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Have you ever wondered what lenders base their decisions on when it comes to approving or rejecting a mortgage application? The requirements can be...
Why do mortgage rates change?
If you are wondering what changes mortgage rates, many factors influence both fixed and variable rates. Some of these include the health and growth...
What increases or decreases your borrowing power?
A mortgage pre-qualification is your first step when applying for a mortgage loan. It gives you an estimate of your maximum home purchase price...
Can you negotiate your mortgage rate?
If you’re unaware that you can actually ASK for a better mortgage rate, don’t worry, you’re not the only one! Most Canadians don’t realize that you can negotiate your mortgage rate at each renewal, AND you can consider breaking your mortgage part way through the term...
How long will it take to pay off your mortgage?
So, you have purchased a home. As a new homeowner, one of the first questions we often ask is, “How long will it take me to pay off my mortgage?” There are 2 key terms to understand in order to make the most educated decisions about how fast you pay of your...
Why mortgage flexibility is important
When we are searching for a mortgage, often, we want to try and find the lowest interest possible. However, it is not just the interest rate that determines how much the mortgage loan will cost you. It is good to keep in mind that sometimes mortgages with lower...
What is a Mortgage?
Have you ever wondered what the word “mortgage” actually means? Let's break it down so that you've got a better understanding of what a mortgage is and how it works so that you can better decide how it can help you achieve your home purchase. What's a mortgage and how...