What does and does not affect your credit score.  There is a lot of misinformation floating around about credit bureaus, credit reports and credit scores – not only that, but a large amount of the clients I work with have never even seen their credit report or score before! I’d like to shed a bit of […]

Are you itching to purchase real estate? Read on! The Real Estate Bug is something slowly starting to creep it’s way into the demographic of people in my social circle. Some, not all, are beginning to move on from their “Travel Bug” brought on from graduating high school or post-secondary and onto The Real Estate […]

Deb has acted as my mortgage broker twice. Both times she was able to get a rate far below what anybody else was offering. Deborah is professional, highly skilled and at the same time she is also relaxed and friendly. She made a confusing and intimidating process of a mortgage much less painful. I highly […]

Simple steps to purchase a home and pay down debt! Client success stories are what make our job WORTH IT (We think most mortgage brokers would agree). So, with this in mind, we are sharing a recent client’s story that allowed them to not only purchase the home they wanted, but also pay down their […]

If purchasing and selling a home with different completion dates, a bridge loan or bridge financing may be useful! If you have ever sold your home in order to help with the purchase of your next home, chances are you have heard of bridge financing. Bridge financing is an option available to homeowners if they […]

A larger down payment has benefits! There are many challenges that come into play when you’re in the market to buy a home. Buyers say the number one obstacle to home ownership is saving enough for a down payment, the amount that the buyer provides toward the purchase of their home. Exactly how much do […]

Read on to learn more about a second mortgage! Many homeowners are vaguely aware of the fact that you can take out a second loan on your home. You hear your friends mention it or perhaps a family member close to you has gone through the process—but do you truly know what it means to […]

Educate yourself before purchasing a rural property! Living in the country has extreme appeal for some people. Space, peace and quiet, big home, big yard, place to raise your family… the list goes on. If you are considering buying a rural home, there are a number of things to consider, not the least being how […]

Call us to discuss what the best option is for you! After you have purchased your new home, closed on your new mortgage, and are all moved in, what comes next? Well, when it comes to your mortgage, the next step is to either refinance, renew, or transfer your mortgage. This decision can be made […]

Are you self-employed? Read on! As a self-employed person myself, I was happy to hear that CMHC is willing to make some changes that will make it easier for us to qualify for a mortgage. In an announcement on July 19, 2018, the CMHC has said “Self-employed Canadians represent a significant part of the Canadian […]