Whether you are purchasing a home or looking to refinance, determining the property’s value is an important step in the mortgage application process. This amount will determine the amount of mortgage you’ll be offered. How home value is measured? A home’s value is based on its features. These include square footage, location, age, quality and…

A good credit score will affect your ability to borrow and also the interest rates that will be available to you. Generally speaking, a good credit score will result in a lower interest rate. How to build credit history that benefits you: Start early The length of your credit history is a key factor in…

One of the many reasons why my clients are investing in real estate is because of the great financial return. Higher risk tends to generate higher returns. So, in the stock market, for example, you may see individual stocks performing very well. As a basket of stocks, the risk is reduced and the returns are…

Did you know that 60% of Canadians simply sign their renewal documents without giving them any thought or review? We find that many Canadians spend time shopping for their initial mortgage, but the same is not true for their renewal! Did you know that often your renewal offer isn’t the best offer available? We can…

This blog post is for all the newlyweds! So many weddings this summer, therefore so many individuals starting their new life together! Here are a few things I want you to think of as you navigate this new journey together: 1) TO RENT OR OWN? If you’re currently renting, make a plan for how and…

It sure does! Your credit score is a fast pass to great mortgage rates and excellent terms. It’s essentially proof that you can be trusted to make payments if you’re given a loan of any kind. A high credit score means you’ll get access to the best mortgage rates on the market and have more…

What is it? This program allows you to borrow the cost of renovations (up to a certain percentage) and add it to the home price, rolling it all into one easy-to-manage mortgage payment. Once you take possession of your new home, you can start the upgrades immediately. This type of mortgage comes with a few…

If this is your year to buy a home and secure a mortgage, I want to share with you my top tips for securing a mortgage in 2022. 1) Have a plan: I always recommend having a plan, but even more so when you are shopping in a competitive market with rising interest rates. Before…