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November 5, 2024
Why Traditional Mortgage Terms May Not Make Sense For You Anymore

In a time of fluctuating economic conditions, traditional fixed-rate mortgages offer a sense of stability. However, this stability often comes with a trade-off—a lack of flexibility. While you’re protected against rising rates, you also miss out on the advantages of falling rates. It’s like being locked in with winter gear throughout the year; it’s great […]

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September 27, 2024
OFSI Removes Stress Test on Straight Switch Mortgage Renewals

The Office of the Superintendent of Financial Institutions (OSFI) has announced it will eliminate the stress test requirement for uninsured mortgages when homeowners switch lenders at renewal. This change applies to uninsured mortgages, bringing them in line with insured mortgages for "straight switch" renewals. This change will apply if the borrower maintains their current amortization […]

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September 26, 2024
Stress Test Changes Coming November 21st

Did you hear? As of November 21st, 2024, the federal banking regulator OSFI will eliminate the required stress test to switch your uninsured (conventional) mortgage to another lender at renewal. What does this mean for you? No more stress test when you renew your mortgage! Easier to switch lenders at renewal without having to provide […]

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May 24, 2024
Helpful Tips for Your Mortgage Renewal

Renewing your mortgage is a big step in your home ownership journey. Whether you have questions about how the mortgage renewal process works, or you are wondering how your finances will be affected by your upcoming mortgage renewal I have some tips to help you out: 1. Evaluate your monthly cash flow, budget accordingly, and […]

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May 7, 2024
What to Know at Mortgage Renewal

Is your mortgage coming up for renewal this year or in 2025? Do you know about all the incredible options renewing your mortgage can afford you? If not, I have all the details here on how to make the most of your renewal! Get a Better Rate: Did you know that when you receive notice […]

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December 5, 2023
Mortgage Renewal Benefits

Is your mortgage coming up for renewal? Do you know about all the incredible options renewing your mortgage can afford you? If not, I have all the details here on how to make your mortgage renewal work for you as we start to think about 2024. Get a Better Rate Are you aware that when […]

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December 1, 2023
New Year Resolutions for Your Home

The New Year is approaching! While we are in the spirit of goal planning and setting our intentions for the coming months, don’t forget about your home! There are several things you can do to make your home and finances work for you in 2024: Review Your Home Budget (or make one!): Money can be […]

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