Category

Bad Credit Mortgages
_buy a home completed consumer proposal 700450X THUMBNAIL
Once a consumer proposal is paid in full, many Canadians turn their attention to buying or refinancing their home. What is the recommended waiting time after completion before purchasing a house or condo?
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_completed consumer proposal 700450X THUMBNAIL (3)
A horrible credit score after finishing a consumer proposal isn't necessarily your fault. Many who've completed a consumer proposal are surprised to learn that numerous mistakes on their credit report are doing serious harm to their credit score.
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Cost of private mortgage
Private mortgages have a number of costs you may not expect, and different terms and benefits than traditional mortgages. Rather than just focusing on the interest rate, it's important to understand the total cost of a private mortgage before deciding this product is suitable for your needs.
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Published: • This is the second in a three part series of articles discussing private mortgages. Private mortgages are becoming increasingly common because of extremely high house prices, especially in Canada’s major cities, and as a result of the mortgage stress test. In Part 1, I covered the basics, answering the most frequently asked questions....
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consumer proposal 700450X THUMBNAIL
Consumer proposals are an important part of the Canadian insolvency process, and are the main alternative to filing for bankruptcy. We answer 5 of the most common questions about consumer proposals.
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https://askross.ca/alternative-mortgage-lenders-canada-bad-credit-private-second-mortgages/
The media paints alternative lenders as shadowy, less-than-reputable lenders who prey on desperate homebuyers. We look at the important role that alternative and private lenders play in the market and compare them with traditional "A" lenders, such as banks.
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Buying a home after a consumer proposal is a real possibility, but you must prepare for the credit history challenge. 3 scenarios for buying a home after a consumer proposal are discussed.
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Published: • Don’t Wait Until You’re Ready to Buy a House to Renovate Your Credit Scores Because we are credit specialists as well as mortgage agents, at Ross Taylor & Associates we help many clients who are trying to improve their credit history. Some have gone through consumer proposals, debt settlements, or even personal bankruptcy....
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