It’s no secret property values have increased over the last year. It’s also no secret that mortgage rates have decreased too. Is now a good time to refinance your mortgage too? Let’s chat and find out what option is best for You and Your family ! I’m just a phone call away …
My teenage daughter just got her first credit card and had a few questions about her monthly statement and the interest owing. It got me thinking, if she has these questions, than a lot of you might be wondering the same thing! So let’s break it down. Balances, interest, and minimum payments… what do they […]
As we reach the one year anniversary of the beginning of 2020’s series of COVID lockdowns, I just wanted to take a moment to reflect on all that the last year has taught us. Where are you now compared to where you were a year ago? Have you checked in on your goals recently? What […]
Happy 1st day of March! With (hopefully) warmer weather on the way, we tend to start shifting our mindset towards the summer and our future holiday plans. Now is also a great time to start thinking about cottages! Perhaps you’ve enjoyed renting cottages in the past, or you’ve always dreamed of a family cottage to […]
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 […]
Once you begin the mortgage pre-approval process, I will discourage you from applying for new credit cards, taking out additional loans, or financing large purchases – including those “buy now don’t pay for 2 years” offers as they all make an impact on your overall application qualification and/or your credit score. What may seem like […]
Closing Costs – What are they? What do they cover? Why am I paying them? Let’s talk about it…
What happens when the entire province of Ontario is still in lockdown, but you’re ready to refinance your current home or looking to purchase a new one? Where do you start? How do you go about getting a mortgage these days during the lockdown? You have nothing to worry about, we are still open […]
Thinking about creating a budget can invoke a lot of negative feelings. Budgets bring up memories of saving up for those fantastic shoes as a teen, or university days scraping money together to go to a concert. In short, the word budget is rarely associated with anything fun – until now! Shift Your Mindset, Shift […]
