Over the many years of brokering mortgages, lenders have proven to me that it is not just about the math and the debt ratio calculations on a residential mortgage application.  Money lending is

There are easier approaches to getting prepared for a mortgage submission and there is a harder, more stressful route.   Why not learn from the mistakes of other borrowers,

There are easier approaches to getting prepared for a mortgage submission and there is a harder, more stressful route.   Why not learn from the mistakes of other borrowers,

(July 12, 2017) Today, for the first time in seven years, the Bank of Canada raised their rate by 0.25%. This affects your variable rate mortgages and your secured lines of credit. What will the banks do? In the past, the banks matched their prime rate increase in step with the Bank of Canada increase, […]

There are easier approaches to getting prepared for a mortgage submission and there is a harder, more stressful route.   Why not learn from the mistakes of other borrowers, experience a less stressful process and increase your mortgage options. I am going to delve into the action items you can do to relieve your mortgage […]

There are easier approaches to getting prepared for a mortgage submission and there is a harder, more stressful route.   Why not learn from the mistakes of other borrowers, experience a less stressful process and increase your mortgage options. I am going to delve into the action items you can do to relieve your mortgage […]

Variable rate or fixed rate mortgage – the million dollar question:  I don’t think there is one blanket answer that is right for everybody.  Let’s examine this matter in more digestible chunks.

As the new year commences,  it is a good time to touch upon some annual mortgage documentation tips. Being prepared with proper supporting documents for a mortgage application is

A savvy real estate investor understands that mortgage interest rates are a neutral effect.  In either a low or high interest environment, an investor can take advantage of the situation.  

An increasing number of lenders are moving towards collateral charge mortgages these days, it has never been more important to understand the differences between a collateral and standard charge mortgage.