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Why You Should Find Mortgage Before You Find a Home

Experienced mortgage brokers, financial advisors and even real estate agents will often recommend that their clients find a mortgage, before they start looking for a property to buy, and when you think about it, it makes perfect sense. After all, without the financial security of a mortgage, there’s a strong possibility that you won’t be getting a home at all.

22 Feb 2022

Does It Pay to ‘Shop Around’ When Buying a Home?

With the ease at which people can view and purchase properties online nowadays, there really is no excuse for not shopping around when property hunting. After all, buying a home is a significant investment and settling for the first place you like the look of, could mean that you miss out on a better property, in a better area and at a better price. That said, there can be no substitute for viewing a property in person, no matter how many you look at virtually.

16 Feb 2022

How Will Owning a Second Home in Canada Affect Your Finances?

When it comes to mortgages, buying your first home differs greatly to buying a second, vacation home, with lenders viewing your application entirely differently. If you’ve been the type of homeowner who has always repaid their mortgage, making timely payments and consistently, then you should encounter a smoother experience when it comes to buying another home.

18 Jan 2022

How To Avoid A High Risk Mortgage

High risk mortgages are generally offered to individuals with bad credit, and the easiest way to avoid only being able to qualify for such a mortgage, is to improve the factors that make you a risky borrower. That said, credit scores cannot be altered much overnight, and even if they could, another event such as defaulting on another loan, could you find you catapulted right back into high-risk territory.

11 Jan 2022