1 Mar

TAX REBATES FOR HOMEOWNERS

General

Posted by: Deb White

You may qualify for tax rebates.  It’s getting to be that time of year when we are collecting our tax receipts to file taxes and hopefully get a nice cheque back from CRA. 1st time Homebuyer’s Tax Credit If you purchase a home in 2018 don’t forget to apply for the $5,000 tax credit. This […]

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22 Feb

WHAT QUESTIONS TO ASK WHEN CONSIDERING A REFINANCE

General

Posted by: Deb White

Looking to refinance? Read on! Many of my clients and friends regularly ask me when or if they should consider a refinance. Here are 4 quick questions that I ask of them. The answer they give me, will very quickly tell me if we should be taking a deeper look at the mortgage refinance options […]

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15 Feb

5 REASONS WHY REALTORS WANT YOU TO HAVE A PRE-APPROVAL

General

Posted by: Deb White

Save time and avoid disappointment! You’ve decided that you want to buy a home and you call up a realtor to show you a listing and the first question they ask is “ How much are you pre-approved for?” Many realtors will refuse to book home viewings until they can confirm that you are pre-approved. […]

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8 Feb

BUYING YOUR FIRST HOME? – THESE TIPS WILL SAVE YOUR LIFE

General

Posted by: Deb White

Buying your first home does not have to be scary! So you’re wanting to buy a new home? That is some very exciting news. First question, are you prepared?! We all know big-item purchases are scary. It’s expensive, you are fully committing to this household – there is no turn backing without that pricey consequence. […]

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1 Feb

9½ STEPS TO REPAIR AND IMPROVE YOUR CREDIT

General

Posted by: Deb White

Great tips to help improve your credit score! Though credit scores aren’t always an indicator of financial health, they are used in a variety of ways that could have a major impact on your life. Interest rates (including mortgage rates) are almost always determined by your credit score. Some employers & landlords may require a […]

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25 Jan

HOW TO RENEW YOUR MORTGAGE IN 5 SIMPLE STEPS!

General

Posted by: Deb White

Make sure to know your options before renewing! HOW TO RENEW YOUR MORTGAGE IN 5 SIMPLE STEPS! If you have a mortgage, you’ll be completing a mortgage renewal when your current term has finished. While most Canadians spend a lot of time and expend tons of effort shopping for an initial mortgage, the same is […]

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18 Jan

3 THINGS FOR EVERY HOMEOWNER TO DO IN JANUARY

General

Posted by: Deb White

Considering applying for a Home Equity Line of Credit? Read on. As we enter the New Year, there are a few things that we should all think about as homeowners. 1 – Replace your furnace air filter – if you read over the instructions for your furnace you will know that you are supposed to […]

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11 Jan

WHY REVERSE MORTGAGES ARE BUCKING THE DOWNWARD TREND

General

Posted by: Deb White

Reverse mortgages are increasingly being utilized! The reverse mortgage market in Canada has been increasing at a phenomenal rate over the last few years. In fact, for HomeEquity Bank, the provider of the CHIP Reverse Mortgage, growth was well over 40% in August, bringing Canada’s outstanding reverse mortgage balance to $3.03 billion. Compare this to […]

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4 Jan

4 REASONS WHY MORTGAGE BROKERS ARE BETTER THAN BANKS

General

Posted by: Deb White

It is not difficult for mortgage brokers to compete with the banks. I am often asked if it’s hard to compete with the banks. While they may offer competitive rates at times, right now we have much better rates than the banks. However, we have certain advantages which allow us to blow them out of […]

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21 Dec

4 FACTS ABOUT USING A GUARANTOR

General

Posted by: Deb White

If you have been asked to be a guarantor on a mortgage, read this important information! A Guarantor, when it comes to mortgages, is exactly what it sounds like—they “Guarantee” the mortgage for another person if they are unable to pay back the loan. Guarantor’s or co-signers are often used if someone has: • Damaged […]

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