Blogs

May 31, 2021

Mortgage Basics you should know but maybe afraid to ask.

The first time I took a mortgage, I really felt out of my element. I wasn’t even sure what questions I should be asking. I realized in my 5 years a lot of things can change, you may want to buy a bigger home, relocate to a different city, change neighborhoods, your dream home may come on the market.

Apr 29, 2021

What You Need To Know About A Reverse Mortgage?

A Reverse mortgage loan is designed to allow senior homeowners (55+) to borrow up to 55% of the value of their home., thereby allowing you to convert your home equity into money available to you. This can be done as either a one-time lump sum payment, or you can choose to receive monthly payments.

While a conventional mortgage provides you funds...

Apr 06, 2021

Cottage Life

Can we afford to buy a cottage, or can we afford not to?

Relaxing by the water and escaping from the daily grind may seem impossible or just a pipe dream, but if you call me, we can assess if you are in the position to fulfill your dream of owning a cottage. ...

Mar 03, 2021

Spring Is In the Air

Spring is in the Air! Ok, ok, that may be wishful thinking on my part, but we are closer to the end of winter than the beginning.

With spring around the corner, you want to ensure you have your preapproval in place to go in with a strong offer. ...

Feb 04, 2021

Home Maintenance

There are a couple of rules of thumb that can help guide you when budgeting for unexpected home repairs. According to the one percent rule, you should set aside at least one percent of your home's value every year for home maintenance.

Jan 19, 2021

Save your money!

I thought I would start the New Year off with some tips on how to save money. Who doesn't love to save money! Try a Spending Detox for Seven Days with me! I received great feedback from my clients that are excited to join me on this challenge. I started this challenge on January 18, 2021. I posted tips on the ...

Oct 01, 2020

Closing Cost – What Should I Expect!

You should always budget 1.5% of the purchase price of your home.

Which may include but not limited to:

Land Transfer Tax for Province of Ontario

Real Estate Lawyer Fees, plus lawyer's disbursements

GST/HST (if applicable)

Registration of Mortgage ...

Sep 01, 2020

I've Sold My Home And Purchased A New One, Can I Just Move My Current Mortgage Over To The New Home

Before you sell your home, you will have to decide what to do with your current mortgage. There are possible options: porting your mortgage or breaking your mortgage. You need to understand what each of these options entails so you can better decide which is best for you. However, not all options are available to all home buyers. Which options are available to you will depend on a variety of factors. I am happy to discuss...

Aug 06, 2020

I Don't Have A Down Payment But I Want To Buy A House

This is a great question, that I get asked a lot. I was in the same situation; I wanted to purchase my first home and didn’t know how it was going to be possible to come up with a down payment. I can assist you in putting a plan in place for you to get you on track.

Jul 23, 2020

5 Key Factors in Understanding Your Credit Score

The Key Factors in Understanding your credit score:

• Payment History (35%)

• How much is owed (30%)

• Length of Credit History (15%)

• New Credit Applications (10%)

• Types of Credit Used (10%) ...