Many Canadians experience credit issues, and there are many factors as to why a person may have bad credit. Maybe you lost a job, or there was a time in your life when you weren’t able to pay the bills. Whatever the reason, it does take some time to get your credit back on track. [...]

The time has come - you’ve seen over 20 houses in the last couple of weeks and you have now found your dream home. You think to yourself, “this is the one; we cannot lose this deal.”  With the market being so competitive, sometimes the difference between a firm and a conditional offer can be [...]

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 more you understand, the less likely there will be unexpected surprises! No one likes these… [...]

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 determining the cost of a loan.  Read on to learn more about the difference between interest rates and annual percentage rates and what each means. Mortgage Interest Rates [...]

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 homes cost when you finance. If you save a fraction of a percent on your mortgage rate, it could save you thousands of dollars in the long run. Of course, you [...]

With 2021 right around the corner, this is usually the time where 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 revolve around fitness and dieting, it may be a smart decision to put your [...]

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 debt, and more specifically, your mortgage. When getting a divorce, couples aren’t only dividing assets, but they’re [...]

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 only needed to deal with the renewal, they also wanted to take this time to consolidate some accounts they had balances [...]

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 Toronto and Fatima is a flight attendant for a major airline, and after diligent searching, they finally found [...]

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 their home, and the lower purchase prices in northern communities, they were dreaming of being mortgage [...]