Mortgage Blog

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Category: Financing (14 posts)

Spring Clean Your Finances!

Spring Clean Your Finances!

April 27, 2022 | Posted by: Charlene Hinds

Spring finally arrived after a long winter, and with inflation and the rising cost of living on everyone’s mind, there’s never been a better time to do a little spring cleaning… of ...

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Higher interest rates are here. What does it mean for you?

Higher interest rates are here. What does it mean for you?

March 2, 2022 | Posted by: Charlene Hinds

The Bank of Canada has been signaling for a while now that they will respond to inflation by raising interest rates. Sure enough, on March 2nd they announced a hike in the overnight rate by 0.25% ...

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It’s RRSP season. Why is this important to you as a homeowner?

It’s RRSP season. Why is this important to you as a homeowner?

February 23, 2022 | Posted by: Charlene Hinds

The deadline to contribute to your RRSP this year is March 1. Your home may be the perfect tool to pay yourself first and grow your net worth. Many homeowners feel caught between competing financial ...

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First-time homebuyers can tap their RRSPs to help with a home purchase.

First-time homebuyers can tap their RRSPs to help with a home purchase.

February 3, 2022 | Posted by: Charlene Hinds

Thinking about buying your first home? Wish you had saved up a good down payment? Maybe you have, but didn’t know it. Designed to help first-time buyers get into home ownership, the federal Hom ...

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Sensible strategies to help you thrive in 2022

Sensible strategies to help you thrive in 2022

December 21, 2021 | Posted by: Charlene Hinds

Canadians keep talking about the housing market! Are we in a housing bubble, will rates rise in 2022 and by how much, is this the right time to buy or refinance, is a lender’s renewal offer the ...

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What’s involved in giving your child a boost to home ownership?

What’s involved in giving your child a boost to home ownership?

October 8, 2021 | Posted by: Charlene Hinds

With the financial demands of school loans, living expenses, and finding a career path, many young people struggle to purchase their first home. Often, parents and grandparents are very sympathetic. T ...

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Six Tips for Financial Fitness this Fall

Six Tips for Financial Fitness this Fall

September 14, 2021 | Posted by: Charlene Hinds

It’s September and there is some optimism that we may be moving towards the end of life in a global pandemic. The Fall has always been a great time to go back to school on financial fitness, and ...

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What is the Qualifying Rate?

What is the Qualifying Rate?

September 6, 2021 | Posted by: Charlene Hinds

You’re probably aware that there have been many mortgage rule changes over the last several years, and you’re almost certainly affected whether you’re an existing homeowner or first- ...

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How to Deal with Mortgage Payment Difficulties

How to Deal with Mortgage Payment Difficulties

July 6, 2021 | Posted by: Charlene Hinds

Sometimes unforeseen financial circumstances can impact your ability to make your regular mortgage payments. Or perhaps your debt demons have been caused by taking on too much other high-interest debt ...

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6 Ways for Homeowners to Build Wealth

6 Ways for Homeowners to Build Wealth

June 28, 2021 | Posted by: Charlene Hinds

History has proven that homeownership is a solid long-term investment. You build your equity stake through your regular mortgage payments and your home’s price appreciation over time. But wealth ...

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Six Ways to Boost Your Credit Score

Six Ways to Boost Your Credit Score

June 28, 2021 | Posted by: Charlene Hinds

Your credit score is essentially your passport to financial opportunities. With a possible range of 300 to 900, your number tells lenders what kind of a risk you are likely to be as a borrower. A low ...

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 “Conditional on financing”: the most important part of your offer

“Conditional on financing”: the most important part of your offer

March 26, 2021 | Posted by: Charlene Hinds

When you find the condo or house of your dreams and want to make an offer, do you need a financing condition? Unless you can pay cash for the home, then yes you do. That little phrase – “c ...

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Strategies to Dig Yourself Out of the Debt Hole

Strategies to Dig Yourself Out of the Debt Hole

July 17, 2020 | Posted by: Charlene Hinds

Debt. It's something almost everyone will have at some point in their life. But what happens when your debt begins to get the better of you? What options are available? Some simple strategies can he ...

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Why You Need an Emergency Fund And How to Get One

Why You Need an Emergency Fund And How to Get One

July 10, 2020 | Posted by: Charlene Hinds

Building an emergency fund is something most people know they should do but few actually get around to doing. A recent study found that nearly two-thirds of Americans did not have an emergency fund, a ...

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