Mortgage Blog

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How Many Homes Should You View Before Buying?

How Many Homes Should You View Before Buying?

August 10, 2022 | Posted by: Justin Emilio

If you are beginning the home-buying process, you may begin to wonder how long it will take until you find the perfect home for you and your family. The answer to that varies due to different factors. ...

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Looking to buy your first home in BC? Here are programs that can help you with that goal

Looking to buy your first home in BC? Here are programs that can help you with that goal

July 29, 2022 | Posted by: Justin Emilio

Like many housing markets in Canada right now, British Columbia is a hard place to be a first-time buyer. But despite the high prices and low supply, people still manage to find a way. There are a few ...

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Breaking Your Mortgage Without Breaking The Bank - How Mortgage Penalties Are Calculated

Breaking Your Mortgage Without Breaking The Bank - How Mortgage Penalties Are Calculated

July 28, 2022 | Posted by: Justin Emilio

                                 While low-interest rates may seem to save you the most money, looking deeper into ...

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5 Things to Consider When Building Your Own Home

5 Things to Consider When Building Your Own Home

July 28, 2022 | Posted by: Justin Emilio

Building a new home is an exciting adventure but requires very different considerations. To help you have the best experience, here are 5 of the most important things to consider:1. It’s All In ...

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Canadian Inflation Surged to 8.1% in June

Canadian Inflation Surged to 8.1% in June

July 25, 2022 | Posted by: Justin Emilio

Another inflation number was posted last week. The rate of consumer inflation continued to rise, reaching 8.1% year over year (y/y) in June, following the 7.7% gain in May. The increase was the larges ...

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Bank Of Canada Rate Update July 13, 2022

Bank Of Canada Rate Update July 13, 2022

July 13, 2022 | Posted by: Justin Emilio

Bank of Canada increases policy interest rate by 100 basis points, continues quantitative tightening The Bank of Canada today increased its target for the overnight rate to 2.5%, with the Bank Rate ...

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Tips for Buying Rental Investment Properties

Tips for Buying Rental Investment Properties

July 6, 2022 | Posted by: Justin Emilio

Most people float the idea of investment property around at some point in their life, and the growing popularity of real estate buy-and-flip shows only makes the prospect more enticing. However, befor ...

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Inflation, Interest Rates & Locking In

Inflation, Interest Rates & Locking In

June 30, 2022 | Posted by: Justin Emilio

We are currently in pretty unprecedented economic times. Following a long period of record low interest rates, inflation has ramped up and is pushing rates along with it. With this week's Canadian inf ...

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New to Canada?

New to Canada?

June 30, 2022 | Posted by: Justin Emilio

Canada has seen a surge of international migration over the last few years. With all these new faces in town wanting to plant roots in this great country, it’s a good time to review some of the ...

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5 Negotiation Secrets Smart Buyers Use to Get Better Deals

5 Negotiation Secrets Smart Buyers Use to Get Better Deals

June 22, 2022 | Posted by: Justin Emilio

Being a buyer in today's real estate market can be challenging. The market is very competitive right now, making the average buyer feel like it is impossible to secure a good deal. Luckily, some trick ...

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Bank Of Canada Rate Update June 1, 2022

Bank Of Canada Rate Update June 1, 2022

June 1, 2022 | Posted by: Justin Emilio

Bank of Canada increases policy interest rate by 50 basis points, continues quantitative tightening The Bank of Canada today increased its target for the overnight rate to 1½%, with the Bank Rate at ...

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Another Jumbo Rate Hike, Signalling More To Come

Another Jumbo Rate Hike, Signalling More To Come

June 1, 2022 | Posted by: Justin Emilio

The Governing Council of the Bank of Canada raised the overnight policy rate by a full 50 basis points once again today, marking the third rate hike this year. The two back-to-back half-point increase ...

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Dreaming of a Home Away From Home?

Dreaming of a Home Away From Home?

May 30, 2022 | Posted by: Justin Emilio

If you are dreaming of your very own vacation home, there are ways to make it happen! Let me walk you through your options. When it comes to taking on a vacation property, you will need to have a m ...

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Reverse Mortgages and What to Know

Reverse Mortgages and What to Know

May 30, 2022 | Posted by: Justin Emilio

For many Canadians who are looking to retire but currently facing high debt load and ongoing expenses, as well as reduced income, it can be a challenge. This is where the reverse mortgage can help!Thi ...

