Often new clients call us and ask. “What is your best rate?” A few years ago, this was a pretty straight forward question. But since the government has changed the mortgage rules, the best rate offered by our 95 different lenders is now a very complicated question. Best rate is now limited to high ratio […]

Joan came to us from the City of Guelph after being turned down by her bank. She had big plans to renovate her house and wasn’t about to give up after the branch she had been dealing with said it couldn’t be done. Joan and her husband had excellent credit and good incomes. But they […]

Yes, you can buy a cottage! Most people do not realize how easy it is to purchase a waterfront property in Ontario.  There is so much variety in Ontario and really across Canada.   I grew up with a cottage on a lake near Parry Sound.  Every weekend, my parents would load us 5 kids into […]

Never thought I would see it in my lifetime but it has happened. The reality of all the measures the government has taken is now impacting first time home buyers and even people considering moving up to a better home. I stress tested our area and it will take over 90 k in income with […]

READY TO BUY A HOME? HOW IS YOUR CREDIT? WE CAN HELP! Purchasing a home can be a very daunting experience.  For many it feels like going back to school to educate yourself on the whole picture. Did you know your credit score has a major impact on your ability to purchase a home, and […]

Never Move Your Kids Again! YES, you can purchase for 5% down. Even if you own now, you have the ability to sell and jump back into market, purchase again with the minimum down payment. Most people believe 5% down payment is limited to purchasing their first home. Not true. And with the recent government […]

Everyone believes that being a general contractor is easy, I thought so too until I recently acted as the GC for my house.  I didn’t work in any construction field going into it but I love challenges and learning, so why not have a little project -it’ll be easy- 😉 ?   What did I do […]

We were astounded to see media headlines last week stating that “1 in 3 Canadians threaten to go bankrupt if interest rates keep climbing.” This was reported on the heels of the Bank of Canada’s decision to increase the overnight rate by 0.25% for a third time since July 2017. (The media did exaggerate slightly, […]