toll on some Canadians, there’s no doubt that many people may not fit into the traditional banks’ financing boxes as easily as they may have just a year ago.  Your best solution is to consult your mortgage professional to determine […]