General Trish Pigott 17 May
Does the idea of saving money and having financial freedom seem impossible? The average Canadian owes $23,000 in consumer debt and has at least 2 credit cards*. If you live paycheque to paycheque, this may be you. But experts in financial education point out that no matter your income, a few changes to the way […]
Read MoreMortgage Tips Trish Pigott 19 Apr
We often get caught up using mortgage jargon that is not a part of your everyday vocabulary. Some terms that are commonly used in our industry are listed below. Amortization Period This is the number of years it will take to repay the entire mortgage in full. A longer amortization period will result in lower […]
Read MoreGeneral Trish Pigott 19 Apr
A down payment is one of the most essential aspects of every mortgage application and new home purchase. Here are a few things to keep in mind while getting it prepared. The Source of the Down Payment Most home buyers are aware that they will require a certain amount of money for a down payment. […]
Read MoreGeneral Trish Pigott 8 Apr
Analysts are predicting another rate increase to the prime rate on April 13, 2022, with a few more to follow in the remainder of the year. Many variable rate mortgage holders have concerns, asking if they should lock in or take a fixed rate on a new mortgage. If you are shopping for a mortgage […]
Read MoreGeneral Trish Pigott 5 Apr
Moving to a larger house is not the only time that things can change with your home and mortgage. Sometimes there comes a point when owning a home becomes a little too much to handle. Perhaps your children have moved out and you no longer need those three extra bedrooms. Whatever the reason, downsizing is […]
Read MoreMortgage Tips Trish Pigott 31 Mar
We recommend getting a pre-approval to have the best success with your mortgage. This can be done through us, to ensure that you get the best mortgage product FOR YOU; from the best rate to the best term agreement. Benefits of Getting a Pre-Approval While getting pre-approved might sound boring (and you might be asking […]
Read MoreHome Tips Trish Pigott 24 Mar
Selling your home depends on many factors. Most importantly, it relies on the feeling it exudes when a potential buyer walks through the door. You want to make them feel welcomed and at ease. This is why home staging is so important. Although the thought of it may be overwhelming, it could help your home […]
Read MoreGeneral Trish Pigott 22 Mar
When it comes to the Canadian housing market, there are lots of options. From renting an apartment to owning a single-family home, it all comes down to where you’d like to live and what you can afford. There is no right or wrong answer when it comes to whether you should rent or buy, but […]
Read MoreGeneral Trish Pigott 18 Mar
Financial independence is a critical skill for future success that your children will not learn anywhere else. Not only does financial literacy help your children have more success in life, but it allows them to move out sooner and avoids delaying retirement. As much as parents want to help their kids, it should not be […]
Read MoreGeneral Trish Pigott 15 Mar
As we get ready for the tax season, now more than ever you need to plan ahead. This is especially crucial when it comes to self-employed borrowers. We’ve provided some insight below on how reporting your income can affect you as a home buyer or borrower. Self Employed Borrowers For self-employed people, banks will look […]
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