Happy New Year!

2018 Here We Go! I’ve always believed in ‘The 1% Difference‘. My theory is that whatever the challenge, if approached with 1% more effort than average, it will be met with success. If not immediately, then almost certainly over the longer term (thanks to the magic of...

What’s Changing Jan 1st? Rates or Rules?

[vc_row][vc_column width=”1/1″]Upcoming changes to mortgage lending guidelines, the rules of borrowing, take effect Jan. 1, 2018 and while there’s been a fair bit of press coverage on this, there is also a fair bit of confusion.   What is NOT...

What about this recent Bank of Canada interest rate increase?

[vc_row][vc_column width=”1/1″]What about this recent Bank of Canada interest rate increase?   Short Version   I am not locking in myself I am staying variable For a variety of reasons   Long Version   If your discount from Prime (now...

Impending Doom Averted, This Time

Basic Renewals   Will the impending doom, er… changes, hurt homeowners simply renewing their mortgage with their current lender? No.   If your life is easy, things are easy.   Thus far the government has continued to leave renewals alone. And one can...

Are interest rates taking off without you?

[vc_row][vc_column width=”1/1″] The image is of an actual flight leaving without me July 14, 2017. Despite being given 90min extra due to a delay…I missed it! A first in 25 years of solo travel. I also missed calling this rate hike accurately. It was...