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Great news for B.C. First Time Home Buyers! $10,000 income tax credit

ADVICE Author: Caroline Lennox

Ready to make a move?  Apply to get pre-approved for a mortgage!
Click here:  read more

Kam's Mortgage Minute - BC government announces HST housing rebate increase

ADVICE Author: Kam Brar

February 22, 2012

BC government announces HST housing rebate increase&l...

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Kam's Mortgage Minute - Mortgage Fraud up

ADVICE Author: Kam Brar

February 21, 2012

Mortgage fraud on the rise reports Equifax Canada, co...

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10 year term rate for 3.99% mortgage oac? Why not?

ADVICE Author: Caroline Lennox

Come and get it!

Several lenders are still offering an incredibly low 10 year term rate of 3.99% closed on approved credit. And these mortgages are sellin...

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Kam's Mortgage Minute - Quebec tuition hikes

ADVICE Author: Kam Brar

February 20, 2012

Quebec students protest rising tuition hikes read more

Down Payments - where to get them, how much you need

ADVICE Author: Caroline Lennox

Potential Sources of Down Payments include:

  • Savings
  • Borrowed RRSP’s (Government Programs)
  • Non-repayabl...
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Pay down mortgage or contribute to RRSP part 2

ADVICE Author: chris murphy

Rob Carrick has been encountering some push back on his premise that paying down the mortgage is best. His second article  adds more information worth looking at.

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Kam's Mortgage Minute - Tribute to a Legend

ADVICE Author: Kam Brar

February 17, 2012

Tribute to gary Carter a baseball legend

&... read more

Kam's Mortgage Minute - Housing market slows to a crawl

ADVICE Author: Kam Brar

February 16, 2012

Housing market slows to a crawl

&...

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Kam's Mortgage Minute - Will the Housing Market CRASH?

ADVICE Author: Kam Brar

February 15, 2012

Will the housing market crash?

&l...

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Kam's Mortgage Minute - Valentine's Day and how you "SPEND" it!

ADVICE Author: Kam Brar

February 14, 2012

Valentine's Day and finances

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RRSP choices - pay down the mortgage or contribute to RRSP

ADVICE Author: chris murphy

This is a great short video off the Globe and Mail. There are some good thoughts that could be applicable for this year, the low mortgage rates and maybe low investment returns.

&l... read more

Kam'd Mortgage Minute - War of 1812 and Snooki

ADVICE Author: Kam Brar

February 13, 2012

Kam's discussion on the war of 1812 and Snooki&l...

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Energy upgrades help new buyers and homeowners save some green

ADVICE Author: Caroline Lennox

When the cold weather strikes and you notice drafty windows and increasing utility bills, it may be time to think green.

Upgrades to improve your home's energy co...

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Kam's Mortgage Minute - Banks rates on the rise

ADVICE Author: Kam Brar

February 09, 2012

Bank rates rise and Western population growth read more

Have rates hit bottom? Those rate specials are being taken off the table.

ADVICE Author: chris murphy

This may be the ... read more

Greek Debt and DND men and women

ADVICE Author: Kam Brar

February 09, 2012

Greek debt and the DND...

http://youtu.be/7yar5RUd...

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When Bad Things Happen to Good People: 10 Tips on Obtaining a Mortgage After Bankruptcy

ADVICE Author: Caroline Lennox

Many Canadians find themselves bogged down with a bad credit rating for the wrong reason –illness, losing a job, or simply not understanding consumer credit. Sometimes bad financial...

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Kam's Mortgage Minute - Bank Fees on the Rise

ADVICE Author: Kam Brar

February 08, 2012

Bank fees on the rise

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Renters wanting buy. How rates can affect their timing.

ADVICE Author: chris murphy

Renters and the Rate Influence

More than 1 in 4 ren...

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Kam's Mortgage Minute - Lenders are tightening up on self-employed mortgage guidelines

ADVICE Author: Kam Brar

February 07, 2012

TD bank tightens up on self employed mortgages read more

Mortgage rate fiaxation - and stay flexible?

RESOURCE Author: chris murphy

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Kam's Mortgage Minute - Greek Debt and Personal Household Debt

ADVICE Author: Kam Brar

February 06, 2012

Greek debt and Canadian Household Debt. Are the two s...

