An Ineffective BC Budget

[vc_row][vc_column width=”1/1″]Let’s look at the impact, or lack thereof,  of one piece of the newly announced BC budget; The Foreign Buyers Tax.   Short Version   It was implemented poorly last time, and it’s being implemented...

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...

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...

Life Is Variable, Perhaps Your Mortgage Should Be As Well

[vc_row][vc_column width=”1/1″] The case for variable has always been strong, although often a few misconceptions must be addressed to clarify why this is.   Economic good news is what pushes interest rates up, not economic bad news. When’s the...