The Blog

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 …

Hi there, There are times in our lives when the unexpected happens and we find it difficult to cope financially. It could be a job loss, an unexpected illness, the death of a loved one or separation and divorce. There may be enough money to get by for a few months, but soon families may find themselves overwhelmed as the …

Hi there, Here’s a typical scenario: You and your spouse are applying for a mortgage loan. You’ve had credit for years with three or four credit cards, a car loan and a line of credit. You always pay the minimum obligation, and always on time. Your spouse, on the other hand, doesn’t use much credit, perhaps has only two or …

This will be more of an opinion piece on the Real Estate Market in Kelowna and surrounding area along with where current mortgage rules are at. To start, I am currently looking for another home to buy and have been for quite a while. Looking for so long and obviously being in the industry, this year is the first time …

There are some substantial changes arriving on January 1, 2018 that will make it more difficult for anyone looking to purchase or refinance their property with 20% or more down payment or equity. FICOM is implementing a rule change that make it so when anyone in Canada looking for financing at 20% and above equity would need to qualify under …

I am going to go over different credit scores and what they mean and what type of banks or programs they would fit. Credit is more important now than ever before as Equifax and Transunion changed how they calculate your credit score last year with very good credit getting even higher and not so great going lower in most cases. …