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  • 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.

  • my better mortgage Market UpdateCanadian household debt ascended to another record in the third quarter, underscoring why policy makers are stepping up efforts to limit the risks of a collapse in the nation’s real estate market.

  • decconstructionCanadian Housing Market remains solid as ecomomy continues to improve says Genworth Canada...

    While housing starts have slowed since their burst from 2010 to 2012, there is still room for future growth and the Canadian residential market remains solid, according to the Conference Board of Canada Autumn Metropolitan Housing Outlook commissioned by Genworth Canada (the report). 

  • 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.

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    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."

  • 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.  

  • 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.?...

  •  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.

  • 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.

  • 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.

  •  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?

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