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Refinance

  • 9 Ways To Simplify Your Finances Now

    Barrie Mortgage MoneyStudies show that folks with complex finances also have the least healthy finances. Here's how to lead a simple money life.

    If managing personal financial affairs were easy, we probably wouldn’t graduate in excess of 15,000 accountants each year. Budgets, credit cards, insurance, retirement savings and more—it’s a lot to track, and things are getting more complex all the time. 

  • Annual Financial Reviews

    mbm calculator sThe holiday season is once again upon us. With decorations filling our homes and our thoughts turning to friends and loved ones, your finances might be the furthest thing from your mind.

  • How The Self-Employed Can Get Organized

    checkmarkRegardless of what sort of business you run, paperwork, receipts and tax records are bound to pile up. Combining these with your own personal financial paperwork can be an administrative nightmare if it gets out of control. Then, when tax time rolls around or you're looking to apply for a mortgage, finding the right paperwork can be overwhelming. In this article from Moneysense, Gail Vaz-Oxlade shares some helpful hints for self-employed individuals.

  • Is There More To Your Mortgage Penalty.??

    money-down-the-drain1Don't get caught flushing your money down the drain.

    Many people think that the differences in how lenders calculate fixed-rate mortgage penalties are a non-issue now that rates have fallen to ultra-low levels. Nothing could be further from the truth if your mortgage is with a bank at a discounted rate.

  • January Financial Blues

     

    financial freedom my better mortgage

    It's around this time of year where the frantic calls start rolling in - and it continues on until about March. They are from consumers who have been avoiding their credit card statements or logging onto their bank accounts, as the January financial blues set in after weeks of gleeful holiday spending. The experts have a name for it - the "holiday debt hangover."

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  • Make Your Home Energy Efficient & Put Money In Your Pocket

    energy efficient mbm

    Energy-efficient homes can increase comfort and promote healthier living, while reducing greenhouse gas emissions and lowering home expenses. Canada Mortgage and Housing Corporation (CMHC) is upgrading its Green Home Program.  

  • Mortgage Advice For Couples Planning Separation Or Divorce

    divorce barrie separation

    Going thru a separation or divorce can be one of the most difficult periods in anyone’s life...

    In addition to the heartbreaking end of a marriage, there are often difficult decisions that need to be made… Where do the kids live.? How do you divide up the assets.?...

  • Mortgage Basics

     abcWhat is a mortgage, and who owns my home if I have secured financing to purchase it?

    Whether you’re new to the home buying process, or a seasoned investor, I bet you didn’t realize that there are at least 20 top mortgage related terms that you may want to understand prior to speaking with a real estate agent or loan officer.

  • Retirement Planning

    retirement-barrie

    Are you investing enough, soon enough? Most Canadians don't have the ability to sock away 10% of their income. By the time the bills are paid and the children are fed most Canadian's don't have the ability to max out their RRSPs. Compound interest which is essential to our long-term financial well-being remains elusive.

  • Staying On Budget After Refinancing

    budgeting tips

     

    Life is full of expenses: new car, mortgage, and schooling. And how do you afford this? Borrow, borrow, borrow – right? Well, maybe not always. If you have created a budget you know exactly what you have coming in and going out each month. You’ve set aside a little extra for those unplanned expenses and retirement. If you haven’t created a budget you likely don’t have a very good understanding of your finances… this is the behaviour that leads to overextending and consumer debt.

  • The Truth About Your Credit Score

    credit cardsYou might be surprised what your credit score is being used for these days...

    Lenders are placing more and more significance on borrowers' credit when it comes to applying for a mortgage, line of credit or a credit card. What many Canadians don't know, however, is what affects their score and under what circumstances it will be accessed.

  • Why Working With A Mortgage Broker Is Your Best Option

     imagesCA4U3MDZWhether it’s your first time or your fifth time, shopping for a mortgage can often be confusing and even frustrating. Besides, who really has the time to research and compare mortgage lenders to ensure the best deal? Then there are all those crazy terms and acronyms — beacon scores, LTVs, IRDs and porting – it can make your head spin! Isn’t there an easier way?

  • Will Your Renovation Pay Off

    home improvements barrie

    Ahh, the sweet sounds of summer are back: nail guns, power saws, digging and demolishing. Ok, they’re not exactly sweet sounds, but they are certainly familiar to anyone who lives in Canadian suburbia.  With reports of real estate prices being instable and fluctuating, it seems that everyone is running to the hardware stores to spruce up their homes in hopes to increase their property values.

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