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Closing Costs

Before you purchase a home, you need to be aware of expenses that are over and above the selling price of your house.  These expenses are called closing costs, and they usually come in at around 1.5% – 2.5% of the total purchase price.  I want you to be prepared and not encounter any “surprises” […]

The Best Payment Frequency Option for Your Mortgage

Your mortgage payment amount is set in place by the lender, but you get to decide how often you make your mortgage payments.  For new homeowners who are used to paying monthly rent, it may come as a surprise that there are actually different options for payment frequency. We are going to talk about those […]

Is now a good time to purchase a home?

Given the current state of affairs, this is a popular question I hear. My not so simple answer is yes, no, and maybe… A lot depends on your personal situation. Are you a first-time homebuyer? Are you looking to move up the property ladder? Are you buying an investment property? Are you worried about your […]

Variable Rates

As the Canadian economy moves into a post-Covid world, one thing that has become obvious is an increase in day-to-day costs due to the pandemic; everything from gas, groceries, and transportation has seen real increases over the last 12 months. This includes an increase to 5-year fixed mortgage rates, which are currently averaging in the […]


The Top 7 Reasons People Are Refinancing Right NOW  As you probably know, interest rates are extremely low right now. And with low mortgage rates comes opportunity. These opportunities include saving money, creating wealth, or helping you cross things off the ever-growing wish list. To take advantage of these opportunities, you’ll need to refinance your current […]

More Than Rates

What You Should Look For In A Mortgage: It’s More Than Just Rates! How do you find the lowest interest rate for your mortgage? This is one of the sexiest topics right now. Interest rates are at an all-time low, and Canadians are infatuated with them. A low-interest rate makes you think, “Hey! This could […]


Buying the first home is the biggest life decision of one’s life. Just like anything that we do for the first time, there’s a learning lesson that we need to learn before we can get a good sense of the best strategies for home buying. Few valuable tips that can help to steer you in […]

Turned Down for a Mortgage

So: you’ve been turned down for a mortgage. Ouch. The rejection hurts, but remember: a mortgage is a big deal. You’re asking to borrow hundreds of thousands of dollars, and lenders have any number of reasons to consider you too much of a risk. Before you start the process all over again, make sure you […]


Many Canadians think their mortgage is in the bag once they have a mortgage pre-approval. But the reality is that a mortgage pre-approval does not automatically translate into a mortgage. The prospective lender needs to consider the property itself, approve all the terms and review the documentation before you transition from pre-approved to approved. Going […]