Credit / Downpayment / First Time Home Buyer / Income / Lenders / Mortgage Renewal / New to Canada / Pre-Approvals / Purchase / Qualifying / Quizzes / Rates & Terms / Refinance / Rental Properties / Rules / Variable Interest Rates

Which Rate Is Right For You?

Picking an interest rate and mortgage term that is right for you can be a daunting task for some. First you have to decide if you want to take a fixed or variable interest rate, then you need to determine what term length suits you best. In addition to that, you then choose between a … Continue reading

Bankruptcy / Broker vs. Bank / Credit / Debts / Mortgage Renewal / Purchase / Qualifying / Refinance

Bankruptcy & Mortgages- Do they go together?

Bankruptcy is the legal process that allows individuals to obtain debt relief while still being fair to their creditors or lenders. If you are considering this, you should contact a federally licensed bankruptcy trustee to discuss all of the details involved in declaring bankruptcy and how it will affect your overall financial profile. The other … Continue reading

Bankruptcy / Broker vs. Bank / Credit / Debts / Downpayment / First Time Home Buyer / Mortgage Renewal / Pre-Approvals / Purchase / Qualifying / Rates & Terms / Refinance / Rental Properties

Bad credit? You can still get a mortgage!

Your Credit Report is one of the most relevant items a financial institution will use to determine the risk level of lending you money. Your Credit Report indicates to lenders how well you have paid your creditors in the past and they will use this information to determine the likelihood of any default in your … Continue reading

Bankruptcy / Credit / Debts / Mortgage Renewal / Purchase / Qualifying / Rates & Terms / Refinance

Rebuilding your credit after a bankruptcy or consumer proposal

Let me start by saying, bad things happen to good people. The reasons for a Bankruptcy or Consumer Proposal are not important at this time. It already happened and now it is time to move on and rebuild. We want to help. A bankruptcy will show up on your credit bureau for 6 years after … Continue reading