The Blog

Traditionally, when you’re self-employed and applying for a mortgage, you’ll likely face more obstacles than someone who earns a regular salary through an employer. If you can prove your income, show you’re up-to-date on your taxes and you have solid credit, however, your chances of being approved for a mortgage are greatly improved. Self-employment numbers continue to grow steadily. Statistics …

While there seems to be a virtually endless supply of real estate listings available when you’re searching for your perfect place to call home, finding the right property that meets both your functional needs and your budget is not always an easy task. You may find a house with the perfect layout in your ideal neighborhood, but the interior needs …

Buying a home is likely the largest financial purchase you’ll make in your lifetime. The second? More than likely, it’s your vehicle. And, did you know that your car loan can negatively impact your mortgage qualification when purchasing a home? When you apply for a mortgage, there’s a wide variety of information that you’re required to provide in order to …

The onset of warmer spring temperatures brings with it the chance for a fresh start. For many homeowners, this means a thorough spring cleaning of the house and yard to get ready for patio season and entertaining. But, it’s equally important to conduct a spring checkup on your mortgage as well. So often, homeowners lock into a mortgage term and …

Now that spring’s in the air, many homeowners are thinking about tackling home improvements or full-on renovations from their to-do lists. If you’re planning some renovations this year and you’re looking to free up funds to support your projects, I may have a solution for you. But, first, it’s important to plan ahead. Setting a budget before deciding how you’re …

The homebuying and mortgage processes can be cumbersome and stressful when navigating them alone. That’s why using a mortgage broker makes sense, regardless of whether you’re planning to buy your very first home or your fifth. I’ll get the lenders competing for your mortgage business when you’re purchasing property – as well as again at renewal or any time you …

As a first or even a second time home buyer the process can be daunting. The government and industry regulators have not made it any easier over the last couple of years, which is where the mortgage broker community comes in to help! Here is a guide to help you along the way in the home buying process. Step 1: …

Mortgage rules have changed a lot over the past couple of years. As a result, fewer people are qualifying for mortgages offered through more traditional lenders such as banks. Thankfully, there are lots of alternative options available when you’re working with your trusted mortgage broker. I have access to a broad range of mortgage choices to fit your unique needs …

Hi there, Separation and divorce can impact a family on many levels including financially. It’s a stressful process for all concerned. In addition, there may be the messy business of splitting the assets, including the family home and the mortgage. Many couples end up selling the house to pull out their equity, which may cause additional stress. However, there are …

Hi there, As we wind down 2018, we can look back at the housing market and see that affordability was the big topic across Canada. We have weathered many challenges in the housing market, from gloomy predictions of housing bubbles and increasing debt loads, to eroding affordability due to continued government rule changes. We will, no doubt, weather these latest …