By

Ross Taylor
  Reverse Mortgages (55 yrs+) This is an idea whose time is now. Factor together our aging population, exploding home values, and the high cost of living, there is so much home equity that seniors age 55 and over can tap into. The list of possible uses is limited only by your imagination: Pay off debt Need...
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Mortgage interest rates finally rising Mortgage interest rates are still incredibly low by all historical measures. Nevertheless, we have seen frequent rate changes and increases in the past few weeks. The two rates we tend to focus on are the five year variable rate mortgage (VRM)  rate and the five year fixed rate mortgage rate....
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Rebuilt credit quickly to qualify for mortgage About a year ago a reader in Alberta sent me a message lamenting his poor credit score, and asking what he and his fiancee would have to do to qualify for a mortgage. Their desire was to own a home within a year. He wrote as follows: “Hello...
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Tenant wants to buy the condo he is renting Jordan had been renting a two bedroom condo in Etobicoke for several years, and decided a few months ago he was ready to own. His landlord was interested in selling, so it looked like a perfect storm of circumstances. Jordan came to our office to see if he...
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No credit history qualified for a mortgage Five months ago, Arun Kumar  from Right at Home Realty referred his clients Raj and Nindy to me for a pre-approval for a mortgage for their first home. Raj has a good job making $71,000 per year, and Nindy was about to re-enter the work force and take a job...
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You should open an account with CRA These days dealing with the Canada Revenue Agency is so much easier if you take advantage of their online services. They have a portal called Your Account, which contains an incredible amount of your personal past and current tax related information, all in one place. In the mortgage...
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Thirty ways to save money In my financial planning and credit counseling businesses I get to see how people spend their hard earned money. It is always mystifying how so many will complain about there never being enough money to go around, yet to me they seem to be wasting money on stuff they don’t...
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Absolute lowest mortgage interest rates As far as mortgages are concerned, there is a segment of the population whose only concern is their interest rate – it has to be the absolute lowest, no matter what. But it should matter! If you are reading this article because you were attracted by the title, and all you care...
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Give your kids an inheritance with warm hands According to HomEquity Bank almost 5% of their clients aged 55 and over arrange reverse mortgages as a way to gift money to their adult children. “What we hear from some of our clients is that they want to see their loved ones enjoying the results of their...
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