Mortgage Blog

Category: Mortgage Tips & Advice (28 posts)

Purchasing a Home in a High Interest Rate Environment

Purchasing a Home in a High Interest Rate Environment

January 31, 2024 | Posted by: Sharon Patton

We often associate optimal home buying conditions with low-interest rate environments. There are notable advantages to consider when contemplating a home purchase in a high-interest rate market ...

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How to Make Your Holiday Bills Disappear

How to Make Your Holiday Bills Disappear

January 18, 2024 | Posted by: Sharon Patton

Many Canadians have their highest debt load in January.You could save thousands of dollars in interest by creating a plan to pay down your debt! Consolidate and restructure your debt into your mo ...

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Refinancing in a High Interest Rate Environment

Refinancing in a High Interest Rate Environment

November 28, 2023 | Posted by: Sharon Patton

Are you looking for ways to reduce your monthly mortgage payments? Are you worried about high interest rates?  Are you looking for a way to increase your cash flow?  Are you looking ...

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Multi-Generational Homes

Multi-Generational Homes

September 6, 2023 | Posted by: Sharon Patton

What is a multi-generational home?  It is a living arrangement where multiple generations of a family, such as grandparents, parents, and children, live together in the same household. ...

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Sharpen Your Pencils - Back to School For Your Finances

Sharpen Your Pencils - Back to School For Your Finances

September 1, 2023 | Posted by: Sharon Patton

It’s September and as green turns to gold, we return refreshed to the rhythm of our daily routines. Autumn is the perfect time to “get back to business” with a fresh look at your fin ...

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Purchasing A Home with an Income Suite

Purchasing A Home with an Income Suite

August 4, 2023 | Posted by: Sharon Patton

In this high-rate environment it may seem like your dreams of homeownership are just that a dream.  What if we told you that there could be a solution for you to consider? You may want to c ...

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More Than Just A Rate

More Than Just A Rate

July 20, 2023 | Posted by: Sharon Patton

With interest rates rising over the last year, it is easy to be 'rate' focused when it comes to your mortgage. There are so many other factors to consider when it comes to the biggest financial invest ...

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Bucket List - Getting Your Financial House in Order

Bucket List - Getting Your Financial House in Order

May 25, 2023 | Posted by: Sharon Patton

Bucket List – Getting Your Financial House in Order  What's on your bucket list?  Your bucket list includes all the goals you may want to achieve and the life experiences and dreams ...

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Why You Should Work With Us For Your Financing Needs

Why You Should Work With Us For Your Financing Needs

May 25, 2023 | Posted by: Sharon Patton

For many Canadians, mortgage payments are their single biggest expense. Yet most don't regularly re-evaluate their financial goals to ensure that the mortgage options align with them.  The ...

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Vacation Property

Vacation Property

May 25, 2023 | Posted by: Sharon Patton

Are You Thinking About Buying a Vacation Property?  Choosing to own a vacation property or second property can offer you many exceptional advantages, but are you ready for the commitment?  ...

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Wondering How to Pay For Home Renovations?

Wondering How to Pay For Home Renovations?

April 23, 2023 | Posted by: Sharon Patton

Wondering How to Pay for Your Home Renovation? Are you contemplating hardwood floors, a new kitchen, or energy-efficient solutions for your existing or new home? Are you wondering how to pay for this ...

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Increased Expenses and Decreasing Cashflow - We Have Solutions

Increased Expenses and Decreasing Cashflow - We Have Solutions

March 31, 2023 | Posted by: Sharon Patton

Have you noticed with inflation that your monthly expenses have increased and your cashflow has decreased? We have solutions. Let's explore these below.  Mortgage Renewal  Is you ...

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Refinancing - Let's Look at Your Options

Refinancing - Let's Look at Your Options

January 9, 2023 | Posted by: Sharon Patton

Refinancing – Let’s Look at your Options  For many Canadians, their home is their biggest investment.  Home equity can build nicely by principal reduction through pa ...

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Giving the Gift of Peace of Mind

Giving the Gift of Peace of Mind

December 1, 2022 | Posted by: Sharon Patton

Giving the gift of Peace of Mind  In these uncertain financial times, we would like to give you the gift of peace of mind. Let's unwrap come solutions below that make work for you! Reverse ...

