Before banks or lending institutions can consider loaning money for a property, they need to know the current market value of that property.

The job of an appraiser is to check the general condition of your home and determine a comparable market value based on other homes in your area. This is required for any buy or sell situation.

Not all insurance products are created equal. It is important to understand all the different insurance products to ensure you have proper coverage.

When it comes to saving money, there are a lot of little things you can do that add up to make a big difference!

Here are 10 of my favourite money-saving tips to help get you started today!

What does Dr Sherry Cooper have to say with her monthly economic insight? Here is a sneak peek:

Once again, the Canadian economy is running hotter than expected by the Bank of Canada. The economy continues to exhibit excess demand conditions. In particular, labour markets are very tight, the unemployment rate is near a record low, and wages are rising by more than 5%.

The First Home Savings Account (FHSA) is specifically designed to help first-time homebuyers save for their down payment without having to pay taxes on the interest earned on their savings.

This means that the interest earned on the savings in the account is not taxed, nor are withdrawals from the account.

Being nice to others is an important aspect of building strong relationships and creating a positive environment. Sometimes, small acts of kindness can make a big difference in someone's day.

When it comes to homeownership, many of us dream of the day we will be mortgage-free.

While most mortgages operate on a 25-year amortization schedule, there are some ways you can pay off your mortgage quicker!

If you are looking to have a garden that is the envy of the neighbourhood, May is a great time to get started on your gardening to-do list.

I have put together some helpful tips and ideas for how to get started so your garden shines all summer long!

It has been just over a year since the Bank of Canada started hiking interest rates. While the economy has remained surprisingly resilient, the housing market has weakened sharply.

The Bank has remained on the sidelines for the past two Governing Council announcement dates, and home sales have edged upward in very tight markets.

As the sun starts coming back around, it is a great time to scrub those windows and deep clean your home!

Here are some tips for a successful Spring clean!

There are several reasons why a potential borrower may want to consider using a mortgage broker instead of their bank. Here are a few reasons.

Your payment schedule is the frequency that you make mortgage payments and ranges from monthly to bi-monthly, bi-weekly, accelerated bi-weekly or even weekly payments.

Let’s go over a quick overview of what each of these payment frequencies mean!

There are several reasons why a potential homebuyer in Canada may not qualify for standard lending and instead opt for alternative or private lending. Here are a few reasons!

According to the Canadian Real Estate Association, the Spring market is anticipating a drop in home prices edging down approximately 6% from 2022, putting the average home price at $662,103 in 2023. The downward trend stems from rising interest rates and continued uncertainty in the marketplace.

Did you know? March is fraud awareness month in the mortgage industry, which makes this is a great time to talk about title insurance!

The Bank of Canada was the first major central bank to hit the pause button on rate hikes in late January. Given the slowdown in inflation in the recently released January CPI, The Bank of Canada will refrain from hiking interest rates this month.

For those who celebrate Family Day, we thought we would highlight some ideas for special things you can do with your loved ones, and remind them how much you care!

A second mortgage is a mortgage that is taken out against a property that already has a home loan (mortgage) on it. Generally people take out second mortgages to satisfy short-term cash or liquidity requirements, have an investment opportunity or to pay off higher-interest debts (such as credit cards and student loans) that a second mortgage might offer.

The holidays are a season of giving and often times, households can often find themselves carrying some extra debt as we enter the New Year. If you happen to be someone currently struggling with some post-holiday debt, that’s ok! Rolling them into your mortgage could be the perfect solution, take a read today!

When traditional lenders, such as banks or credit unions, deny mortgage financing, it can easy to feel discouraged. However, it is important to remember that there is always an alternative!