Category: First Time Homebuyer

Reserve fund in the condo status certificate | Ingrid Bjel McGaughey | Toronto mortgage broker |

Buying a condo? Check out the reserve fund

Thinking of buying a condo in Toronto? Here are the key points to know so you can understand the reserve ...
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Self-employed mortgage planning | Ingrid Bjel McGaughey | Toronto Mortgage Broker

Self employed? Mortgage planning is *key*

What you need to know about getting a self-employed mortgage If you're an entrepreneur, small business owner, consultant, or work ...
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fixed or variable rate mortgage

Fixed or variable rate mortgage: which is better?

Fixed or variable rate mortgage: is rate the only thing to look at? One of the biggest questions you'll face ...
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Confused about mortgage rates | Ingrid Bjel McGaughey | toronto mortgage broker

Understanding mortgage rates

This is why mortgage rates are suddenly way more complicated If you’ve been shopping for a mortgage lately, you’ll have ...
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Own your first home by 29 - Ingrid Bjel McGaughey - Toronto Mortgage Broker

How to buy your first home by 29

What's the rush?  The financial "why" HSBC did an interesting study in the UK in 2014.  It suggested that if you buy ...
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conditon on financing

“Conditional on financing”: the most important part of your offer

"Conditional on financing" - do I need this? When you find the condo or house of your dreams, and want ...
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Stress test your own debt - toronto mortgage broker ingrid mcgaughey

Stress test yourself!

Do your own personal stress test There's been a lot of freaking out about the latest rendition of the mortgage ...
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mortgage stress test

New mortgage stress test for 2018 – why you might want to buy or refinance *now*

Purchase - or refinance - before the rules change in January If you’re looking to buy with a down payment ...
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homebuyer of the future

Do you look like the next generation of homebuyers?

First-time homebuyers survey This past June, Mortgage Professionals Canada published their survey results on the next generation of homebuyers - ...
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Pre-approvals made simple

Pre-approvals made simple

The ins and outs of mortgage pre-approvals When you’re house hunting, it’s important to know the amount of mortgage you ...
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Mortgage approval strategies

Mortgage approval strategies can help make your dream a reality

You can improve mortgage qualifying success Yes, new mortgage rules have made it harder to qualify for a mortgage, whether ...
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Home & Mortgage Newsletter - Feb 2017

Mortgage default insurance going up March 17

We're all looking to save a little money - every little bit helps. If you're planning to buy with less than ...
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