Closing costs are a necessity when it comes to purchasing a home. They are not included in the down payment, the monthly mortgage payments, nor are they included in the purchase price of a home yet you are still responsible for paying them in full. Knowing they exist is half the battle. Nobody wants to […]

To find the perfect realtor for you, you’ll need to do a bit of legwork. It can seem like an overwhelming decision akin to deciding on which ice cream you want to try! You go to the ice cream store and they have over 50 flavours and after you have contemplated, you opt for vanilla […]

The first time you heard the term “Monoline Lender” you might have felt a bit of suspicion or at least a feeling of needing more information before proceeding. It’s understandable, I mean why is this “bank” you’ve never heard of willing to loan you money when you’ve never even heard of them? In an effort […]

Prepayment, Portability and Assumability Prepayments One of the most common questions we get is about mortgage prepayments. The conditions vary from lender to lender but the nice thing about prepayments is that you can pay a little more every year if you want to pay off your mortgage faster. A great way to do this […]

Doing a little bit of research before you renew your mortgage could save you thousands of dollars. Just under half of all Canadian mortgages are up for renewal this year. Do you have a mortgage coming up for renewal? Typically you will receive your mortgage renewal notice from your current lender 3-4 months in advance of […]

Do you have bad credit? What about no credit? If you haven’t seen your credit score, you’re not alone. Many of us don’t know about our credit score or even know what it is. Luckily, during our initial consultation, we go over your complete credit report with you. So, how can you make sure you […]

This great article with tips on how to handle your mortgage renewal will help you save thousands on your next mortgage term!   Is your mortgage coming up for renewal this year? There is a good chance that you or someone know has a mortgage due for renewal very soon. Almost one out of every […]