TIPS AND GUIDES

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How to get a Mortgage as a Realtor

How to get a Mortgage as a Realtor

If you are a realtor and you want to get a mortgage, you may have been told that you either cannot get a mortgage or that you may have to get a mortgage through a B lender or a Private lender. I am here to tell you that you have more options than just a Private or...

Current Interest Rates – As of June 2022

Current Interest Rates – As of June 2022

Current Interest Rates in Canada for Mortgages   Interest Rates as of June 29, 2022 5 Year Fixed Rate Mortgages - insured or insurable are between 4.5%- 5.00% 5 Year Fixed Rate Mortgages -uninsurable are at 5.00% + Variable rate discounts are prime - 1% for...

Should You Go Variable or Fixed Rate Mortgage?

Should You Go Variable or Fixed Rate Mortgage?

Should I lock my variable rate or fixed rate mortgage? The age old question, one that can cause you sleepless nights. Today, I want to take a deep dive and cover a few things to provide better perspective. Understand what few people do... In order to answer this...

Bank of Canada Announcement June 1, 2022

On Wednesday June 1, 2022, The bank of Canada officially announced the increase to the overnight lending rate by 0.5%. This announcement was the world's worst kept secret for the last few weeks as Canada’s banks were anticipating this and will be increasing their...

What Do We Do

We help you get the right mortgage – but that’s not where our job ends. We specialize in portfolio building. We are definitely mortgage brokers, but we usually start with a plan in mind. The way we view it – is it is not just bout the one transaction, it is about...

Should You Pay off Your Mortgage

Should You Pay off Your Mortgage

The next time you are at a cocktail party or family function and someone smugly tells you that they have paid off their mortgage – odds are they know little about personal finance and will likely limit their personal net worth as a result. After all, who really...

Financial Planning 101

Financial Planning 101

When you are young, your planner will suggest a growth portfolio – because you are young, you can take a little bit more risk than most people. When you have kids and you start to approach middle age, your planner is going to suggest you move to a balanced portfolio,...

How Banks Make Lending Decisions

How Banks Make Lending Decisions

The bank will rarely, if ever – give us any money if we tell them we want to invest it into a business or the stock market. There are some exceptions to this, but for the most part it is very difficult, almost impossible – banks simply do not want to because of the...

What Aleem Does When Not Arranging Mortgages

What Aleem Does When Not Arranging Mortgages

When Aleem is not arranging mortgages, you can find him playing or talking about his favourite sports, or at a local restaurant or pub enjoying good food and a beverage, as well as great company and conversation which will very likely include educating people on the...