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When it comes to buying a new home, here is what you will need to qualify for a mortgage. You need three things: 1. Credit (if your credit score is…

As your renewal approaches, now is great time to start. We can lock a rate up to 120 days early, so you’re protected if rates rise, and if they fall,…

Sometimes you will notice that the mortgage rates online are less than the rate that we quoted. Rest assured, we can get rates that are better than what you find…

Fixed rate ·       Stays the same for your whole term (e.g., 3 or 5 years). ·       Based on Government of Canada bond yields (mainly the 5-year). Bond traders look ahead and try to guess at…

When most people think about qualifying for a mortgage, they picture the basics: saving up for a down payment, keeping debt under control, and having a stable job. It seems…

I’ve had a few clients call me recently, confused about why banks are raising their mortgage rates even though the Bank of Canada has been lowering interest rates. It does…

The Canadian real estate market is on the move again, and this time, the data paints a more optimistic picture for both buyers and sellers. Recent reports show that Inflation…

Here’s why that matters: Banks have a set amount of money they want to lend out in mortgages each month. But sometimes, they have extra funds (nice problem to have,…

Is the Real Estate Market Turning a Corner? Here's What to Watch For If history has taught us anything, it's that the real estate market often moves in the opposite…

Here is a great question, as it comes up frequently.  "Why are rates different?" It can get a bit technical, but here’s a straightforward breakdown: 1. Insured Mortgage If a…