Tag: mortgage broker

Fixing your credit after bankruptcy

June 8, 2015 | By | 8 Comments

Mortgages and financing after bankruptcy One of the most common situations I encounter when talking to my post-bankruptcy clients is a lack of re-established credit. With our alternative lenders, I can get good rates for people with past credit challenges, even if there’s a bankruptcy or consumer proposal in the picture, but if there is […]

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Your down payment – what you need to know

May 10, 2015 | By | 10 Comments

Down payment tips – how to prep You’ve got your down payment and you’re ready to go. Congrats!  So what’s next? Confirming the details To fulfill the conditions of your mortgage approval, you’ll need to document the heck out of everything.  It’s required by all lenders to protect against fraud and to prove that you are not […]

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Need a mortgage soon? What NOT to do

February 24, 2015 | By | 1 Comment

Buying a place you love? About to put an offer to purchase together?  Make sure you will be able to buy that place you fall in love with. You can lose your financing if you make the following mistakes: 1.  Assuming your pre-approval is all you need Be aware of the “non pre-approval”.  A full approval […]

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Fall in love with your mortgage

February 14, 2015 | By | Add a Comment

Resent your mortgage? Or worse, are you a little afraid of it?  You’re not alone.  Most of us see the mortgage as this giant debt that is our single biggest monthly expense, and there’s not much that seems good about it. How can you appreciate your mortgage? Simple.  Get to understand it better. If you have […]

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Financial rock and roll – Feb 2015 Home and Mortgage Newsletter is here!

February 1, 2015 | By | Add a Comment

Want a solid financial foundation? We all do, especially when thinking about retirement down the road.  And if there’s a lot of debt holding us back, it can get pretty stressful.  Trying to add an RRSP contribution to the mix, as many experts suggest (check out Rob Carrick’s article on why saving for retirement beats […]

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Bad credit? Mortgage options you should know about

January 9, 2015 | By | Add a Comment

Worried that your bad credit might stop you from getting a mortgage? You’re not alone – many people have credit issues in the past, and it can definitely make it hard to get a mortgage on your terms. That said, it doesn’t mean you won’t get one, nor does it mean that you’re stuck with that […]

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Self-employed? What you need to know about getting a mortgage

December 22, 2014 | By | 1 Comment

Are you an entrepreneur? …  Or a small business owner, freelancer, consultant, contract employee, or working in a capacity other than full-time salary? Salaried employees can easily prove their income with a T4 slip. If you’re self-employed, chances are you’re working with an accountant and working really hard to report income that’s as low as you can […]

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Opening doors, not building walls – the Dec 2014 Home and Mortgage Newsletter

December 1, 2014 | By | Add a Comment

Self-employed?  Come up against “the wall” yet? New mortgage rules are constantly being added in Canada.   We’re expecting changes coming up later in 2015 as well.  Here are some tips to get around the self-employed mortgage wall.  Read more in the December issue of the mortgage newsletter here… Starting smart…  The stats show more […]

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