Refinancing your mortgage can be a smart financial move for many reasons, and as your trusted mortgage advisor, I’ve seen how much it can benefit homeowners! Ideally, refinancing is done at the end of your mortgage term to avoid penalties, but the timing can vary depending on your goals. For some, it’s about unlocking the […]

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 […]

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 […]

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 […]

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 […]

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 […]