READING THIS COULD SAVE YOU MONEY (HOW TO RENEW YOUR MORTGAGE IN 5 EASY STEPS) If you have a mortgage, chances are unless you win a lottery (cha-ching $$$) you’ll be doing a mortgage renewal when your current term has finished. While most Canadians spend a lot of time, and expend a lot of effort, […]

WHAT QUESTIONS TO ASK WHEN CONSIDERING A REFINANCE Many of my clients and friends regularly ask me when or if they should consider a refinance. Here are 4 quick questions that I ask of them. The answer they give me, will very quickly tell me if we should be taking a deeper look at the […]

  WINTER IS HERE! GET A WORRY FREE MORTGAGE! This time of year, there are a few less mortgage’s being done- not many people want to move into a new home in the snow. But if you want to get a worry free mortgage, this is a great time to be shopping. Scope out those […]

FIRST TIME HOME BUYERS Your First Home. What a THRILLING thing that is to think about!! One of the best parts about our job is helping individuals purchase their first home. We know that the process can seem daunting at first, but we have an in-depth understanding and knowledge of what steps are required to […]

2018 IS IN THE BOOKS, HERE ARE THE Q4 NUMBERS! 2018 was a challenging year for the housing and mortgage market—new regulations, rate increases and more made it one of the toughest years for homeowners to qualify. Despite all this, there was still $45.3 billion in collective profits made by the Big Six Banks (Bank […]

A SHIFTING MARKET… AGAIN The recent data sure has changed the tone of rates in the coming months. The prime rate – what variable rates are based on, while a few short weeks ago was expected to rise three times in the next 18 months now with the data on the slowing of the market […]

3 THINGS FOR EVERY HOMEOWNER TO DO IN JANUARY As we enter the New Year, there are a few things that we should all think about as homeowners. 1 – Replace your furnace air filter – if you read over the instructions for your furnace you will know that you are supposed to either clean or […]

WHAT’S IN STORE FOR 2019? At the start of every New Year, pundits posit the forecast as everyone wonders what the year will bring. While no one has a crystal ball, here are some fundamentals at play this year: 1). Canada’s economy will continue to under perform the U.S. as growth slows to 1-3/4% in […]

BANK OF CANADA REMAINS ON HOLD, REVISING DOWN OIL MARKET OUTLOOK The Bank of Canada left the overnight benchmark policy rate at 1-3/4%, as expected. In another dovish statement, the Bank of Canada acknowledged a slowdown in global economic activity and highlighted that oil prices are roughly 25% lower than what they had assumed in […]

9½ STEPS TO REPAIR AND IMPROVE YOUR CREDIT Though credit scores aren’t always an indicator of financial health, they are used in a variety of ways that could have a major impact on your life. Interest rates (including mortgage rates) are almost always determined by your credit score. Some employers & landlords may require a […]