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Second Mortgages

Second Mortgages

November 28, 2022 | Posted by: Sharon Patton

Second Mortgages  One of the biggest benefits to purchasing your own home is the ability to build equity in your property. This equity can come in handy down the line for refinancing, renovati ...

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Debt - The Good, The Bad, and The Reality.

Debt - The Good, The Bad, and The Reality.

October 24, 2022 | Posted by: Sharon Patton

Debt - The Good, the Bad and The Reality.  By knowing the difference between good and bad debt, you can better manage, and reduce, your debt. When struggling to repay debts - credit card bills ...

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10 Ways to Plug Money Leaks

10 Ways to Plug Money Leaks

October 21, 2022 | Posted by: Sharon Patton

10 Ways to Plug Money Leaks It can sometimes be hard to keep track of your finances. Now more than ever we need to be on top of where our money is going. To avoid having no money left at ...

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Getting Your Home in 5 Easy Steps

Getting Your Home in 5 Easy Steps

October 4, 2022 | Posted by: Sharon Patton

Getting Your Home in 5 Easy Steps  Whether you’re a first-time home buyer, looking to move into a bigger home or downsize, or even considering a rental or vacation property, the home-buyin ...

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Let's Build a Strategy - Inflation, Rates, and the Housing Market

Let's Build a Strategy - Inflation, Rates, and the Housing Market

September 27, 2022 | Posted by: Sharon Patton

Let’s Build a Strategy – Inflation, Rates, and the Housing Market   Inflation is still high, we have seen another rate increase and the housing market is changing. All of this ...

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Planning for the Unexpected

Planning for the Unexpected

September 8, 2022 | Posted by: Sharon Patton

Planning For the Unexpected  Did you know that the cost to raise a child in Canada from birth to 18 years old is about $270,000? This works out to roughly $10,000 - $15,000 per year.  ...

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Why Should I Get Pre-approved?

Why Should I Get Pre-approved?

August 22, 2022 | Posted by: Sharon Patton

Why Should I Get Pre-Approved?  Before you fall in love with a property make sure it's within your financial reach. Getting pre-approved gives you a clear picture of your buying power.  Le ...

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The Importance of a Budget

The Importance of a Budget

August 8, 2022 | Posted by: Sharon Patton

The Importance of a Budget  According to a survey by Manulife Bank, 47% of Canadians don't have a budget. It is more important now than ever to have a household budget. With gas and fuel costs r ...

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We Offer Solutions!!

We Offer Solutions!!

July 19, 2022 | Posted by: Sharon Patton

We Offer Solutions  With inflation at a 40-year high, interest rates increasing, rising fuel costs, and talks of a recession coming, it is easy to feel overwhelmed and worried about your finan ...

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After The Rate Hike.....What's Next???

After The Rate Hike.....What's Next???

June 5, 2022 | Posted by: Sharon Patton

After the Rate Hike…….What’s Next?  Variable-rate mortgages and lines of credit will see higher rates and modest payment increases. Fixed-rate mortgages - which are based o ...

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Thinking Investment Property - It's a Great Idea!

Thinking Investment Property - It's a Great Idea!

May 24, 2022 | Posted by: Sharon Patton

Investment Property – It’s a Great Idea!!! Have you been thinking of purchasing an investment property? In our current economic environment, we have seen a rise in the market values ...

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Shopping For a Greener Home

Shopping For a Greener Home

April 17, 2022 | Posted by: Sharon Patton

Shopping for a Greener Home  It is undeniable that today’s home buyers want greener homes. Here are 10 features to consider when you are looking for your greener home option.  Lo ...

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4 Strategies That Can Help You Get PreApproved

4 Strategies That Can Help You Get PreApproved

April 8, 2015 | Posted by: Sharon Patton

So, you've decided to take the big step and look into getting what will likely be the biggest loan of your entire life: a mortgage. Applying for a mortgage can be a bit of a nerve-wracking process, es ...

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5 easy ways to be mortgage free sooner!

5 easy ways to be mortgage free sooner!

February 23, 2015 | Posted by: Sharon Patton

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 for RRSPs and other investments, and changing l ...

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