Practical guidance on rates, renewals and the Canadian mortgage market.
Most first-time buyers get the big decisions right and lose money on the small ones. These five mistakes come up again and again, and every one of them is avoidable.
Read Article : 5 Common Mistakes First Home Buyers Make and How to Avoid ThemBoth borrow against the equity in your home, but they behave very differently. Here is how the limits, the costs and the…
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Read Article : Mortgage Refinancing vs. HELOC in Canada: Which Is Better?The two-year rule is real, but it attaches to the kind of income you earn rather than to you. Here is which version applies to a…
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Read Article : Can You Get a Mortgage With Less Than 2 Years of Work History?Canada's secondary suite refinance lets you borrow against your home's post-renovation value — up to 90 percent. Here are the…
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Read Article : Build a Suite, Borrow 90% of What It Will Be WorthShort-term fixed-rate mortgages have increased in popularity lately for Canadians buying and owning property, and with good…
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Read Article : Why More Canadians Are Choosing Short Term Fixed Mortgages?From pre-approval to keys, in the order things actually happen — including the closing costs that catch most first-time buyers…
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Read Article : Buying Your First Home in Surrey: A Step-by-Step GuideRefinancing is not free. Here is how to work out your break-even point, how much equity you can actually access, and the…
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Read Article : Refinancing: When the Numbers Actually WorkThe tax strategy that serves your business well can work against you at mortgage time. Here is what lenders look for, and what to…
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Read Article : Self-Employed? How to Get Approved Without the RunaroundYou have to prove you could afford a payment noticeably larger than the one you will make. Here is how the test works and what it…
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Read Article : The Mortgage Stress Test, Explained PlainlyGet a free, no-obligation consultation and see what you qualify for. No cost to you — lenders pay the commission.
