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Learn Exactly What Affects Your Credit Score

When you apply for a mortgage, one of the first things that lenders will do is check your credit score. The better your credit score is, the better rate and terms you will be eligible for on your mortgage. If your credit score is too low, some lenders will not even grant you a mortgage […]

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Should I Invest in a Private Mortgage or in Mutual Funds?

With the stock market having so many ups and downs in recent years, it can be difficult for people to know exactly where to invest their money. The traditional choice for many investors has been mutual funds – that is funds consisting of a combination of stocks and bonds chosen by fund investors. Lately however, […]

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⏱️ Time To Refinance 🏠! Rates At 2-Year Low!

Cost of Borrowing Cheapest in 2 Years! While house prices may be sky-high in many parts of Canada, home owners are being offered some of the lowest mortgage rates seen in years thanks to low bond & Bank of Canada Benchmark Rates. Find Out How Much You Can Save!   NOW Is the Perfect time to Refinance […]

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2019 has been a great year for mortgages so far

When people begin to think seriously about purchasing a home, one of the things that they are naturally concerned about is whether or not now is a good time to get a mortgage. They consider whether they are ready to take on the responsibility of a mortgage, but they also consider whether the current mortgage […]

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Can You Add Renovation Costs to Your Mortgage?

  Home renovations can add a lot of value to your home both in terms of your house’s market value and in terms of your own enjoyment. Major home renovations however can be quite expensive, and if you do not have all of the money saved up, you will have to borrow it from somewhere. […]

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Can You Be Denied a Mortgage Renewal?

Most people don’t think much about their mortgage renewal until they get a reminder in the mail from their financial institution that their renewal is coming up. But the truth is that mortgage renewal should be something that is always in the back of your mind because while most renewals get approved without too much […]

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Do I have to keep paying the mortgage if I am separated?

 When a couple separates, often one will move out while the other continues to live in the marital home. The one that moves out may feel that it is unfair for them to continue to pay a mortgage for a home they no longer live in, however if their name is on the mortgage, they […]

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 Does a Large Down Payment Offset Bad Credit?

Having bad credit can make getting a mortgage more difficult – particularly with more traditional lenders such as banks and credit unions. One strategy to help you offset having bad credit is to save up a larger down payment. Having a larger down payment helps to offset the risk that a lender is taking by […]

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How Major Events Impacted Mortgages in 2018?

To say that the mortgage industry experienced some excitement in 2018 is an understatement. Everything from new borrowing regulations to trade tensions and immigration left their mark on the Ontario housing market, and by extension mortgages. Let’s examine some of the major events that impacted mortgages in 2018. Financial stress test. In January of last […]

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How Does a Home Improvement Mortgage Work?

For most people, purchasing a home will be the biggest single investment that they ever make. But what if the homes that you are considering are in need of some renovation? If you have to pay out of pocket for renovations right after you buy the home, it can leave you cash strapped. Fortunately, there […]

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