The Essential Qualities to Look for in a Real Estate Agent
Finding a good real estate agent isn't as complicated as it might seem at first. It's always a good idea to check off at least one traditional box to begin. Learn more
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The Connection between Bad Credit, LTV, and Mortgage Approval
Among the most critical factors that impact your mortgage approval odds are bad credit and the Loan-to-Value (LTV) ratio. Learn more
Tips for Qualifying for a Bad Credit Mortgage with a High LTV
If you have bad credit, getting a mortgage will be tricky! Especially with a high loan-to-value (LTV) ratio. While it is a difficult task, the challenge is not impossible. Learn more
Can Bad Credit Mortgages Help Improve Your Credit Score?
A credit score is a significant determinant in the finance world, governing individuals' eligibility to secure loans and mortgages. Challenges will exist for those grappling with poor credit scores, often leading them to believe that getting accepted for a mortgage loan is a distant dream. Learn more
How to Successfully Refinance Your Home in Ontario
Mortgage refinancing is a simple process. It's really all about paying off one existing mortgage with a brand new one. It's important for people to remember that to take advantage of a refinance you need to break an existing agreement. Learn more
What First-time Home Buyers in Ontario Need to Know
It's important to keep in mind that buying your first home in Ontario isn't a small accomplishment. However, the financial site NerdWallet offers some positive news. Learn more
Private Mortgage Solution for Self-Employed Individuals
Recent statistics are pointing to the fact self-employment is bouncing back from pandemic level lows. Statistics Canada reports this segment of the workforce rose by 50,000 in August of 2023. That's the first big increase in the last nine months. Learn more
Exploring the Link Between Growing Loan and Credit Card Balances
In the second quarter of 2023, credit card balances for Canadians hit a record high of $107.4 billion. The report from Equifax also highlighted the average non-mortgage debt for credit active consumers edged up to $21,131. Learn more
Understanding Inflation’s Influence on Private Mortgage Borrowing
Inflation, the rate at which the general level of prices for goods and services rises, significantly impacts various sectors of the economy. One such sector profoundly influenced by inflation is the private mortgage lending market. Learn more
Understanding the Impact of Bad Credit on Your Mortgage Approval
Understanding how bad credit impacts your ability to secure a mortgage is vital. After all, obtaining a mortgage may be among your life's largest financial choices. Lenders are more hesitant to approve your loan application when you have a low credit score since it makes you a riskier borrower. Learn more