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  • Why You Need to Get a Mortgage Pre-Approval in 2021 - Buying a home is a goal many young Ontarians have on their to-do list and it’s a lofty one at that. With housing prices soaring in the past couple of years and rent prices increasing at a similar pace, how is one to get far enough ahead financially in order to buy a home? That ...
  • Buying a Home in Retirement & What You Need to Know -   Retirement is a time in life that we all dream about. The day we can quit our job, celebrate with a big party and kick back and relax for years to come. The idea of retirement might make you think of spending your days cozied up with a few good books, long walks with ...
  • Important Things to Know About Renewing Your Mortgage - Before the end of your term, you will have to renew your mortgage unless you sell your home before your mortgage term ends. A mortgage renewal is the process of taking the outstanding balance of your mortgage loan and renewing that loan for another term at a new mortgage rate. Typically, you want to renew ...
  • Using Your Mortgage to Pay Down Debt and Increase Cash Flow - On the surface, your mortgage may be a long-term investment or a way to save for your future. But a mortgage is more than what meets the eye. Even though a mortgage is itself a loan, similar to other types of debt, it can actually provide you with the opportunity to save money and can ...
  • First-time home buyers – Does it make sense to buy a house now or wait? - If there is one thing we have all noticed lately it’s how crazy home prices are. If there is a second thing we have all noticed it’s how crazy rental rates are to rent a house or apartment as well. So the burning question of late is: Does it make sense to buy a house ...
  • Understanding How Mortgage Penalties Work - It is important before signing any mortgage agreements to read the fine print. Mortgage penalties are an important part of a mortgage agreement; however, most homeowners don’t find out about them until they have to pay them. When shopping for a mortgage, you should carefully consider your options and choose a mortgage that best fits ...
  • Top Tips for Getting a Low Mortgage Rate - There is more to getting a great mortgage rate than just comparative shopping. It is also much more than having a good credit score. When you apply for a mortgage, there are many factors your lender will review to determine not only if you qualify for a mortgage, but what interest rate you will pay. ...
  • Should you refinance your mortgage? - When you choose to refinance your mortgage, you replace the existing mortgage you have in place with a new one with different terms. There are many reasons a person may choose to refinance their mortgage. Perhaps interest rates have dropped since you signed your mortgage. Or maybe you want to tap into your home equity. ...
  • Mortgage FAQs for First-Time Home Buyers - When you buy your first house, you have so many mixed emotions roll through you. From the excitement of buying a home of your very own, to a fear of buying the wrong house, to simply being overwhelmed by the whole process overall. It’s no small decision, buying your first home. That’s why I like ...
  • What is an RRIF? - Did you know that the money you contribute to your Registered Retirement Savings Plan (RRSP) can’t stay there forever? That’s right. When you turn 71 years old, you will need to move that money. This doesn’t mean you will be forced to take out your RRSP savings all at once and pay a huge tax ...
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