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  • Mortgage Renewal Denied? These Are Your Next Steps… - Your mortgage renewal is coming up and you knew that you would be paying a higher interest rate. But, what you weren’t expecting was that your bank would turn you down for your mortgage renewal. Unfortunately, this is more common than you might think, with higher interest rates and debt-to-income ratios making many homeowners ineligible ...
  • A Home Equity Mortgage: Is It The Right Choice For You? - A home equity mortgage can be a lifeline if you suddenly face unexpected expenses, leaving you in need of quick cash. While many Canadians rely on their savings accounts, sometimes the funds may fall short. In these situations, turning to loans becomes a common choice. However, as a homeowner, there are additional avenues to explore ...
  • Is An Alternative Mortgage Lender The Right Solution For You? - You’ve heard a lot about alternative mortgage lenders and wondered if this is the solution to your home buying woes. If you’re struggling to secure a mortgage for your dream home, you’re not alone. Many prospective homeowners face obstacles when dealing with traditional lenders and their strict requirements. If you have an unconventional income source ...
  • Mortgage Amortization – What You Need to Know - Choosing the right amortization period is crucial when selecting the ideal mortgage. While many focus on the mortgage term due to its impact on interest rates, the amortization period plays a significant role too. Despite its longer duration, it’s a vital aspect to ponder whether you’re purchasing your first home, second home, or are renewing ...
  • What Interest Rate Hikes Mean For Your Mortgage Renewal - When interest rates are low, renewing your mortgage can be a breeze. However, with today’s higher interest rates, what was once a simple process can suddenly feel daunting. Unfortunately, for homeowners across Canada, this is becoming an increasingly familiar scenario. Since 2020, Canadian interest rates have been steadily inching upwards, signalling impending mortgage rate hikes ...
  • How To Boost Your Credit Score In 4 Simple Steps - Why is your credit score important? If you want to get a mortgage, buy a car, take that vacation of a lifetime, or even rent an apartment, you will need a good credit score. This is the first thing that lenders and landlords will check to decide if they will take a risk on you. ...
  • What You Need To Know Before Buying Your First Home - So, you’ve decided to take that first big step into adulting and buy your first home. It’s a very exciting time but a little bit scary as well. Luckily, there are expert advisors and government programs that can make your first steps successful in the tough Ontario real estate market. As always, it’s best to ...
  • Mortgage Refinancing — A Complete Guide Without The Mystery - Ever wondered about the ins and outs of mortgage refinancing? Simply put, it’s like hitting the reset button on your home loan. You break free from your current mortgage, settle the bill, and jump into a new loan with its own terms and a fresh interest rate. Timing and careful consideration are key to making ...
  • Is 2024 the Right Year to Refinance Your Mortgage? - Are you noticing a dip in interest rates across Ontario and wondering whether it’s the right time to refinance your mortgage? If you’ve been hesitating on the sidelines, now might be the perfect time to make a move. Mortgage refinancing opens the door to renegotiating your mortgage terms before your current term ends. Why consider ...
  • Demystifying Canadian Mortgage Rates and Terms - Mortgage rates are a hot topic for everyone these days – even if they’re not looking for a home loan. Will rates go up? Will they go down? What will happen to the housing marketing in Canada? But, have you ever wondered how the interest rates on your home loan are decided? Well, it’s kind ...
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