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Transitioning from renting to becoming a homeowner is one of the biggest decisions you'll make in your lifetime. I'm here to help you plan ahead before you embark on homeownership by getting a budget in place and ensuring you have the savings ready! Some of the costs of embarking on homeownership include a down payment, […]

Now is a great time to renovate! If you're looking to freshen up your interior, but you don't have the cash on hand to pay for these improvements, refinancing your current mortgage to access some of your home equity may be a comfortable solution. Or, if your mortgage is coming up for renewal, I can […]

On June 20th, 2021 the Office of the Superintendent of Financial Institutions (OSFI) announced that as of June 1st, 2021, uninsured mortgages will be required to qualify at the greater of the mortgage contract rate plus 2 percent or 5.25%. That is up from the current qualifying rate of 4.79%. Further, the Deputy Prime Minister […]

It's that time of year again when you can expect to receive your municipal tax notice in the mail shortly. Once you have received your notice, it's important to do one of the following: If your taxes are not included as part of your mortgage installment payment, be sure to pay the bill before its […]

According to RE/MAX, one of the biggest trends for Canadian homeowners in 2021 are move-up buyers looking to purchase a home that offers more space for them and their families. In fact, this is true for a whopping 29% of Canadians! Unsurprisingly, this demographic is made up mostly of younger Canadians (under 35) with growing […]

The term “rate hold” may be something you are familiar with if you have worked with me in the past. If not, it is a term that all prospective buyers should know! A rate hold is offered by the majority of lenders to clients who are purchasing a new home and need a mortgage. The […]

There has never been a better time for your annual mortgage health check-up! By organizing a quick mortgage review each year, it may yield you some fruitful financial savings. Your home loan review this year will examine the most common potential monthly savings opportunities, including high-interest credit card debt or fixed loan payments. Reviewing your […]

Do you know the difference between a mortgage broker and a mortgage specialist? No matter where you are at in your home buying journey, I wanted to provide some information that might help you consider utilizing my services to ensure you get the best mortgage product, for YOU! To most consumers “mortgage broker” and “mortgage specialist” […]

Looking to Buy This Spring? If you want to enter the real estate market this Spring, there are some things you should consider - especially if you are a first-time home buyer! Get Pre-Approved: One of the best things you can do prior to starting your home search, is to get pre-approved for a mortgage! […]