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Closing costs are the fees paid by the buyer to finalize the purchase of a property. These costs can include appraisal fees, title...

Canada’s new First Home Savings Account (FHSA) designed to help Canadians save towards a down payment for their first home tax free,...

As a mortgage agent we have access to all types of lenders to support all types of clients through every stage of their life.🏡 ✨A -...

Did your preapproval come back short? Follow these 3 tips to instantly increase your preapproval amount ✨ ✨1. Lower your debt-to-income...

While your bank can only approve you for their mortgage product with their associated rates, a mortgage agent can compare and shop...

Looking to break your mortgage term? Here’s what you should know first! 🏡Prepayment penalties are fees paid to your current mortgage...

Looking to pay off your mortgage faster? Prepayment privileges will help you do so in the cheapest way possible! ⬇️ A prepayment...

To increase your credit score and accessibility to a lower mortgage rate, follow these 3 tips: 1️⃣ Use all credit cards and lines of...

Understanding amortizations and terms can help plan a mortgage that works for every stage of your life. Moving? Renovating? Accessing a...

The questions you should be asking about your down payment ⬇️ 🏡 How much should I put down? - Owner occupied: ••• In Canada, a minimum...

With rates rising above Canada’s current 5.25% stress test, did you know you must qualify for 5.25% or 2% above your approved rate?...

✨Renewals ✨ • A renewal is a process at the end of your term, in which you renegotiate a new mortgage term based on current rates. - For...

Follow these tips for a smooth approval with any lender ✨ 1. Check your credit score. - To secure a lower rate; utilize credit repair if...

The two ratios lenders will look at are: •GDS (gross debt service) ratio and •TDS (total debt service) ratio. •A GDS ratio is a the...

When it comes to selecting a rate, there are two options for your purchase, refinance, or renewal. Those options are a fixed rate or a...