Mortgage Applications: How Lenders Review and Calculate Your Income

Mortgage Applications: How Lenders Review and Calculate Your Income Navigating the complex world of mortgage applications can be an intimidating journey for anyone. Whether you are a first-time homebuyer, renewing your mortgage, or exploring options for investments or refinancing, understanding how lenders assess and calculate your income is pivotal. As a Mortgage Broker with access

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Secure Your Child’s Future: Back to School Homeownership Tips for Parents

Secure Your Child’s Future: Back to School Homeownership Tips for Parents As the summer haze fades and classrooms buzz back to life, a momentous decision awaits Canadian parents. Have you ever pondered how homeownership could bolster your child’s prospects? We’ve got some insights that might tip the scales. Building Equity for the Next Generation Canadian

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Navigating Uncertain Times: Why You Need a Mortgage Broker

Navigating Uncertain Times: Why You Need a Mortgage Broker Life can be pretty unpredictable, right? Especially when it comes to money. Lately, inflation has been causing a lot of concern in Canada, and it’s affecting everyone—from businesses to regular folks like you and me. Prices for everyday things like groceries and gas keep going up,

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The Smith Manoeuvre

The Smith Manoeuvre Debt is pretty much a given for most Canadians. But do you have the wrong kind of debt? The wealthy have debt too. The difference is that they turn their loans into “good debt” by making the interest tax-deductible with the help of accountants and lawyers. So, while the wealthy are transforming their

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How To Keep Your Credit Score Sparkling

How To Keep Your Credit Score Sparkling Give Your Credit Score a Super Boost!  When purchasing a home, your credit score plays a significant role in the interest rate you may qualify for. Not only that, but it also may determine if you are approved for a mortgage or declined.  It’s frustrating for you to

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Banker Vs. Broker: Do You Know the Difference?

Banker Vs. Broker: Do You Know the Difference? Question for you: Did you work with a banker or a broker for your last mortgage?  We may have already done business together, and you may understand the difference between a banker and a broker. Even so, this might be worth a quick refresh in case you

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The Pitfalls Of Mortgage Portability

The Pitfalls Of Mortgage Portability “Is my mortgage portable?” is a frequently asked question.  The answer is probably yes. “Is it easy to port my mortgage?” is a question that should be asked frequently but isn’t.  And the answer is probably not!    What Is Porting A Mortgage? When selling your existing home and buying something else,

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Co-Ownership

Co-Ownership There’s lots of talk about co-ownership in Canada these days – it’s one way of resolving the challenges of affordable housing and getting more people into a position of owning a home (or at least a portion of a home). Here’s what you need to know about co-ownership and how it might affect you.

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Christina Pentlichuk's Blogs

What Lenders Look For

What Lenders Look For Aside from your down payment, banks and lenders expect to see your complete financial profile when deciding whether or not to approve your mortgage and when selecting your interest rates. So, let’s break down exactly what they are looking at. When considering you as a borrower, lenders look at three main

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