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October 24, 2018
In this article we’ll look at the 5 most popular questions when it comes to consumer proposal: How does a Consumer Proposal work Who is eligible for a Consumer Proposal Will my spouse be affected by my Consumer Proposal OSAP & Consumer Proposals Second Time Proposals How does a Consumer Proposal Work Consumer Proposals (“proposal”)...
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Sometimes even successful people run into debt problems. We see it often with small business owners who have not set up a proper tax remittance program with CRA. One day they wake up to a huge tax liability that isn’t likely to go away. A CASE STUDY: Chao and Xiaoling own their home and three...
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I am a big fan of the mortgage pre-approval — in any interest rate climate. Even when mortgage interest rates are steady or falling. And doubly so when rates are creeping upwards, as we have seen in the past several months. Why? Because the pre-approval will hold an interest rate for you while you continue...
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All realtors want their clients to be pre-approved prior to house hunting, and all buyers should want the same thing. This is true even though there is never, ever a sure thing with pre-approvals – since buyer circumstances can change or maybe the property being purchased will not be up to snuff. In Canada, a...
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As a first time buyer this is your first rodeo, but with the help of experts – your Real Estate agent, your Mortgage Specialist, heck… even your been-there-done-that parents – the journey can be a whole lot easier. This article provides key tips, advice and everything else you’ll need to be aware of on your...
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Sometimes you need to increase your credit score in a hurry. For example, maybe you are buying a house and your mortgage broker has told you your score is too low. Here are four quick tips which will give practically everyone’s score a boost. Access all your credit card and line of credit statements and...
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 Here in Canada, your credit score always matters — even when you are applying for a mortgage with an alternative lender or a private mortgage lender. It’s true they specialize in helping borrowers with damaged credit, but they still want to see signs of rehabilitation and repayment performance in the applicant’s track record. And...
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What if I told you your mortgage renewal might offer a shockingly high-interest rate? Or that now, some mortgage lenders require a property appraisal at renewal time, and some even check your credit or confirm your income and employment prior to renewing your mortgage? Bad News for Mortgage Renewals in Canada Last month we received...
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The convenience of auto-renewing your mortgage is compelling but may be a very poor financial decision on your part. The mortgage industry is changing rapidly, and for strong borrowers, it really is a buyers’ market. It just takes a little extra effort on your part, and you may save yourself thousands of dollars. Important Announcement:...
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The Truth about Alternative Mortgage Lenders Some members of the media have gone overboard painting a dark and dour picture of alternative mortgage lenders. The impression they give is that a bank mortgage is lily-white-extra-virgin-be-all-and-end-all, and anything else is inferior — and perhaps unsavoury. We hear terms like shadow lending, sub-prime lending, private lending, alternative lending,...
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