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Re-financing may be an option

Re-financing may be an option

Although low interest rates and a vigorous housing market continue to be the norm, Canadians are still saddled with the burden of high debt loads. According to recent stats, the ratio of debt to disposable income rose to 167.3% by the end of 2016. This means that...

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Should Senior Canadians consider a Mortgage?

Should Senior Canadians consider a Mortgage?

Recently we discovered an article published by The Globe and Mail, ‘Seniors taking out mortgages – is it ever a good idea? By Diane Jermyn. The article follows a senior couple who are considering accessing funds locked up in their home equity by taking out a...

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The importance of Remembrance Day – “Lest We Forget”

The importance of Remembrance Day – “Lest We Forget”

The importance of Remembrance Day – “Lest We Forget” “In Flanders fields the poppies blow Between the crosses, row on row, That mark our place: and in the sky The larks still bravely singing fly Scarce heard amid the guns below.” The immortal words of Lieutenant...

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New Mortgage Rules

New Mortgage Rules

In response to concerns that some markets in Canada are ‘overheated’ and that Canadian debt levels continue to increase, Ottawa has announced new rules. These changes are meant to alleviate risk in Canada’s housing market but may have a significant impact on the...

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Difficult times require sensitivity and understanding

Difficult times require sensitivity and understanding

The loss of a loved one. Difficult times require sensitivity and understanding. Losing a loved one is the most traumatic and emotional time in anyone's life. Life goes on, There will be strong emotions, intermittent fatigue, while still having to cope with daily life...

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The Importance of Managing Your Credit Score

The Importance of Managing Your Credit Score

As a mortgage broker dealing regularly with clients having ‘Bruised’ or ‘Challenged’ credit (or any of the other euphemisms used to describe it!), I am constantly amazed at the lack of knowledge of some generations about this important financial measure. There is a...

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Whitby Chamber of Commerce mortgage-professionals-canada Newcastle & District Chamber of Commerce