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How to get a credit card post-bankruptcy discharge, you have no credit history or your credit rating is poor

HOW-TO Author: Caroline Lennox

Q: How do I get a credit card now that my credit is bad, and/or the bankruptcy has been discharged?
A.  Secured Credit Cards are a good way to start. ...

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Kam's Mortgage Minute - Self Emplyed stated income mortgage

ADVICE Author: Kam Brar

February 03, 2012

Lenders changing rules on stated income...

... read more

Mortgage Industry in Canada In the News - does it affect you?

ADVICE Author: Caroline Lennox

http://clmortgages.com/index.php?option=com_content&view=article&id=93:mortgage-industry-changes-in-the-news&catid=5:blog&Itemid=8

... read more

Kam's Mortgage Minute - Do you know more about the Annoying Orange or your Mortgage?

ADVICE Author: Kam Brar

February 02, 2012

It's amazing how many folks know very little abo...

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Kam's Mortgage Minute - Self employed mortgages change and Facebook goes to Wall Street

ADVICE Author: Kam Brar

February 1, 2012

Self employed mortgages change and Facebook goes to Wa...

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New mortgage rules for 1st time buyer? Another look into government concerns

ADVICE Author: chris murphy

If the govrnment makes this change - and we dont know when or if - 1st time home buyers will have to find more money fo...

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Kam's Mortgage Minute - CMHC backing fewer mortgage loans

ADVICE Author: Kam Brar

January 31, 2012

CMHC backing fewer mortgage loans. Should we be concer...

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Get pre-approved and don't miss the Great Canadian Mortgage Sale!

ADVICE Author: Caroline Lennox

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News That Affects your Mortgage

RESOURCE Author: chris murphy

There is so much interest in mortgage rates these days. The Banks are fighting for market share using time limited, better- read -the- fine print type of mortgage offerings. What should you b...

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Kam's Mortgage Minute - Stephen Harper 'major changes to Canada Pensions'

ADVICE Author: Kam Brar

January 27, 2012

Stephen Harper announces major changes to Canada'...

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Kam's Mortgage Minute - Housing Prices Declining

ADVICE Author: Kam Brar

January 26, 2012

Housing priced in Victoria decline and prime interest ...

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Kam's Mortgage Minute - Bank of Canada and Canadian Government send mixed messages

ADVICE Author: Kam Brar

January 25, 2012

Bank of canada and the government... are they on the s...

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Kam's Mortgage Minute - Canadian Economic Growth Slows

ADVICE Author: Kam Brar

January 24, 2012

Canada's economic growth slows, but still leads G...

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Kam'd Mortgage Minute - Household Debt to Income Ratio

ADVICE Author: Kam Brar

January 23, 2012

Household Debt to Income Ratio

<...

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Kam's Mortgage Minute - Real Estate Investing

ADVICE Author: Kam Brar

January 19, 2012

Real Estate Investing

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Kam's Mortgage Minute - Bank of Canada

ADVICE Author: Kam Brar

January 18, 2012

Kam's Mortgage Minute on the Bank of Canada read more

Best Rates- What's in the Fine Print - Part 2

ADVICE Author: Caroline Lennox

I can't stress this enough...!
Restrictive clauses in mortgages *do not* go away at the end of the term.
They are there for the full life of the mortgage, term afte...

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Kam's Mortgage Minute - Record Low Interest Rates

ADVICE Author: Kam Brar

January 17, 2012

View Kam's mortgage minute on Record Low Interest...

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Is your mortgage a Collateral Charge Mortgage? Gail from Debt 'Til Us Part has some advice for you...

ADVICE Author: Caroline Lennox

Check out what Gail (Debt Do Us Part) says about Collateral Charge Mortgages

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Kam;s Mortgage Munute - CMHC talk of rule changes

ADVICE Author: Kam Brar

January 16, 2011

Kam's Mortgage Minute

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Best Rates - what's in the fine print?

ADVICE Author: Caroline Lennox

Several lenders are lowering rates on 5 year fixed products and their is a lot of buzz.
This is great news for everyone.  Still, don't be distracted by 'best rat...

