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2019 Federal Budget – Gift wrapped… gift wrapping

2019 Federal Budget – Gift wrapped… gift wrapping

The Missing Link?    The missing link between home ownership and perpetual renting remains supply. Either supply of homes to purchase, or supply of money with which to purchase.   The 2019 Budget addresses neither of these supply issues. Instead we are given something...
Why So Many Documents?

Why So Many Documents?

Why does the Mortgage Broker want so many docs? – we actually don’t.   Why does the Mortgage Lender want so many docs? – they actually don’t.   Who wants all these docs? Who is it that does not trust what you are saying? That would be...
Fixed Vs. Variable – Two Bets, One Choice

Fixed Vs. Variable – Two Bets, One Choice

An age old debate, but why? Click Here for the Video Explaination   If you are still wondering about fixed vs. variable – it’s pretty firmly all about the variable, even with the July 11, 2018 Bank of Canada 0.25% rate increase factored in. Click...
Fake-ish News

Fake-ish News

Fake(ish) News: ‘Mortgage Rates Went Up Last Week   Real News: On April 27th TD increased their ‘posted rate’. What’s a posted rate? It’s the list price, the MSRP — you know that price that nobody actually pays…’rack...
Vancouver Real Estate; Candy For The Kids

Vancouver Real Estate; Candy For The Kids

Housing & Smarties   All levels of government are trying to control a situation akin to that of 22 kids that want a Smartie, and there are only six-and-a-half Smarties to be had.   As authority figures tend to, they are creating all kinds of rules about...