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How a Mortgage Pre-Approval Can Protect You from Rising Rates

How a Mortgage Pre-Approval Can Protect You from Rising Rates

May 26, 2022 | Posted by: Justin Emilio

With interest rates rising, it's important to lock in a lower rate as soon as possible. You can do this with the right home mortgage pre-approval. Find out how! Do you plan on searching for and buy ...

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Purchase + Improvements Mortgages

Purchase + Improvements Mortgages

May 11, 2022 | Posted by: Justin Emilio

There is a little known program that you might be able to take advantage of, which could increase your chances of finding a home – especially in a market where bidding wars are the norm and you ...

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How is a Private Mortgage Different Than a Traditional Bank Mortgage

How is a Private Mortgage Different Than a Traditional Bank Mortgage

May 4, 2022 | Posted by: Justin Emilio

Understanding the difference between private mortgages and traditional bank mortgages can help you make the best decision for financing a new home. Each option provides the money to secure real estate ...

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Have You Had Your Mortgage Check-Up?

Have You Had Your Mortgage Check-Up?

May 2, 2022 | Posted by: Justin Emilio

Spring is a great time to consider doing an annual mortgage check-in!Organizing a quick mortgage review each year can help provide peace of mind and ensure you’re on-track your future goals whil ...

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Purchase Plus Home Improvements?

Purchase Plus Home Improvements?

May 2, 2022 | Posted by: Justin Emilio

When it comes to shopping for your perfect home, it can be hard to find the exact one ready to go! In fact, most homes come with flaws of a sort whether it is old paint or flooring, outdated fixtures ...

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Home-Buying 101: A Guide to Purchasing Your First Home

Home-Buying 101: A Guide to Purchasing Your First Home

April 20, 2022 | Posted by: Justin Emilio

Home-Buying 101: A Guide to Purchasing Your First Home Buying a home involves a lot of complex steps, but by doing your homework ahead of time, you can boost your know-how and have more confidence in ...

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Bank Of Canada Rate Update April 13, 2022

Bank Of Canada Rate Update April 13, 2022

April 13, 2022 | Posted by: Justin Emilio

Bank of Canada increases policy interest rate by 50 basis points, begins quantitative tightening The Bank of Canada today increased its target for the overnight rate to 1%, with the Bank Rate at 1¼% ...

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From tax breaks to homebuyer incentives, how the 2022 federal budget affects Canadians’ wallets

From tax breaks to homebuyer incentives, how the 2022 federal budget affects Canadians’ wallets

April 8, 2022 | Posted by: Justin Emilio

                                                        &nbs ...

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5 Benefits of an Investment Property

5 Benefits of an Investment Property

April 6, 2022 | Posted by: Justin Emilio

5 Benefits of an Investment Property Building a strong real estate portfolio is a great way to create passive income now and a strong investment portfolio for later. If you are looking at buildin ...

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Preparing for the Spring Market

Preparing for the Spring Market

March 30, 2022 | Posted by: Justin Emilio

Spring is just around the corner! Some of you might be anxious to buy or sell this season, so let’s take a look at the trends for the upcoming Spring market. From a seller’s perspecti ...

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Refinancing: What You Should Know

Refinancing: What You Should Know

March 30, 2022 | Posted by: Justin Emilio

Refinancing your mortgage refers to the process of renegotiating your current mortgage agreement for a variety of reasons. Essentially, allowing you to pay off your existing loan and replace it with a ...

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2022

How Many Homes Should You View Before Buying?

Looking to buy your first home in BC? Here are programs that can help you with that goal

Breaking Your Mortgage Without Breaking The Bank - How Mortgage Penalties Are Calculated

5 Things to Consider When Building Your Own Home

Canadian Inflation Surged to 8.1% in June

Bank Of Canada Rate Update July 13, 2022

Tips for Buying Rental Investment Properties

Inflation, Interest Rates & Locking In

New to Canada?

5 Negotiation Secrets Smart Buyers Use to Get Better Deals

Bank Of Canada Rate Update June 1, 2022

Another Jumbo Rate Hike, Signalling More To Come

Dreaming of a Home Away From Home?

Reverse Mortgages and What to Know

How a Mortgage Pre-Approval Can Protect You from Rising Rates

Purchase + Improvements Mortgages

How is a Private Mortgage Different Than a Traditional Bank Mortgage

Have You Had Your Mortgage Check-Up?

Purchase Plus Home Improvements?

