Steps to Rebuild Your Credit Rebuilding your credit requires time, effort, and consistent financial habits. Follow these steps to get back on track: Check Your Credit Report Obtain your report from agencies like Equifax or TransUnion. Review it for errors or inaccuracies and dispute them promptly. Pay Bills on Time Payment history is the most […]

Now that we have talked credit, it is time to consider budget! We know, we know… but we promise, you’re almost there! When talking budget, it is important to consider the purchase price budget, as well as your cash flow budget. Being house rich and cash poor makes for a no-fun home! The home price […]

Today the Canadian Real Estate Association (CREA) released statistics showing national existing home sales fell a slight 0.5% nationally from July to August 2021–the fifth consecutive monthly decline. Over the same period, the number of newly listed properties edged up 0.8%, and the MLS Home Price Index rose 0.9% m/m bringing the year-over-year (y/y) rise to 21.3%. Transactions […]

One of the important factors in home ownership is understanding things like your credit score.  Some people don’t pay much attention to this metric until they begin the mortgage discussion! However, you will find that your credit score is one of the most important factors when it comes to qualifying for a mortgage at the […]

Refinancing your mortgage refers to the process of renegotiating your current mortgage agreement for a variety of reasons. Essentially, refinancing allows you to pay off your existing mortgage and replace it with a new one. There are a variety of reasons to consider mortgage refinancing, including but not limited to: You want to leverage large […]

Life happens. Whether you are facing financial emergency, wanting to improve your financial situation, put more into your investment portfolio or simply wanting to spoil yourself with a long overdue trip, mortgage refinancing can be the answer – when done properly!