Mortgages

Mortgage renewal tips
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7 Tips For Negotiating Better Terms At Mortgage Renewal

When it’s time for mortgage renewal, many homeowners simply sign the renewal offer from their current lender without considering their options. If you’ve been consistent with your mortgage payments all this time, you can negotiate better terms and even a lower interest rate! Whether it’s seeking a lower interest rate, adjusting the payment schedule, or […]
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When Will Mortgage Rates Go Down in Canada?

As we approach the end of 2023, many Canadians are wondering when mortgage rates will start to decrease. This year has seen a significant rise in rates, with an increase of 75 basis points. Currently, the target rate is set at 5%, and it’s expected to remain there for the rest of the year. Around […]
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What Is Mortgage Insurance? Why Do I Need It? 

When you decide to buy a home in Canada, you’re not just investing in property; you’re taking on the responsibility of maintaining it, protecting it, and ensuring its financial viability. When it’s time to sell, you expect a certain return on your investment. Mortgage insurance plays a crucial role in that last part. It might […]
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Canadian Mortgage Rate Forecast For 2023

Canadians consider the market forecast for mortgages before they proceed with the mortgage application. You might work with the top mortgage agent in Kingston, but even they don’t have control over the staggering interest rates.  The Bank of Canada sets the benchmark rate, based on which the other banks decide their interest rates. It’s the […]
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Should I Buy A House Despite Rising Interest Rates? 

With rising interest rates, buyers have become hesitant in purchasing a home. Several Canadian buyers are wondering if now’s the right time to purchase or if they should wait longer. Real estate prices have dropped significantly since February 2022 and that’s why you should buy a house within the next four months.  Down payment amount, […]
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Should You Rent or Sell Your House?

When it comes to deciding whether to sell or rent out your house, there are many important factors you need to consider. Much of this decision will depend on your long term goals, your current living and financial situation, your level of commitment, and your ability to work within time constraints. Before committing to either […]
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Mortgage Agent vs Broker

Learn the difference between a mortgage agent vs broker and how each can help you.
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5 Tips for First-Time Homebuyers

Did you know that the majority of first-time homebuyers are Millennials? That’s right; Canadians born between 1980 and 1995 now represent a full 77 per cent of first-time homebuyers. If you fit the mold, then get a leg up on the competition as we enter the year’s hottest real estate month. Here are our five […]
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10 Ways To Make Your Home More Energy-Efficient

1) Conduct an energy audit If you’re serious about improving your home’s energy conservation, start with an energy audit by an NRCancertified energy advisor — you can search for an advisor in your area at www.nrcan.gc.ca. You’ll get a list of recommended upgrades to help you plan, and you may qualify to receive up to […]
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10 Tips For A Greener Home

1) Go green, underfoot If you’re thinking of installing a hardwood floor, consider reclaimed materials or look for new wood products that are certified by the Forest Stewardship Council (FSC) Canada. You could also use more readily renewable materials such as cork, bamboo, or carpets made from natural fibres. 2) Lower your water flow Target […]
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