Pete called in a panic. He went out and bought a house based on his bank’s pre-approval. The Agreement of Purchase & Sale gave him 5 banking days to obtain financing, otherwise the deal becomes null and void if he does not waive the financing condition, thereby firming up the purchase. Not only did the […]

When you need advice about where you stand, credit wise that is, before you apply for a mortgage, who  should you call first? folks the answer here is anything but gray, it’s black and white. The answer is us. When approaching your bank first for a mortgage, you are likely to be told at first […]

Would your bank call you up and suggest that they give you an ‘all time low’ interest rate now, instead of waiting for maturity next year, when rates will be higher. Of course not. The banks are looking out for their interests, not yours. Well folks, we are dedicated to look after your interests. WE […]

Over the past quarter, we have seen some rates dip versus increase as predicted. Yes bank prime increased two times but fixed rates have come down and the discounts on variables mortgages have become more attractive as well. New reports of moderating inflation coupled with slowing recovery have taken the pressure off the Bank of […]

Ross was a guy who just doesn’t give up. When his mother(who got her mortgage through us) asked us to help her son, his wife and her three grandchildren we knew our work was cut out for us. Although they had good credit, their debt load was too high to fit any bank’s criteria. But […]

Although even 1/4, 1/2 to 3/4 % can mean tens of thousands of dollars more interest. When you renew or refinance with the same lender(on your own, without a broker), you are likely not getting the best rate. As a matter of fact, we can also guarantee it, because most lenders(banks and non banks alike) […]

Mortgage brokering is not a new phenomenon, it has been around for decades. In the past, only those who had bad credit would use the services of a broker. As higher risk transactions, generally rates would be higher, loan to value ratios were lower(than mortgages with good credit risks)and brokers were paid for their service […]

We are excited and pleased to announce that we just received news that we are # 1 in Ontario out of some 1,700 mortgage consultants. Tracy, myself and our assistants Jim and Laurie love making a positive (sometimes huge) impact on people’s lives. Whether it be helping folks buy their first home, moving up to […]

Jennifer has been a client of ours for ten years. When her marriage broke down and her credit was in the toilet, we were able to help her keep her home by having her father co-sign. We were there cheering Jennifer on when she landed a good job in sales a nd we helped and […]

‘We gotter done’ as they say in the country. In the past if you were self employed for less than 3 years you had trouble getting a mortgage. But the rules are now changed. It’s now easier for newly self employeds than a person who has worked years as self-employed. The old rules wanted job […]