For most homeowners, figuring out your mortgage penalty can be like solving a Rubik’s Cube. Mortgage penalties see to be written in a language similar to legalese. The sad fact is that you don’t realize how costly it can be to break your mortgage until you have to, are forced to, or if you decide […]

This is but one of many adages that suggests we avoid trying new things so that we stays with and keep the good old ‘status quo’. Another one is “Better To Be Safe Rather Than Sorry”. In this hectic world today we are bombarded with messages of ‘Caution’. We are ‘fed’ a steady diet of […]

BETTER THE DEVIL YOU KNOW, THAN YOU DON’T?This is but one of many adages that suggests we avoid trying new things so that we stays with and keep the good old ‘status quo’. Another one is “Better To Be Safe Rather Than Sorry”. In this hectic world today we are bombarded with messages of ‘Caution’. […]

Finally great spring weather has arrived and with it a ‘Bloom’ in home listings giving prospective buyers much more to choose from.Once again it is a great time to buy a new home. With a more plentiful supply of listings things have started shifting back to a more balanced market between Buyers and Sellers. And […]

IT’S NOW OR NEVER FOR VACATION/SECOND HOME FINANCING WITH 5% DOWN!CMHC recently announced it is eliminating vacation and second home financing at the end of May, shutting down access to buying a second home, cottage or homes/condos for children attending post-secondary institutions in other cities.Starting June 1st, a minimum 20% down payment will be required […]

                                     BUYERS, this powerful breakthrough CHRP program allows you to add up to $40,000 on top of the purchase price on MLS Resale homes. Yes it’s true, you can do it, but it is only available exclusively through us and an […]

    Phew what a never ending winter. Just like the ones when I was a kid.  As for spring, well we might just ‘Spring’ right into summer this year. Let’s hope it a good one.  As the spring buying season warms up (even though the weather doesn’t want to) rates are once again near ‘all time […]

  Mike owned a house and in moved his girlfriend Susan. After a year and a bit they bought a newly built home and ported his existing bank mortgage to the new property.   Within two months he and his girlfriend decided to part ways. He agreed to buy her out so that they did not […]

With increasing regularity, people are coming to us at the eleventh hour to help them get out of a power of sale situation. Many of them have significant equity in their properties that they stand to lose when it is completely unnecessary.Homeowners miss payments for many reasons. Often the situation is temporary and can be […]

  For those of you who read our articles regularly, you understand that we are Mortgage Consumer Advocates. If you are reading us for the first time, please allow us to explain that someone must be on the consumer’s side, looking out for your best interests. Someone must protect you, right?  We decided to take on this role […]