Mortgage Tips

  • For 2018: Ten Mortgage Tips You Won't Get From Your Bank

    More new mortgage rules came into effect January 1, which will make it trickier to negotiate a mortgage for many Canadians. But with a little expert advice, we can help ensure you have a happy new year that keeps you on the path to prosperity for the coming year and beyond. Learn More

  • 4 Insurance Definitions For Home Buyers

    It’s easy to get caught up in home buying frenzy and just focus on finding that perfect home. During all that excitement, be sure to take some time to get acquainted with a few key insurance terms. Learn More

  • High-Ratio and Conventional Mortgage Rule Changes

    Without a doubt, the mortgage landscape is significantly more confusing. See how the new rules impact you.. Learn More

  • First comes love, then comes marriage, then comes your beautiful dream home.

    Owning your home can be the foundation for a bright financial future. And with today’s amazing mortgage rates, it makes sense to own your home, not rent it. Learn More

  • Six Financial Resolutions That Can Change Your Life

    January credit card bills are arriving to remind us how much we spent on the festive season, That’s why it is the perfect time to make sure you have the financial control you need to achieve your goals. Learn More

  • Surviving & Thriving: Your Mortgage Blueprint for 2017

    For many, it feels like some uncertain times ahead. Often it’s just a few sensible strategies that can help you survive and thrive in the current climate Learn More

  • Basic Info on GST for Residential Real Estate

    Spagnuolo & Company Learn More

  • New Down Payment Rules Effective Feb 15, 2016

    On February 15, 2016, minimum downpayment rules are changing in Canada – for homes worth more than $500,000. Learn More

  • Maximizing Your Down Payment

    A brief introduction to the RRSP Home Buyers Plan. For most people, saving for a down payment is a necessary part of purchasing a home of their own. Learn More

  • How To Improve Your Credit Score

    These tips will help you do it as quickly as possible. Learn More

  • Young Canadians Choose To Buy

    First-time home buyers put their money where their house is. Learn More

  • Thinking Of Buying A Home? Start Saving Now!

    If you are thinking of buying a home, one of the first considerations is how much you need to save for a down payment. Learn More

  • Thinking Smart About Your Mortgage

    This new year, take control of your financial future by thinking smart about your mortgage. Here are our 10 tips to help you do just that! Learn More

  • The Hidden Trap of Mortgage Penalties at the Big Banks

    The Globe and Mail – It’s easy to get caught in the posted mortgage rate trap at the big banks. Learn More

  • Property Transfer Tax and the First-Time Buyer Exemption

    Property Transfer Tax (PTT) is a provincial tax payable on the purchase of property in BC. Learn More

  • 6 Months To A Better Budget

    One of the challenges with proper budgeting is that it has to become habitual in order to be effective. Learn More

  • Mortgage Brokers Work With Self-Employed Canadians Everyday

    While freelancers, contractors, entrepreneurs and small business owners are considered an excellent and reliable customer group, it’s not always easy for someone who is self-employed to get mortgage financing. Learn More

  • Credit Score Boot Camp

    Boost your credit score fast! Learn More

  • 6 Things You Think Add Value To Your Home - But Dont

    Every home owner must pay for routine home maintenance but some choose to make improvements with the intention of increasing the home’s value. Learn More

  • Don't Renew Your Mortgage With Your Eyes Closed

    When your mortgage comes up for renewal, your lender will send you a letter suggesting you renew at their current offer. If you do, you’ll be renewing your mortgage with your eyes closed. Learn More

  • Thinking of Renting that Basement Suite? Tips for First-Time Landlords

    Do your homework and be prepared to do the work – and deal with the hassle – that comes with being a landlord. Learn More

  • 5 Tips for First-Time Homebuyers

    Although mortgage debt is ‘smart’ debt, buying your first home is a huge financial decision and there is a lot to think about. Learn More

