Mortgage Blog

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10 Things to Know About the Offer Process

10 Things to Know About the Offer Process

November 30, 2022 | Posted by: Justin Emilio

10 Things to Know About the Offer Process Before making an offer on your dream house, here are the ten things you need to know about buying real estate to ensure your offer is solid. Buying real e ...

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A Six-Step, Back to Basics Financial Plan for Most Every Canadian

A Six-Step, Back to Basics Financial Plan for Most Every Canadian

November 21, 2022 | Posted by: Justin Emilio

It's a tough time to know what the right financial move is at the moment. Interest rates are increasing, while stocks are in bearish territory. It's easy to forget that there are smart things that you ...

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Canada's Inflation at 6.9% in October Supports a December Rate Hike

Canada's Inflation at 6.9% in October Supports a December Rate Hike

November 17, 2022 | Posted by: Justin Emilio

Not only did the headline CPI inflation rate stall at 6.9% last month, but the core CPI numbers remain stubbornly high. Food inflation--a highly visible component--edged down slightly. Still, prices&n ...

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10 Important Questions to Ask Your Contractor

10 Important Questions to Ask Your Contractor

November 9, 2022 | Posted by: Justin Emilio

10 Important Questions to Ask Your Contractor Are you thinking about hiring a contractor before selling real estate? Here are ten important questions you should ask the contractor before signing a co ...

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First-Time Homebuyer Tips

First-Time Homebuyer Tips

October 28, 2022 | Posted by: Justin Emilio

Whether you’re currently in the process of looking for your first home, or have just started to think about it, I have some first-time homebuyer tips to help make your journey as easy as possibl ...

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Bank of Canada Slows Pace of Rate Hikes

Bank of Canada Slows Pace of Rate Hikes

October 26, 2022 | Posted by: Justin Emilio

The Governing Council of the Bank of Canada raised its target for the overnight policy rate by 50 basis points today to 3.75% and signalled that the policy rate would rise further. The Bank is al ...

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Bank of Canada Rate Update October 26, 2022

Bank of Canada Rate Update October 26, 2022

October 26, 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 3.75%, with the Bank Rate a ...

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Best Ways to Plan for Your Down Payment

Best Ways to Plan for Your Down Payment

October 19, 2022 | Posted by: Justin Emilio

Best Ways to Plan for Your Down Payment Do mortgages seem unaffordable? These tips will help you plan for your down payment so you can start talking to a private lender mortgage broker in no time. ...

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Bank of Canada Will Not Be Happy With This Inflation Report

Bank of Canada Will Not Be Happy With This Inflation Report

October 19, 2022 | Posted by: Justin Emilio

Canada's headline inflation rate ticked down slightly last month to 6.9%, but measures of core inflation remain stubbornly high, and food prices hit a 41-year high. Lower gasoline prices were primaril ...

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Common Mistakes That House Flippers Make & How to Avoid Them

Common Mistakes That House Flippers Make & How to Avoid Them

October 12, 2022 | Posted by: Justin Emilio

Mistakes That Can Make House Flipping a Flop Common Mistakes That House Flippers Make & How to Avoid Them Making it in the world of house flipping means making sound and prudent decisions. Read on t ...

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Credit Clean-Up!

Credit Clean-Up!

September 29, 2022 | Posted by: Justin Emilio

It’s time to go back to school… for your finances! When it comes to cleaning up credit, there is no better time than now to recognize the importance of your credit score and check if yo ...

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Understanding Mortgage Trigger Points

Understanding Mortgage Trigger Points

September 29, 2022 | Posted by: Justin Emilio

As we move into the Fall market, there are some important things you should be aware of.While inflation has hopefully peaked, we will still be dealing with the repercussions from these heightened leve ...

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Canadian Inflation Slows For the Second Consecutive Month

Canadian Inflation Slows For the Second Consecutive Month

September 20, 2022 | Posted by: Justin Emilio

Canada's headline inflation rate cooled again in August, even a bit more than expected. The consumer price index rose 7.0% from a year ago, down from 7.6% in July and a forty-year high of 8.1% in June ...

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How Mortgage Rates Affect Buying Power?

How Mortgage Rates Affect Buying Power?

September 16, 2022 | Posted by: Justin Emilio

How Mortgage Rates Affect Buying Power? Do You Know How Your Mortgage Rate Affects Buying Power? To maximize your purchasing power, you should understand how interest rates impact your home buying p ...

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Bank Of Canada Rate Update September 7, 2022

Bank Of Canada Rate Update September 7, 2022

September 7, 2022 | Posted by: Justin Emilio

Bank of Canada increases policy interest rate by 75 basis points, continues quantitative tightening The Bank of Canada today increased its target for the overnight rate to 3.25%, with the Bank Rate ...

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September 7th BoC Rate Hike

September 7th BoC Rate Hike

September 7, 2022 | Posted by: Justin Emilio

As expected, the Bank of Canada announced another interest rate hike of .75%.  This is the fifth consecutive increase for a total bump of 3% year to date. This means lenders will also raise the ...

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Adapting Your Finances

Adapting Your Finances

September 1, 2022 | Posted by: Justin Emilio

The latest news has been focused on rising interest rates, surging inflation, and economic uncertainty with suggestions that the Canadian economy could be tripped into recession.With all this informat ...

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5 Reno’s With the Best ROI

5 Reno’s With the Best ROI

September 1, 2022 | Posted by: Justin Emilio

When it comes to home renovations, we know things can add up quickly!If you’re looking to update your home or make some changes to your space, there are a few simple things you can do that are ...

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Should You Pay Off Your Mortgage Early?

Should You Pay Off Your Mortgage Early?

August 24, 2022 | Posted by: Justin Emilio

It's a dream to be able to pay off your mortgage early, but is there a downside? While it sounds like a great idea, there are some factors to consider before doing so. This article will explore some o ...

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Gasoline Prices Dipped, But No Time To Celebrate

Gasoline Prices Dipped, But No Time To Celebrate

August 17, 2022 | Posted by: Justin Emilio

While we are all grateful that gasoline prices declined from record highs in July, today's release of the July inflation data shows that the underlying inflation momentum remains too strong for comfor ...

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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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2022

10 Things to Know About the Offer Process

A Six-Step, Back to Basics Financial Plan for Most Every Canadian

Canada's Inflation at 6.9% in October Supports a December Rate Hike

10 Important Questions to Ask Your Contractor

First-Time Homebuyer Tips

Bank of Canada Slows Pace of Rate Hikes

Bank of Canada Rate Update October 26, 2022

Best Ways to Plan for Your Down Payment

Bank of Canada Will Not Be Happy With This Inflation Report

Common Mistakes That House Flippers Make & How to Avoid Them

Credit Clean-Up!

Understanding Mortgage Trigger Points

Canadian Inflation Slows For the Second Consecutive Month

How Mortgage Rates Affect Buying Power?

Bank Of Canada Rate Update September 7, 2022

September 7th BoC Rate Hike

Adapting Your Finances

5 Reno’s With the Best ROI

Should You Pay Off Your Mortgage Early?

Gasoline Prices Dipped, But No Time To Celebrate

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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