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Posted by: Jenni MacDonald
When it comes to mortgages, one of the most misunderstood aspects, especially among homeowners who haven’t worked with a mortgage broker, is the mortgage penalty. And we get it—financing a home can be overwhelming. But if you’re thinking about refinancing, selling, making a lump sum payment, or breaking your mortgage early, it’s crucial to understand […]
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Shakespeare might have pondered, “To be or not to be,” but in 2025, the question on many homeowners’ minds is far more practical: “Should I choose a variable or fixed rate for my mortgage?” With rising grocery bills, fluctuating markets, and interest rates shifting like spring weather, making the right mortgage decision matters more than […]
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Spring is one of the busiest seasons in the real estate market, with eager buyers looking to find their dream home before summer. If you’re planning to purchase a home in Spring 2025, now is the time to get your finances in order so you’re in the best position to secure a mortgage with favourable […]
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One of the biggest advantages of homeownership is the ability to build equity in your property. Over time, this equity can become a powerful financial tool—whether you’re looking to renovate your home, consolidate debt, or access funds for major expenses. One option to tap into your home equity is by taking out a second mortgage. […]
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It’s never a pleasant surprise to see your credit score drop. However, understanding the reasons behind it can empower you to take action and get your score back on track. Whether it’s due to a missed payment, increased credit utilization, or even a mistake on your credit report, there are ways to identify the cause […]
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As the new year approaches, it’s the perfect time to reflect on your personal goals and set meaningful resolutions. This year, why not focus on two key areas that can bring lasting benefits: your home and your finances? With small, intentional changes, you can improve your security, stability, and overall quality of life. Here are […]
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Refinancing your mortgage can be a powerful tool to help you reach your financial goals, whether it’s to save money, reduce debt, or unlock the potential of your home equity. As your trusted mortgage advisor, I’ve seen firsthand how refinancing can create new opportunities for homeowners. Here’s a closer look at why now might be […]
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With the recent decreases in the Bank of Canada’s interest rate throughout the summer and into September, now is a great time to understand how these changes may impact your mortgage. Whether you’re a current homeowner, a first-time buyer, or thinking about refinancing or renewing, lower rates offer plenty of opportunities. Let’s break down what […]
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With housing prices on the rise and mortgage rates taking a dip, homeowners are wondering if it’s the right moment to make a change. Whether you’re looking to access equity or simply secure a lower rate, refinancing, switching, or transferring your mortgage could be a smart financial move. Let’s explore your options and see if […]
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When it comes to homeownership, many of us dream of the day we will be mortgage-free. While most mortgages operate on a 25-year amortization schedule, there are some ways you can pay off your mortgage quicker! Did you know? There are a few ways you can help pay off your mortgage faster. For example – […]
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