Are you looking for a mortgage as if it were a commodity?
I’ve heard brokers say more than once that mortgages are a commodity, by definition a commodity is a basic good used in commerce that is...
What is an interest rate differential (IRD)? How do you calculate it?
A mortgage in its simplest form is a contract. It has terms, conditions, rights and obligations for you and the lender. When you sign on...
What You Need to Know Before You Borrow Money for Your Small Business Startup
Deciding to borrow money to launch your small business startup is a big decision. It’s the second biggest decision after deciding to...
Lessons from the Ashes
This story appeared in the Fall issue of Our House Magazine. The Fort McMurray fire and subsequent reconstruction demonstrates the...
Knowing When Less Is More
No one wants to be told that they are not allowed to have something. We live in Canada; as Canadians, our focus has always been to strive...
Time to lock in your rate? Make sure you have an exit strategy
Like many of you, I received a call last week, from my mortgage provider, asking whether I wanted to “lock in” a new five-year fixed...
GO GREEN & SAVE!
We all do different things to go green in our day to day life: using reusable shopping bags, biking instead of driving, re-using water...
Canadians tell their stories of how mortgage rules put the dream of home ownership out of reach
This letter will also appear as a full page ad in the Oct. 3 Globe and Mail. Dear Prime Minister Justin Trudeau and Finance Minster Bill...
Don’t assume anything when dealing with mortgage financing
A lot of people get into hot water when they assume that because they’ve qualified for a mortgage in the past, they will qualify for a...
