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  • Helping Your Child’s Home Buying Dreams Become a Reality - Helping your child buy a home has become a viable option for many Canadians whose millennial children find the dream of home ownership slipping out of reach. According to a 2022 report from the Ontario Securities Commission (OSC) on Millennials and the Markets, only 33% of millennials currently own homes, despite 56% considering home ownership ...
  • Mortgage Refinancing: When Does It Make Sense? - Have you been trying to figure out how you can manage that large expense or high interest debt and are considering financing alternatives? Refinancing your mortgage might be the answer. But before you start browsing for different mortgage options and comparing rates, it’s important to understand what’s involved when you refinance your mortgage. Firstly, you ...
  • High Mortgage Rates & How To Avoid A Cash Flow Crunch - Are thoughts of higher mortgage rates keeping you awake at night? As your fixed-rate mortgage approaches its renewal date amid persistently high interest rates, the prospect of an increased monthly payment being withdrawn from your bank account can be scary. The uncertainty of how you will maintain your current lifestyle while managing a larger mortgage ...
  • 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 ...
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