  • First-Time Homebuyers Can Tap Their RRSPs to Help With a Home Purchase

    Designed to help first-time buyers get into home ownership, the federal Home Buyers’ Program lets you access tax-free monies for use towards the purchase or even construction of your first home. Learn More

  • Secrets to Mortgage Freedom From Those Who've Done it

    While a recent poll reveals that on average, Canadians believe they will be mortgage-free by the age of 55, those who have already achieved that goal have some advice – make a plan and be prepared for sacrifices. Learn More

  • The Mortgage Broker Advantage

    One of the most compeling reasons to work with a mortgage broker is that they have access to a wide range of lending sources, making it significantly easier to match borrowers with the mortagage product that best suits them. Learn More

  • That Low-Rate Mortgage Could Actually Cost You More

    Cheapest is not always best. Most Canadian homeowners would be shocked to discover that their low-rate mortgage could actually cost them more in the long run. Learn More

  • A Mortgage for Fixer Uppers - buy and renovate for the perfect abode

    Be sure to call us to learn about options such as a “purchase plus improvements” mortgage available to you when purchasing a fixer-upper. Learn More

  • Gov't Announces New HST/PST Housing Transitional Rules

    The government today announced the HST/PST transitional rules on new homes. Learn More

  • 10 Steps to Buying a Home

    From determining how much you can afford to picking up the keys, Your Mortgage Experts have you covered every step of the way. Learn More

  • 10 Things to Consider Before Your Mortgage Renews

    From exploring all your options to confirming your insurance needs have not changed, Your Mortgage Experts analyze the mortgage markets daily and can ensure you don’t miss any money-saving opportunities. Learn More

  • 10 Ways to Make Your Home More Energy-Efficient

    Making your home more energy-efficient can reduce your household expenses over time and potentially increase its resale value. Learn More

  • Tips on Increasing Your Credit Score

    What factors make up a credit score? Your Mortgage experts defines them and gives you some hot tips on keeping a good score or improving a low one. Learn More

  • Types of Mortgage Fraud

    Mortgage fraud has become an increasing problem in recent years. Follow these tips to help prevent Identity Theft and Title Theft. Learn More

  • Purchase or Refinance Now, before Rules Change in January

    If you’re looking to buy and will have more than 20% down, or if you are considering refinancing, then you might want to do so before January 1, 2018. Learn More

  • Mortgage Rates and Qualifying are so Complicated now. Here's Why.

    If you’ve been shopping for a mortgage lately, you’ll have figured out that rates seem to be all over the map and qualifying has changed. That’s because of new mortgage rules introduced October 17, 2016. Here’s what has changed: Learn More

  • Mortgage Before March

    Rising CMHC premiums will increase home buying costs starting March 17. If you are looking to buy, get in touch today! Learn More

  • Should You Stress About the Stress Test?

    The new rules are designed to lower debt levels, enforce some belt-tightening, and protect the housing market over the long term. Here’s how these new rules will affect Canadians. Learn More

  • What's On Your 2016 Bucket List?

    Your mortgage is the cornerstone of a sound financial plan, and can help you take control of your financial future so you’ll be able to achieve all that is on your list. Learn More

  • 6 Ways To Boost Your Credit Score

    Your credit score is essentially your passport to financial opportunities. Learn More

  • Let Renters Help Pay Your Mortgage

    Five reasons why you should let renters help pay your mortgage. Learn More

  • Understanding Your Credit Report

    A credit report is a history of how consistently you pay your financial obligations. It is created when you first borrow money or apply for credit and is built over time. Learn More

  • Don't Fall Victim To Identity Theft!

