10 Oct 2019

You need a mortgage. You are buying/renewing/refinancing. So what do you do? Increasingly a lot of people are turning to the internet to find out what the BEST RATE is. Ahhhh, the best rate.  You see a flashy advertisement for a rate website that promises you the best of the best. You’re convinced this is…

09 Oct 2019

One of the biggest myths I hear often is when I ask to check someone’s credit, and, they don’t want me to because it will “affect their score”. Hey – I get it – you want to make sure your credit maintains its excellence and you’re afraid if I check it, things will go sour….

03 Oct 2019

Hey There! Last week I was discussing the various platforms and ideas that all the political parties are coming up with when facing voters. We know that the Liberals are increasing the “Shared Equity Program” to $750,000 max in GTA for first-time buyers only. The Conservatives and NDP are trying to increase amortization to 30-years…

25 Sep 2019

I have a suggestion for you. If you value your time, and like to be productive, never, ever, ever, spend time on Twitter. It literally is like a time vacuum that simply sucks the seconds away without you even noticing. It’ll get you angry, riled up, and annoyed at the misinformation on there. So many…

24 Sep 2019

Well, there’s nothing quite like #election #promises to get me back in the spirit of writing my blog. After taking an extended absence (sorry!), and trying out new avenues for publishing content, it seems that the blog is where my heart is (and I should have never left, frankly). It appears the gloves are completely…

31 Dec 2018

Wow. It’s almost over. 2018 started off with quite the annoyance. The stress-test. Ugh, I hated that name and I will always hate it. I also hate what they did because it doesn’t make (some) sense. Overall the objective of this Government was to create a false sense of security that the housing market can become affordable. They also…

07 Nov 2018

You may or may not have noticed what’s going on but there’s a war on debt that’s slowly taking shape through subtle and behind-the-scenes policy changes by risk departments, and it’s headed straight for the average everyday mortgage borrower. Currently, the average debt size on HELOCs (Home Equity Lines of Credit) is $65,000 – across…

15 Oct 2018

One of my favorite daily emails is from The Hustle, and it’s exactly what it sounds like – an email championing hard work, innovation and creativity to get ahead in the world.  This weekend, The Hustle decided to break down the most lucrative side-hustles (although in America, but we can extract the numbers for Canada)…

01 Oct 2018

If you asked me the last week of September, I would’ve told you that the chances that Canada would be part of a new NAFTA were 50/50. Fast forward a few days later and it looks like our team did a good job of holding their ground, and, we do have a deal now!  Why…

10 Sep 2018

This week alone I have seen first-hand the pitfalls of shopping for a mortgage and going for a “no-frills” option. What does that even mean? Simple. When you get a no-frills mortgage, you’re getting just that: a mortgage with a slightly lower rate, but, less flexibility. And, go figure, this isn’t just an option available…