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Mortgage Guide: Step-by-Step Home Financing in Canada Before you get too consumed with house hunting, it's a good idea to find a mortgage specialist who can help you get an idea of what home you can afford. It is equally important for you to understand the process....

The Difference Between Interest Rates and Annual Percentage Rates Interest rate and annual percentage rate (APR) are commonly interchanged due to the slight difference between their calculations. Nonetheless, they are different and important to understand when...

What Determines Your Mortgage Rate? Mortgage rates are one of many important factors to keep in mind when purchasing a home. They can have a long-term impact on your home's cost when you finance. If you save a fraction of a percent on your mortgage rate, it could save...

New Year : Financial Planning for Homeowners With 2021 right around the corner, this is usually the time when most of us reflect on the past years and look at ways to improve ourselves and set new goals. While many people focus on developing new year resolutions that...

What Happens to Your Mortgage During a Divorce? Divorces are often messy, painful and complicated. Then you have to add on the extra stress of deciding who owns what.  One of the most complicated issues when going through a divorce or separation is dealing with joint...

Home Equity Loan During COVID-19 Meet Cheryl Cheryl has been a very successful travel agent for the past 12 years. Her success has been based upon the care and exceptional service she provides to her clients, so she never in her career as a travel agent expected to be...

Steve & Connie: How a Private Mortgage Helped During COVID Meet Steve and Connie Steve and Connie have their sights set on retirement life. Their 2020 goals were to get their house ready to sell and find a new home further north of Barrie. With lots of equity in...

Sanjay & Fatima’s Story: Buying a Home During COVID Meet Sanjay and Fatima. This story starts in March 2016. Sanjay and Fatima have been saving diligently for a down payment to purchase a pre-construction condo in Toronto. Sanjay is a manager of a coffee shop in...

Anesha & Shane: Mortgage Refinance Amid COVID Challenges Meet Anesha and Shane. Anesha & Shane are returning clients, with their mortgage maturing April 2020. When our conversation started in November, we had “all the time in the world”. Anesha and Shane not...

Why Now Might Be The Right Time To Buy A Home Can a crisis be the best time to buy? When current world events may lead to an economic slow down, one tool the Canadian Government has on its belt is reducing the interest rate. Making it easier for people like yourself...