Mortgage Blog

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Category: Mortgages (14 posts)

The Mortgage Broker Advantage

The Mortgage Broker Advantage

January 25, 2022 | Posted by: Charlene Hinds

Increasingly, Canadians are turning to mortgage brokers for their first and next mortgage, taking advantage of the value and convenience of their services.  One of the most compelling reasons to ...

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Preparing for higher rates

Preparing for higher rates

November 29, 2021 | Posted by: Charlene Hinds

Given inflationary pressures, the Bank of Canada indicated in their last rate announcement that rate hikes could take place earlier than previously indicated, in mid-2022, which means variable rates t ...

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Which mortgage features are the most important?

Which mortgage features are the most important?

August 30, 2021 | Posted by: Charlene Hinds

Which mortgage features are the most important? It’s easy to look online for a mortgage rate. But rate is only one aspect of saving money on your mortgage over the long term. It’s essenti ...

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Switching mortgage lenders for a lower rate

Switching mortgage lenders for a lower rate

August 2, 2021 | Posted by: Charlene Hinds

With today’s historically low rates, many Canadian homeowners are looking for advice as to whether they should move their mortgage for a better rate. You can switch to another lender at any time ...

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What’s a monoline lender and how is it different from a bank?

What’s a monoline lender and how is it different from a bank?

July 26, 2021 | Posted by: Charlene Hinds

I’m often asked about monoline lenders - who are they, what benefits do they offer, and how do you get access to a monoline lender anyway? Good questions.  “Mono” means “ ...

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How to Get a Kitchen With Your New Mortgage

How to Get a Kitchen With Your New Mortgage

July 26, 2021 | Posted by: Charlene Hinds

Canadians know that a smart home renovation can both increase their property value, and improve the way they live in their home. Putting a renovation on your high-interest credit card can wipe out the ...

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That Low-Rate Mortgage could actually Cost you More.

That Low-Rate Mortgage could actually Cost you More.

July 19, 2021 | Posted by: Charlene Hinds

Cheapest is not always best. We know that’s true when we’re shopping for anything else. But we still tend to believe that lowest rate is the one and only factor in choosing a mortgage. Mos ...

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10 Great Reasons to use a Mortgage Broker

10 Great Reasons to use a Mortgage Broker

July 12, 2021 | Posted by: Charlene Hinds

For many Canadians, mortgage payments are their single biggest expense. Yet most don’t comparison shop to ensure they’re getting the best mortgage rate and terms available, which can cost ...

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Seven Signs You May Need a Mortgage Tune-Up

Seven Signs You May Need a Mortgage Tune-Up

July 9, 2021 | Posted by: Charlene Hinds

Did you know that just like your car or your home, you mortgage can benefit from a seasonal inspection! Your car gets taken in for regular servicing to keep it running for the long term, shouldn&rsquo ...

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5 Reasons to Get a Second Opinion on your Mortgage Renewal

5 Reasons to Get a Second Opinion on your Mortgage Renewal

June 21, 2021 | Posted by: Charlene Hinds

Given the large financial commitment of a mortgage, it's surprising that so many homeowners sleepwalk through the mortgage renewal process and don't look at all their options in the marketplace. Many ...

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Fixed or Variable Rate Mortgage?

Fixed or Variable Rate Mortgage?

May 31, 2021 | Posted by: Charlene Hinds

This spring we’re seeing aggressive pricing for variable rate mortgages, while fixed mortgage rates continue to be at historically low levels. Which is best for today’s uncertain environme ...

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How Mortgage Rates are Determined

How Mortgage Rates are Determined

April 12, 2021 | Posted by: Charlene Hinds

What affects mortgage rates? Government policies to protect the economy during the pandemic resulted in exceptionally low mortgage rates for both fixed and variable rate mortgages. As we start moving ...

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

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

July 31, 2020 | Posted by: Charlene Hinds

Before you start shopping for a new home, you'll need to know exactly how much house you can afford. Otherwise, you could end up in a home that is way out of your budget. What you qualify for may not ...

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

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

July 24, 2020 | Posted by: Charlene Hinds

Borrowers are loving the current record low interest rates, and homeowners stand to benefit even more. If you bought your home more than a few years ago, you could probably benefit from a refinance ...

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