Category

Mortgages for First Time Buyers
Rebuild your credit well before buying a home 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. Not everyone. Some others hit hard times in...
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Condos are the new starter home A few years ago, mortgage insurers and lenders began to really toughen up their lending guidelines for condos – convinced this particular segment was overheated and over built, and headed for a huge correction. Mortgage brokers and their clients increasingly turned to private mortgages for refinances as the appetite...
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Introducing the Canadian Personal Finance Hub I am working on a new free offering – it’s a daily personal finance news digest sent directly to your inbox. This is a work in progress, so please bear with me, and let me know at any time if you have specific areas of interest you would like to see. My...
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What type of mortgage is right for you Sorry to rain on your parade folks, but there is a lot more to choosing your mortgage than simply hammering your banker into submission and nailing the lowest interest rate possible. Would you choose the cheapest new home on the market, regardless of where it was located?...
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Buy first home or repay student loans? Today’s question came from Alison in Mississauga: “Hi Ross I currently have a $50, 000 CAD student loan which I must now start paying off. I have a short term work contract, making a $70,000 a year salary. I have about $10,000 in savings, but am unsure about how...
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First home or student loans? This is part two of the response to a question from Alison, who wanted to know if she should first pay off her student loans before saving for a house. You can read part one here. Hi Alison, I like the idea of power saving for the foreseeable future –...
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