When you first purchased your home, you most likely used a lawyer to complete the transaction. When you do your renewal or if you are considering refinancing, you may be able to complete the transaction without a lawyer, using First Canadian Title (FCT). Renewals If you decide to renew your mortgage with your current lender, […]

Buying a home is one of the largest investments you will ever make! In order to make your home hunting experience the best it can be, there are a few key mistakes to avoid and be aware of before you start your journey: Not Getting Pre-Approved: One of the most important aspects of buying a home […]

Reverse Mortgages have been highly overlooked and underrated for years.  In our current financial environment, all consumers are looking for ways to live within their budgets and live more comfortably.  A reverse mortgage could be a genuinely appealing option for consumers age or older and can be used in many ways.  You would be doing […]

We see the news, we turn the page and read the next article, and nothing is thought of these concerns until renewal time….cue the scary music.  The sad reality of our current financial environment is that few will escape the impact of the changes in effect and the changes to come.  So if you didn’t […]

osfi is at it again. Late last week, the Office of the Superintendent for Financial Institutions (OSFI) announced it was concerned about the risks associated with the large and rising number of highly indebted borrowers, especially those with floating-rate mortgages, which stands at a record proportion of outstanding mortgage loans. With the economy in danger […]

Here’s the reality folks….we are in unusual times and NO ONE definitively knows what to do! We can share what we learn from analysts and economists, factor in what projections the Bank of Canada has made and analyze your circumstances to assess what options might accommodate you best. But at the end of the day, […]