The early spring housing market is heating up with the lowest rates in history, right now! Let’s take a quick look historically at where rates have come from. 5 year fixed was 22% in 1982, 14% in 1991, 9.9% in 1994, 7.5% in 1995. By 2010 it was down to 5%. Today it hit […]

  With the tightening of mortgage rules by the federal government over the past few years, qualifying for a prime institutional mortgage has become more difficult. This has increased the demand for alternative money sources. Refinances are now restricted to a maximum 80 per cent loan to value and as a result high ratio lending […]

  Well Spring came early this year for us as low   low interest rates spurred on first time home buyers to purchase.  First time home buyers are our specialty   for many reasons but mostly because we thoroughly enjoy going through the   process with them.  It is a journey of sorts making sure […]

  One of the major banks is running an ad that states “Richness is: Kissing our mortgage goodbye. Own   a home, not a mortgage. Be mortgage-free faster   and easier.”   After we pressed the ‘Ask us now’ link to see what more   info the bank offered, we could not find any further […]

  Ryan Lockhart doesn’t need a get-away car or face mask to feel comfortable robbing his bank. Ryan is a student of Scott Peckford who wrote the book of the same title. The book is a ‘game plan’ to help people turn the tables on their bank to keep more of their hard earned money. […]

WITHOUT CHANGING YOUR MORTGAGE SAVE $100,000+ Attend our seminar next Thursday Feb 27th and we will show you how to pay off a 25 year mortgage in less than 10 years and save over $100,000+ WITHOUT CHANGING YOUR CURRENT MORTGAGE, WITHOUT REFINANCING, WITHOUT ACCELERATED PRE-PAYMENTS all within your current budget. It sounds too good to […]

                                                   Most Canadians ‘Dream’ someday living without financial   stress and not having to worry about money. But for most, it remains just   that, a Dream, that is never fulfilled. According to Equifax the average Canadian consumer debt at   the end of 2012 – not counting mortgages – was up nearly 6 per […]

  This is the first article of several planned to expose bank practices, quoting from the words of authors/sources in the financial milieu. After you read the poinient words and examples all factual, we hope you will decide to entrust your next mortgage to an independent professional mortgage broker that looks out for your best […]

  CREDIT CARDS & LINES OF CREDIT (HELOC’s) are the two worst kinds of credit because of high interest and fees, annual fees, late fees etc. They give a false sense of buying power. Believe it or not, some people actually think of this type of credit as ‘income’. Buy now pay later schemes lure […]

  It’s that time of year again when many of us are faced with credit card bills that may be the ‘Choking’ result of Christmas and holiday shopping. If you are finding that you cannot pay the balance(s) in full, then it may be time to ask us for a ‘Mortgage Checkup’. Not only will […]