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Taking the “Stress” out of the “Stress test”

Taking the “Stress” out of the “Stress test”
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Pre-approvals know before you make an offer

Pre-approvals know before you make an offer

 Pre approvals… can you trust the advice you have been given? How many times have I had new clients walk through my door frustrated because their bank told them they were pre-approved for a new mortgage; and after presenting their accepted offer hearing they do not qualify for the mortgage they were told they could […]

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Variable rate vs Fixed rate Mortgages

Variable rate vs Fixed rate Mortgages

Variable Rate mortgages and the crystal ball….. December 12, 2018 I often wish my office was equipped with a crystal ball….  One that would tell me what interest rates are going to do.  So I could be the hero in all mortgage transactions.   I have been surprised by the amount of clients calling asking if […]

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Need to Pay off Debt?

Need to Pay off Debt?

Can you use your home to help pay off debt? YES, this is called a refinance  How? Even if you haven’t paid off a significant amount on your mortgage, or it is a fairly new mortgage (within the last 2 years), you have equity. Equity is obtained by 1 of 2 ways, paying your mortgage […]

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book an appointment

book an appointment

We are looking forward to scheduling a meeting with you!  First step is to complete our online application.  This gives us permission to review your credit as well as it allows us to see a snapshot of your current situation so we can advise you appropriately.  There is also a note section in which you […]

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New mortgage rules 2018 “Stress Test” and how it affects your borrowing capability

New mortgage rules 2018 “Stress Test” and how it affects your borrowing capability

What does all this mean to borrowers? Many of the changes that are coming in January 2018 have already been implemented with insured mortgage back in Oct 2017.  The new guidelines are not affecting borrowers who are putting less than 20% down (these are insured mortgages), the rule changes will affect those who are putting […]

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Refinancing Plus Improvements

Refinancing Plus Improvements

We recently told you how refinancing your mortgage can help you find the money needed to make home upgrades, implement new energy saving products or redesign completely. Yet still, you may have been led to believe that you cannot refinance because you purchased at a time that gave you fewer options to gain equity.   […]

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Home Renovations ARE in your Budget

Home Renovations ARE in your Budget

There are many reasons for home renovations, all of which can either make or save you money in the long-run.  With our refinancing options you can increase your home’s resale value and decrease ongoing expenses. There are no excuses to keep putting your renovation dreams on hold.   How it Works Refinancing will allow you to pull out equity which can be […]

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December 2015 Real Estate Market Analysis Numbers Are In.

December 2015 Real Estate Market Analysis Numbers Are In.

  Thanks again To Jim Schroeder from Select Marketing for putting together his  monthly analysis and allowing us to share these numbers with all of our clients. The story continues. All market segments remain strong. The inventory numbers are also interesting – in 2013 there was an average of 834 s/f homes on the market […]

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The Spirit Of Giving

The Spirit Of Giving

The spirit of giving can be felt everywhere this time of year. This year especially as we all have watched the global struggles of others increase, we are feeling thankful for all that we have here in Canada. Watching as the refugees de-plane at various Canadian airports with the outpouring of support in true Canadian […]

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