Tag: toronto

Overwhelmed by debt? Denial can hurt you more…

September 16, 2015 | By | 1 Comment

Waiting to deal with debt can hurt you The CBC published a great article a while back, entitled “Debt’s Dirty Dozen Danger Signs“.  The article highlights an issue we mortgage brokers come across all the time.  That is, people waiting too long to ask for help. A mortgage consolidation can give you financial breathing room If you […]

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Pay your mortgage off fast: 9 tips

July 27, 2015 | By | 3 Comments

These days of sunshine and beautiful temperatures make you think of parties? How about a mortgage burning party? Okay, I know that sounds nerdy. Still, we all know that the faster you pay off your mortgage, the more you’ll save in interest and the faster you can build wealth. Building wealth is pretty sexy, right? […]

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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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