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Category: Tips and Tricks (19 posts)

  • June 19, 2015 @ 4:29 PM
  • Posted by Monica Peckford

Ten Easy Ways to Stay on Budget this Summer

The lazy days of summer are here and with them come plenty of ways to spend. Here’s some easy tips to keep your budget on track through the sunny season! Keep it on tap. Fill your own reusa

  • April 16, 2015 @ 4:11 PM
  • Posted by Monica Peckford

Three reasons buying a home is possible…with bad credit

  Let’s begin by saying that neither you nor a lender want to get you into a home you can’t afford. That’s not a future you want. But sometimes, a difficult past is standing in

  • April 16, 2015 @ 3:59 PM
  • Posted by Monica Peckford

Five easy ways to be Mortgage Free sooner!

5 EASY WAYS TO BE MORTGAGE FREE SOONER!  We all know that paying off a mortgage as early as possible makes good financial sense. You’ll save significant interest costs and free up money

  • January 9, 2015 @ 2:14 PM
  • Posted by Monica Peckford

Get the best mortgage rate: Five Tips to “financial fitness”

When the time is right for you to buy a home, make sure you are financially fit and eligible for the best possible mortgage rates. Here are our top five tips to boost your “financial fitness&r

  • January 9, 2015 @ 2:01 PM
  • Posted by Monica Peckford

First-time homebuyer? A key tax credit is still available!

First-time homebuyer? A key tax credit is still available! If you’re buying your first home, take advantage of the Home Buyers Tax Credit (HBTC). The credit is designed to assist first-time hom

  • October 3, 2014 @ 5:33 PM
  • Posted by Monica Peckford

The cost to break your mortgage!

The cost to break your mortgage Most homeowners should expect to pay a penalty if they want to break their mortgage to get a better rate or for a complete refinance.  Homeowners in 5 year fixed

  • July 25, 2014 @ 2:50 PM
  • Posted by Monica Peckford

Switching mortgage lenders for a lower rate

Switching mortgage lenders for a lower rate With today’s historically low rates, many Canadian homeowners are looking for advice as to whether they should move their mortgage for a better rate.

  • June 19, 2014 @ 5:21 PM
  • Posted by Monica Peckford

The 5 Worst Things You Can Do Before Buying a Home

  Cynics may scoff, but getting under contract on the right home can turn even the most stoic shopper into a bit of a dreamer. From paint colours to planting a garden, picturing yourself in th

  • June 9, 2014 @ 2:14 PM
  • Posted by Monica Peckford

Going through a separation or divorce?

Going through a separation or divorce? Your home can be the asset that gives both partners a fresh start. If you have a final separation agreement, then talk to your mortgage broker about how the va

  • May 28, 2014 @ 2:46 PM
  • Posted by Monica Peckford

The Five "C"s of Credit

Going to a lender to ask for a mortgage can be a nerve-wracking experience when you’re not sure what to expect. Before you go looking for credit, take a few minutes to understand what lenders ar

  • May 9, 2014 @ 6:30 PM
  • Posted by Monica Peckford

10 Reasons to use a Mortgage Broker

MORE MORTGAGE CHOICE: A mortgage broker is able to access a wide range of products from a variety of sources (credit unions, trust companies, commercial banks, and private lenders). This allows a mort

  • April 25, 2014 @ 5:15 PM
  • Posted by Monica Peckford

Fixed or Variable-Rate Mortgage?

Fixed or Variable-Rate Mortgage? “Wow!” look at the mortgage rate those guys are advertising!  Your worries are over, you’re thinking. Just lock in a rate like that for the nex

  • April 3, 2014 @ 6:03 PM
  • Posted by Monica Peckford

That low-rate mortgage could actually cost you more.

That low-rate mortgage could actually cost you more. Cheapest is not always best. We know that’s true when we’re shopping for anything else. But we still tend to believe that lowest rate

  • March 26, 2014 @ 4:31 PM
  • Posted by Monica Peckford

Manage your credit score...it's your passport to financial opportunities

Manage your credit score…it’s your passport to financial opportunities So maybe you let a few bills slide when things were tight. Or maybe you haven’t seen a zero balance on your c

  • March 20, 2014 @ 2:31 PM
  • Posted by Monica Peckford

What is your credit score?

What is your credit score? Credit scores can range from 300 to 900 and are used by lenders to determine what kind of a risk you are likely to be as a borrower. Your score is based on several attribut

  • March 18, 2014 @ 4:48 PM
  • Posted by Monica Peckford

Five Tips for First-time Homebuyers

Five Tips for First-time Homebuyers  Although mortgage debt is ‘smart' debt, buying your first home is a huge financial decision and there is a lot to think about. It's one of the most imp

  • February 20, 2014 @ 1:22 PM
  • Posted by Monica Peckford

Getting that Down Payment: It might be easier than you think!!

GETTING THAT DOWNPAYMENT: It might be easier than you think! For many first-time homebuyers, saving the 5 per cent downpayment is one of the big obstacles to home ownership, especially if you're payi

  • February 20, 2014 @ 1:19 PM
  • Posted by Monica Peckford

Should you give your child a boost to home ownership?

Should you give your child a boost to home ownership? Many young people struggle to purchase their first home and often parents and grandparents are very sympathetic. They’ve enjoyed the financ

  • February 20, 2014 @ 1:01 PM
  • Posted by Monica Peckford

Top 10 Mortgage Tips for 2014

Our Top 10 Mortgage Tips for 2014 Your home may be the biggest investment you’ll ever make. That means you want to be smart with your mortgage. Although we can’t say for sure what mortgag