Approximately 68% of Canadians own their own home. Congratulations – you are one of them! You got the keys, unpacked, and had a chance to take it all in. What an amazing place to be. You may be asking yourself if your relationship with your mortgage broker ends after closing day? To us, it is […]
Your home is the biggest and most significant purchase you will make in your life. Is the person helping you do this important? In two words – You Bet. It’s all about understanding. We love conversation, and we encourage our clients to tell us everything about their goals and dreams! A life-changing Broker understands your […]
I’ve said it before, and I’ll repeat it – your finances are a tool to SERVE your needs. It isn’t about the amount of money you make but how you manage that money and how intentional you are with your spending and savings habits that will lead to financial success. When you’re clear on your […]
We are taught to save for a rainy day, and while this is a good idea, in theory, it creates a false sense that money is limited. It can leave us feeling like if we spend our money, we cannot get it back. This scarcity mindset often evokes fear and anxiety around finances. At Gail […]
Let’s fill up your financial cup with JOY. Yes, JOY. Let’s get excited about your finances – it’s time! PURPOSE AND MEANING Finances are a vehicle to get you where you want to go. Whatever your situation, there is a way to structure your finances with purpose, so you are saving and spending on meaningful […]
Applying for a mortgage when self-employed can be a challenge – this we know. Banks typically like tidy financials and don’t have the products to help clients find solutions for those with varying income scenarios. With today’s employment and business options, few applicants have a straight path from start to finish. Many navigate over obstacles […]
We often think of money in terms of math – but it is so much more than that. Each of us has an emotional connection to money that goes far beyond dollars and cents. Our emotional connection is based on our earliest memories of how money impacted our lives. Scarcity vs. Fluid Mindset As we […]
When applying for a mortgage, whether you’re purchasing a new property or refinancing an existing one, one of the first steps we’re going to do is pull your credit report to submit with your application. Your credit score can affect your ability to qualify for a loan and it also dictates what interest rate you […]
Land transfer taxes are one of the closing costs you must budget for when purchasing a property. They are provincial or municipal taxes that must be paid in full prior to closing on a property. Anyone who purchases a property in Canada must pay a land transfer tax to the province you have purchased in, […]
For homebuyers, saving up the required down payment is often the most challenging part of buying a home. This is especially true for first-time homebuyers who don’t have the equity or proceeds from a previous house’s sale. Once you’ve saved up your down payment, we’re going to need to collect documents from you to prove […]
