As we head into the fall, I am working with many of my clients on their mortgage renewal. You can begin the mortgage renewal process months before your mortgage renewal date.  If you obtained a mortgage when rates were really low and you’re worried about how to prepare your budget and finances for a larger…

The variable vs. fixed mortgage rate decision is one of the biggest a borrower will make when selecting their mortgage. Many of my clients are choosing a 3 – 5 year fixed rate right now, as we suspect the rates will trend downwards after the 3-year period.  It’s a decision that will affect a homeowner for…

If you’re considering divorce or working through a divorce you are probably wondering how this affects your mortgage with your partner. In the event of a divorce, the mortgage is paid out and any supplementary funds are sent to a lawyer’s trust account until a Separation Agreement can instruct how the funds are to be…