8 Mortgage Secrets Everyone Should Know
Bankruptcy / Broker vs. Bank / Credit / Documents / Downpayment / Insurance / Lenders / New to Canada / Pre-Payment / Purchase / Qualifying / Rates & Terms / Refinance

8 Mortgage Secrets Everyone Should Know

Mortgages are not a subject we learn about in high school, although I wish they were. Credit, interest rates and qualifying for a mortgage are all things that will greatly affect your lifestyle going forward. Some hear about them through friends, family or the Internet. My concern with this is the mortgage market is a changing … Continue reading

Can you get a mortgage after bankruptcy?
Bankruptcy / Credit / Documents / Purchase / Qualifying / Rates & Terms / Refinance

Can you get a mortgage after bankruptcy?

The quick answer is yes, you can get a mortgage after you have been discharged from a bankruptcy. Though the amount of time you can apply after the date of discharge is dependent on which lender you are applying with. What is Bankruptcy? Bankruptcy is the legal process that allows individuals to obtain debt relief … Continue reading

Credit / Documents / First Time Home Buyer / Lenders / Mortgage Renewal / New to Canada / Purchase / Qualifying / Quizzes / Rates & Terms / Refinance / Rental Properties

How strong is your credit application?

When it comes to borrowing money, we’ve come a long way from just a handshake to seal the deal. Now there’s an application process which includes meeting the qualifying guidelines, review and understanding of any terms and conditions, paperwork to sign, and more that goes along with getting approved for financing. Are you wondering how … Continue reading

Broker vs. Bank / Credit / Documents / Lenders / New to Canada / Pre-Payment / Purchase / Qualifying / Rates & Terms / Refinance / Rental Properties

Your mortgage has been declined! Now what?

Alternative Lending 101 If you’re thinking of getting a mortgage, if you are like most of us, you’ve likely done some research to see what’s required in order to be approved. But what happens if you don’t meet ALL the requirements? Welcome to the world of alternative lending. These mortgage offerings are geared towards a … Continue reading

Credit / Downpayment / Lenders / Market Updates / Purchase / Qualifying / Quizzes

Test Your Mortgage Knowledge

Test Your Knowledge How well do you know your mortgage options? There is no denying the fact that our mortgage market is always changing and evolving. I thought a quiz would be a fun way to test your knowledge of mortgage options currently available to you. After the quiz, I’ve provided both an answer to … 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