Category: blogs

Why Are We Emotional About Money?
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Why Are We Emotional About Money?

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 […]

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5 Credit Score Myths Busted
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5 Credit Score Myths Busted

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 […]

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Land Transfer Tax
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Land Transfer Tax

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, […]

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Let’s talk about Down Payments
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Let’s talk about Down Payments

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 […]

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Thank You for TWO Readers’ Choice Awards !!
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Thank You for TWO Readers’ Choice Awards !!

To say I’m grateful is an understatement. Having the privilege and the honour to work with so many people and so many families during the past 14 years of brokering, is a gift that I have not taken for granted. This industry is not easy. The constant changes in policies, the craziness of our housing […]

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Why are so many houses being Sold Over Asking?
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Why are so many houses being Sold Over Asking?

The housing market is HOT right now. Prices are high, interest rates are low, and houses are selling quickly. We’re also seeing a record number of properties still being sold well above their listing price. If you take a look around your neighbourhood you’ll probably notice that the recently sold house on the corner now […]

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Updates to the First-Time Home Buyer Incentive Program
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Updates to the First-Time Home Buyer Incentive Program

The Government of Canada announced that beginning this Spring, changes were coming to the First-Time Home Buyer Incentive Program for qualifying buyers in three of Canada’s most expensive housing markets. What is the First-Time Home Buyer Incentive Program? The First-Time Home Buyer Incentive is a program that aims to help make homeownership affordable for qualified […]

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What happens if you put down less than 20% on a house?
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What happens if you put down less than 20% on a house?

In Canada, we can provide mortgage financing to qualified homebuyers with down payments as low as 5% down. With less than 20% down, the mortgage is now insured against default. Mortgage default insurance can help buyers purchase a home and begin building equity sooner, compared to renting – where you gain no equity and increase […]

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The Mortgage Approval Process
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The Mortgage Approval Process

The thought of how to get a mortgage can seem like quite a daunting task at first. But we’re here to break it down a bit more in detail and explain the process of what happens from the time you think of wanting to purchase a home right through to move-in day. We always strive […]

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