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 […]
Happy Labour Day! As we prepare to head into Fall and our summer vacation comes to an end, I just wanted to check in with you and see how you’re doing. I hope you got to experience just a bit of normalcy this long weekend as our world begins to open back up. Now that […]
Credit Scores seem to be the buzzword lately when it comes to talking about money, budgeting, and mortgages. They play a pretty key role for banks and lenders to decide if you qualify for a loan, but what exactly is a credit score? How is it calculated? And what should you be doing to help […]
As we prepare to send our kids back to school, now is a crucial time to start talking to your kids about money. Especially for those starting post-secondary this fall. Once they turn 18, they might notice banks and credit card companies are beginning to offer student credit cards and back to school deals. These […]
What is a credit score? How are they calculated? What do they mean?! I’m here to help you figure this all out and hopefully by understanding how your credit score is calculated, we can start to improve or rebuild your credit! Credit scores take time to improve, as they are only updated once a month. […]
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 […]
