Mortgage Blog

Home Buying Preparedness

Home Buying Preparedness

December 6, 2022 | Posted by: Brie Robertson

Understand your closing costs and ongoing expenses   According to a TD Canada Trust First-Time Home Buyers Report, one of the biggest lessons learned by 60 per cent of new home buyers was that ...

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Manage your credit score…it’s your passport to financial opportunities

Manage your credit score…it’s your passport to financial opportunities

November 7, 2022 | Posted by: Brie Robertson

So maybe you let a few bills slide when things were tight. Or maybe you haven’t seen a zero balance on your credit card in longer than you can remember. Then there was that temporary line of cre ...

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Important credit score tips

Important credit score tips

November 3, 2022 | Posted by: Brie Robertson

There’s a virtual credit file with your name on it! When it comes time to take out a mortgage, that file gets opened and the result is a credit score that will help determine whether and how muc ...

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Fixed or Variable-Rate Mortgage?

Fixed or Variable-Rate Mortgage?

October 14, 2022 | Posted by: Brie Robertson

If you are rate shopping, you’ll notice that the lowest available rate will be for a variable mortgage, which is why we're often asked “what does variable mean and how is it different from ...

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How to Deal With Mortgage Payment Difficulties

How to Deal With Mortgage Payment Difficulties

October 14, 2022 | Posted by: Brie Robertson

Sometimes unforeseen financial circumstances can impact your ability to make your regular mortgage payments. Or perhaps your debt demons have been caused by taking on too much other high-interest de ...

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Strategies to Dig Yourself Out of the Debt Hole

Strategies to Dig Yourself Out of the Debt Hole

October 13, 2022 | Posted by: Brie Robertson

Debt. It's something almost everyone will have at some point in their life. But what happens when your debt begins to get the better of you? What options are available? Some simple strategies can he ...

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Debt consolidation can offer big relief

Debt consolidation can offer big relief

July 19, 2022 | Posted by: Brie Robertson

If your debt is piling up – credit cards, store cards, car and loan payments– then the interest that you’re paying could be standing in the way of your financial security. If interes ...

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After the rate hike…what’s next?

After the rate hike…what’s next?

July 18, 2022 | Posted by: Brie Robertson

On July 12th, for the first time in seven years, the Bank of Canada increased the overnight rate by .25%, withdrawing some of the stimulus that was needed after the oil price collapse and 2008 financi ...

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Spring cleaning your debt could save you thousands!

Spring cleaning your debt could save you thousands!

April 21, 2022 | Posted by: Brie Robertson

Wouldn’t spring cleaning be so much more gratifying if – somewhere under dusty barbecue parts and outgrown hockey skates – you found an envelope with, say, $5,000 in cash? Wouldn&rsq ...

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 “Conditional on financing”: the most important part of your offer

“Conditional on financing”: the most important part of your offer

March 23, 2022 | Posted by: Brie Robertson

When you find the condo or house of your dreams and want to make an offer, do you need a financing condition? Unless you can pay cash for the home, then yes you do. That little phrase – “c ...

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