Home-Buying 101: A Guide to Purchasing Your First Home

Bank Of Canada Rate Update April 13, 2022

From tax breaks to homebuyer incentives, how the 2022 federal budget affects Canadians’ wallets

5 Benefits of an Investment Property

Preparing for the Spring Market

Refinancing: What You Should Know

Tips for Picking the Right Home to Flip

Bank of Canada Starts Hiking Rates, Signalling More To Come

The Difference Between Bank of Canada Rate and Prime Rate

Bank Of Canada Rate Update March 2, 2022

Can Housing Upgrades Affect Your Insurance?

What to Look for During a Home Tour??

Understanding Insurance

Rent to Own Homes vs. Mortgage: How Do They Work?

Improving Your Financial Direction

Bank Of Canada Rate Update January 26, 2022

Top 10 Questions to Ask Your Mortgage Broker in BC

How Much of A Mortgage Can You Afford?

Housing Market Predictions

2021

Prequalification and Pre-Approval—What is the Difference? Home Buying in BC

Bank Of Canada Rate Update December 9, 2021

Selling Your Home in Winter

Mortgages for the Self-Employed

What to do if You Are Denied a Mortgage

How to Know if it's Time to Refinance

7 Steps for Mortgage Prep

Up for Renewal??

Bank Of Canada Rate Update Oct 27, 2021

Five Great Benefits of Owning an Investment Property

What Is Home Equity and How Can I Build It?

Why Invest in a Home Inspection

Low Credit is Spooky! Get Better Credit With The 5 C’s

Fall Home Tips

How to Handle a Low-Ball Offer in Real Estate | Home Selling Advice

5 Approval Roadblocks You Should Know

How to Talk to Your Kids about Finances

Bank Of Canada Rate Update Sept 8, 2021

What are credit scores and how are they important?

Getting a Mortgage as a Student

What Happens if You Lose Your Job Before Closing?

How a Funding Condition Can Secure Purchasers From Financial and Legal Penalties in BC

Bank Of Canada Rate Update July 14, 2021

Risks of Putting Down a Firm Offer with a Pre-Approval BC

Low Rates in BC Helping Buyers Pay Off Their Mortgages at Record Pace

Buying Land To Build A Home in BC

Bank Of Canada Rate Update June 9, 2021

Your House-Closing Timeline: A Step-By-Step Guide | BC

What Are the Next Steps After Your Offer Was Rejected? In BC

Investing In An Apartment Complex

2021 Mortgage Stress Test - Latest Updates

Things To Look Out For When Viewing A Property

April 21-2021 - Bank of Canada will hold current level of policy rate until inflation objective is sustainably achieved, adjusts quantitative easing program

Stress Test 2021

April 2021-Bank of Canada Releases Results from Consultations on Inflation and Monetary Policy

Buying A Home As A Senior Citizen | BC

Top 10 Considerations When Moving to a New Area

Multi-Family Lending: What You Need To Know About Hard Money Loans

Why Borrowers May Choose a Private Mortgage

How to Handle a Mortgage After a Separation or Divorce

How Good vs Bad Debt Impacts Your Household

Benefits of Investing in Multi-Family Real Estate

2020

Top 3 Biggest Home Seller Mistakes

3 Tips on How to Better Your Credit Score

Renting VS Buying a Home

Five Tips for Buying a Condo

Cons of For Sale By Owner (FSBO)

Real Estate 101: Getting Your Home Ready To Show

Tips for Real Estate Investors

Reverse Mortgages – Impact on Heirs

Advice for First-Time Home Sellers

Top 3 Home Improvement Ideas to Increase the Value of Your Home

5 Things NOT To Do When Selling Your House

Home Inspections, How They Can Benefit Home Buyers and Sellers

Useful Tips for Buying and Selling A Home During Covid-19

When Is Mortgage Refinancing a Bad Idea?

Is it a Good Time to Become a First-Time Home Buyer?

5 First-Time Homebuyer Mistakes To Avoid

5 Smart Ways to Use a Home Equity Line of Credit

What should you consider when refinancing your mortgage?

6 Signs a Home Will Likely Increase In Value

6 Persistent Real Estate Myths You Really Need to Ignore

Should You Pay Off Your Mortgage Early?

New Stress Test On Insured Mortgages

Real Estate 101: Essential Tips for First-Time Home Buyers

10 Essential Tips for Taking Out Your First Mortgage

Should You Refinance Your Mortgage?

Should You Spend the Full Mortgage Amount You're Approved For?

Take Advantage of Low Interest Rates – Refinance Your Mortgage Today!

2019

Strategies to Dig Yourself Out of the Debt Hole

Why You Need an Emergency Fund And How to Get One

The Benefits of Investing in Income Producing Properties

4 Hidden Problems That Could Be Hurting Your Home Sale

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