Author: Gail

blogs

Declutter Your Mind For a Profitable 2020

Famed author, coach and speaker Martha Beck taught us external clutter reflects internal clutter. One way to see this concept is to look for the room in your home that has the most clutter – is it the kitchen, home office, bedroom, or bathroom?  If your home office is a tad cluttered, let’s be honest, […]

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Financial Well-Being for 2020 

  According to BNN Bloomberg, financial stress affects nearly half of all Canadians.  BNN reports 43% of Canadians live paycheque to paycheque while incurring growing debt levels – to read the full article, click here. The distress of poor finances is far worse than just an overextended bank account.  Money woes can lead to illness, […]

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Our Team is Growing

Junior Underwriter Position Full time $39k – $42k base + per deal comp and bonus structure Hamilton, ON in office position I am looking for a motivated individual that is actively in the Mortgage Industry, loves the job but doesn’t want to be self sourcing their business anymore. They want to be part of the […]

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3 Ways to Prepare for Holiday Spending

As the holiday season approaches, panic over increased spending often sets in.  The pressure to buy the perfect gifts, and all the holiday trimmings, can become overwhelming. Don’t worry – take a deep breath and follow these three tips to help manage debt over the holiday season: Trim your Gift Giving List Manage Holiday Guilt […]

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3 Ways to Make Homeownership a Reality.

In the past two years, the mortgage pre-approval process has become challenging.  However, with a little creativity and flexibility, there are ways to ensure a pre-approval and speed-up your homeownership status. With these three steps, you will be on your way to adding homeowner to your list of accomplishments. AUDIT YOUR FINANCES When was the […]

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Get your Mortgage Working for You! 

They say mortgage debt is good debt, and that is true due to the fact you are accumulating equity with every dollar you pay down.  As well, historically, property in the GTA appreciates year-over-year, making your asset worth more with every passing year.  What is important to remember is your mortgage, and your home are […]

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What is your Money Mindset and How Does it Affect your Mortgage?

Your money mindset, positive or negative, will influence every part of your decision-making ability.  If you were taught that money is the cause of endless trouble, you most likely identify with the following phrases: money doesn’t grow on trees you have to spend money to make money money is the root of all evil more […]

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BENEFITS OF USING A MORTGAGE PROFESSIONAL

I don’t  work for any one bank or lender – I work for you!  My goal is to be available to you at your convenience, not just during the 9-5 business hours. My services are free as the lender pays me their fee.  I am the one who shops the market for you – calling me is like calling […]

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CREDIT LINE VS. MORTGAGE – WHAT MAKES THE MOST SENSE

Often, clients ask us whether they should obtain a mortgage or credit line for their purchase, refinance or renewal. First, let’s qualify what we’re referring to with respect to a mortgage and a credit line.  For our purposes, a mortgage has a payment that is blended – both principal and interest are paid in each installment; furthermore amortization […]

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