    Each year, thousands of Canadians fall victim to Identity Theft – the unauthorized collection and use of your personal information. Learn More

  • Manage Your Credit Score... it's your passport to financial opportunities

    Your credit score – the higher the better – is your passport to financial opportunities. Learn More

  • Property Transfer Tax & First-Time Home Buyer's Information

    The Property Transfer Tax (PPT) is a tax payable to the Provincial Government by purchasers of real estate. Learn More

  • A Peek At The Year Ahead

    Out top ten Mortgage Tips for 2014. Learn More

  • Going Through A Separation Or Divorce

    We can help make a challenging time a little more hopeful with personalized mortgage financing advice. Learn More

  • New Spousal Separation Mortgage

    When one of you wants to keep the marital home – New Spousal Separation Mortgage allows financing to 95%. Learn More

  • Tips For Landlords

    Tried-and-true methods of picking the best and most qualified tenants and how to avoid any potential renter disasters. Learn More

  • Top Mortgage Tips for 2013

    Your home may be the biggest investment you’ll ever make. Here are our top tips for the year ahead – sensible strategies for today’s homebuyers and owners. Learn More

  • The Mortgage Process - A Simplified Overview

    Deciding on the best mortgage for your home may be one of the most important decisions you will ever make. Learn More

  • Things to Consider Before You Cancel Your Credit Card

    Before you cancel your credit card, it’s important to take a step back and consider whether or not it’s a wise idea to do so. Learn More

  • New Mortgage Rules Effective July 9, 2012 for High-Ratio Mortgages

    These latest new rules – amortization limit of 25 years and refinance limits of 80% – are designed to lower debt levels, enforce some belt-tightening, and promote savings through home ownership. Learn More

  • Buying A Home - The Main Players

    Purchasing a home means relying on a range of professionals to guide you through the process. Learn More

  • Home Alone And Loving It!

    Tips for single homebuyers. Learn More

  • First-Time Homebuyers Will Drive The Housing Market

    First time homebuyers and people intending to buy a home in the next two years lead the pack when it comes to financial fitness and confidence. Learn More

  • Life Doesn't Stand Still - Maybe Your Mortgage Shouldn't Either

    At least annually, it is important to re-examine your mortgage to make sure it’s meeting your current needs and is on track to help your reach your financial and homeownership goals. Learn More

  • A Home Of Their Own - New Immigrants Face Hurdles

    Mortgage brokers can streamline the mortgage process for new immigrants – a broker can work with new immigrant clients to present their financial history to the satisfaction of the lender. Learn More

  • A Peek Behind Deeply Discounted 5 Year Rates

    When considering a deeply discounted 5-year rate, keep in mind that cheapest isn’t always best. Learn More

  • 10 Great Reasons to Use a Mortgage Broker

    From getting independent advice on your financial options to offering our services at no cost to you, see why a Mortgage Broker could be your best choice. Learn More

  • 10 Common Costs of Owning a Home

    While the ongoing costs of owning a home can add up to hundreds of dollars every month, we can help you plan ahead to manage these expenses and be comfortable with your financing. Learn More

  • 10 Tips For a Greener Home

    If you are thinking about making green home improvements, we can help you explore your financing options. Learn More

  • The Power of a Pre-Approved Mortgage

    Adopt the Boy Scouts motto – Be Prepared – when you start looking for a new home. Learn More

  • The Evolution of Mortgage Lending in Canada

    A brief history of the evolution of the Canadian mortgage lending process from 1935 to today. Learn More

  • The Perfect Move

    Once you’ve bought your home, you may think you have finished making decisions. We discuss the pros and cons of moving yourself and hiring movers. Learn More

  • In The Market - Why Use a Mortgage Broker

    Sarah Daniels of the Business Journal discusses great benefits to using a mortgage broker. Learn More

  • Learn Before You Leap

    Owning your own home is an exciting proposition. but before you can know whether homeownership is right for you, it’s important to understand what is involved. Learn More

"Shimona Pinto has been the best mortgage broker we could have ever asked for. She went above and beyond and helped us out in more ways than we could imagine. If you are looking to buy a place you'd be silly to go with anyone besides Shimona. Recommend 1000%"

– Harmeet M.