Blog
How a Home Inventory List Can Protect The Things You Love
You are moved-in and settled. The paintings and family portraits are hung neatly on the walls. The boxes are all emptied and put away under the stairs; your house has now become your home. When we met and signed your...
What To Expect At The Lawyers Office
You found the right house for your lifestyle right now. You have the perfect mortgage that fits your financial needs; what's next? Depending on your possession date, maybe you need to hurry up and pack? Request your utility and internet...
Collateral versus Standard Charge mortgages
More lenders today are moving towards collateral charge mortgages. Why? Because it glues you to "that" lender. It's not necessarily a bad thing, but you should know what you are signing as it's becoming increasingly important to understand the difference...
Bridge Financing What you need to know
A bridge loan is a short-term loan that you give yourself. You are borrowing money against your existing home's sale to facilitate the down payment on the home you are purchasing. Bridging is a tool that helps you "bridge" the...
Paying Property Taxes in Ottawa What are your choices?
Property taxes are a MAJOR monthly expense for all homeowners. The collection and portion of monthly property taxes are out of our control, but we have outlined below several payment options for your review: OPTION #1 - Pre Authorized debit...
Do You Know The Difference Between A Mortgage Broker and A Bank Mortgage Specialist?
I like to say, "I'm a one-trick pony." Why? All I know is mortgages; this is what I do. It's what I've done for the past fifteen years. I do not offer bank accounts, GICs, or RSP's; although I am...
Mortgage Application Process
To help you understand the mortgage application process, I have created a simple outline of what you can expect to happen and when these tasks will occur. Please use this as a guideline, not an absolute; every situation is a...
Moving with Pets? Five MUST Do’s
I recently traveled across Canada with my pal, a four-legged, 20-pound tuxedo cat with a bad attitude, and the worse thing, he talks, yes, you heard me, he speaks. Well, not in sentences, but NOW, NO, Mama, hello. Often when...
Understand Your Credit Score And How Credit Works For You
It's important to understand your credit score and how credit works for you. Here's my coles notes version of how to use and keep a fantastic credit score. Below you find the technical reasons. What every Canadian needs: Two high-quality...
Fixed Vs. Variable Rate
What's better, a fixed rate or a variable/adjustable rate? Before I answer this question, you must understand the difference between a fixed-rate mortgage, adjustable-rate, and a variable rate mortgage. An educational moment is coming up. Fixed-rate mortgage: - A fixed-rate...
