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The Most Important Question This Spring

The Most Important Question This Spring

Short Version:   The most important question a home-seller must ask their Broker or their banker this spring: ‘Do I QUALIFY to port my mortgage?’   You must re-qualify to port your mortgage to a new property, and you must re-qualify under stringent new...
Happy New Year!

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...
Life Is Variable, Perhaps Your Mortgage Should Be As Well

Life Is Variable, Perhaps Your Mortgage Should Be As Well

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 last time the media reported consistent...
Foreign Buyer Tax Impact, Or Lack Thereof

Foreign Buyer Tax Impact, Or Lack Thereof

The chart from a recent CMHC presentation says it all.   ***Note*** The percentage numbers on the right of the image are the total number (quantity) of sales – NOT the sales price.   Prices have not declined notably other than in the 4M$ plus bracket....
Mortgage-Geek History

Mortgage-Geek History

The average person if stopped on the street and asked; Are today’s low interest rates driving up house prices? Would likely say ‘yes’. They would be wrong. And we can let their lack of understanding pass, after all we can agree that math mostly...