We were very happy to hear this week, that finally, the youth of Ontario will be learning about financial literacy as part of their school curriculum. The details are yet to be rolled out, but it’s a step in the right direction. As it stands, we learn our financial habits primarily from our parents and […]

Debt has now become a nightmare in the mortgage world. Prospective homeowners have to be very careful about the debt they accumulate because they could find themselves becoming eliminated from the housing market. The federal government recently changed the rules surrounding unsecured lines of credit, so now lenders must use 3% of the balance as […]

How much more stress can we take as Canadians? Why hit homeowners and hope-to-be homeowners without adequate time to plan and adjust? Prior to October 17th, in order to qualify for a typical 5-year fixed rate mortgage amortized over 25 years, as long as you had a 5% down-payment, you could qualify at the rate […]

We can now say without question, that the Tipping Point has occurred. By definition, this is the point at which a series of incidents has become significant enough to cause a larger, widespread, more important change. Let us explain… When we first started this business 16 years ago in Mount Forest, we got all the […]

Here is something you will never see written in an article about mortgages. Ron and I started our mortgage business 16 years ago with the value to always ‘do what’s right for the client’.  It was humble beginnings for sure working from our home helping one client at a time. We faced and continue to […]

An article in The Financial Post Saturday May 28th entitled, “THE FIXERS”, referred to the manipulation of the gold market worth trillions of dollars per year where bankers collude and conspire to manipulate the price of gold stock before they place buy and sell orders designed to maximize profit. Folks, we need to wake up […]