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Movember – The perfect guy-charity

Movember – The perfect guy-charity

“It’s best to start the discipline of generosity when the amounts are small. It’s easy to give ten cents out of a dollar; it’s a little harder to give a hundred thousand out of a million.” Jim Rohn This is one of the two times per year I...
Good News Post – Bank of Canada

Good News Post – Bank of Canada

I suggested there would soon be a good news post – this week the Bank of Canada gave me some great material beyond leaving Prime alone to work with. “I don’t blame or complain about things like the economy, the government, taxes, employees, gas...
To Lock in, or not to Lock in.  That is the Question.

To Lock in, or not to Lock in. That is the Question.

With all that has happened on the fixed rate side of the market since June it is understandable that one currently in a variable rate mortgage may be concerned about whether the prolonged stability on the variable side might come to an end anytime soon. Short Version...
Business Owners under further pressure at Scotiabank

Business Owners under further pressure at Scotiabank

Scotiabank recently announced further restrictions around lending for ‘Self Employed’ applicants.  If you are running your own business the uphill struggle to qualify for mortgage financing is not new. Short Version If you are self employed you may want...
A Story of Stability; The boring CDN housing market.

A Story of Stability; The boring CDN housing market.

Short Version; The boring CDN housing market, by the numbers it is clearly stable being primarily composed of borrowers with excellent credit, solid incomes, and reasonable down payments who met stringent qualifying standards in order to enter the market. Long...
‘Scotiabank Cashstop’ for individual investors.

‘Scotiabank Cashstop’ for individual investors.

‘Scotiabank Cashstop’ for individual investors.  Not the meaning we like to see associated with ‘cash-stop’. There was a time when Scotiabank was the primary go-to lender for the Real Estate Investors Broker, through a series of changes over...
The market we can all predict.

The market we can all predict.

The market we can all predict. 9.9 days out of 10; I believe that world conditions trend in a positive direction.  We live in a better world today than we did yesterday.  I am a somewhat Rational Optimist. As such this recent headline seems to me a bit odd;...
Interest rate activity, a deeper look.

Interest rate activity, a deeper look.

Fixed interest rates are on the move, no doubt about it. There are many predictions about whether or not this is a small fluctuation in the market, or the beginning of a long term trend. Personally I always liked the phrase ‘Follow the evidence’.  Mind you...
Subject to Financing

Subject to Financing

Logic has left the building. Short Version; Stellar credit, tremendous equity, and strong liquid assets fail to get one across the financing finish line, the focus on documented income is stronger with each passing month.  To the point of being unreasonable in many...