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Three Quick Tips for paying down your principal sooner than later

HOW-TO Author: Caroline Lennox

NOTE - All of these tips are subject to what is in your current mortgage contract.
To set an appointment for a Mortgage Checkup with Caroline, call 800-757-0412 or text 250-415-95...

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Talk to the Experts on CFAX 1070 with Kam the Mortgage Man

ADVICE Author: Kam Brar

JANUARY 12, 2012 - Talk To The Experts with Kam the Mortgage Man on CFAX

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Your Own Bank!

ADVICE Author: Kam Brar

Your own bank!

You need to know what you haven't been told: the right move will make you wealthy, the wrong move...

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YouTube Mortgage

ADVICE Author: Kam Brar

Subscribe to YouTube Mortgage Channel

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Kam's Mortgage Minute - Canadian Consumer Debt

ADVICE Author: Kam Brar

Kam's Mortgag Minute - Canadian Consumer Debt read more

Hidden Costs of Buying a Home

ADVICE Author: Kam Brar

Hidden Costs of Buying a Home 

Home purchase can be stressful for anyone, espec...

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Kam's Mortgage Minute - Reverse Mortgage

ADVICE Author: Kam Brar

Kam's Mortgage Minute http://www.youtube.com/watch?v=dUyAj27RyJE

... read more

CMHC Releases 2011 Canadian Housing Observer a Comprehensive Report on the State of Housing in Canad

ADVICE Author: Caroline Lennox

(Copyright belongs to CMHC)

"The anticipated growth in the influence of seniors on the housing market in the future as their share of the population rises from about ...

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Are your monthly debt payments too heavy a burden? Resolve to start building wealth - here's how...

HOW-TO Author: Caroline Lennox

Are you ready to say "I RESOLVE... to clear these holiday bills and start building wealth"?

Most Canadians suffer with their highest personal debt load in Jan...

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January 2012 Mortgage Newsletter

ADVICE Author: Kam Brar

read more

BC raises threshold of homeowner grant

ADVICE Author: Caroline Lennox

THE NEW YEAR IS KICKING OFF WITH GOOD NEWS!
If you have any questions, call Caroline at 800-757-0412

NEWS RELEASE<...

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Hold on to your dreams!

ADVICE Author: Caroline Lennox

Please allow me to offer encouragement for you to hold on to your dreams in the midst of  economic turmoil and holiday spending hangovers.

As an ano...

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Mortgage News from Caroline - December 2011 edition

ADVICE Author: Caroline Lennox

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Advice for New Couples

ADVICE Author: Caroline Lennox

Get the mortgage first, then the car payment"
..one of Caroline's favourite pieces of advice. Why? Ask Caroline about Debt Ratios
...

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The Canadian homeowners' crystal ball: Top Ten for the year ahead

ADVICE Author: Caroline Lennox

Everyone loves to make forecasts for the New Year. With that in mind, we’ve put together a glimpse into the year ahead for Canadian homeowners – so you can plan for some g...

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Private/Alternate Money is relatively cheap right now

ADVICE Author: Caroline Lennox

November 22, 2011

One of the private/alternate mortgage lenders I work with gave me permission to publish their ad promo, as long as I also advise people tha...

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Home Purchase Mortgage Tips

ADVICE Author: Caroline Lennox

If you are thinking about purchasing a new home, don’t wait until you find the perfect home to get pre-approved. Make sure your credit is healthy and find out how much you can qualify for ...

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What could you do with $25,000? Draw Ends Dec 31, 2011. Enter today!

RESOURCE Author: Caroline Lennox

Caroline Lennox, your Invis mortgage broker, invites you enter for a chance to win $25,000 in the the Invis Now I Can draw.

click here NowICan...

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7 and 10 YEAR terms are attractive when lates are this low

ADVICE Author: Caroline Lennox

Dec 12, 2011 -"The stability of Canadian bond yields has some of our lenders reducing their longer term mortgage rates. For clients who worry about the future direction of interest rates as...

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Mortgage Monthly December Newsletter

ADVICE Author: Kam Brar

Click here to view my mortgage monthly Newsletter for December http://kamthemortgageman.com/mortgage_mon...

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Down Payment and using RRSP's

ADVICE Author: Kam Brar

http://www.youtube.com/watch?v=fd4hEjL96hQ&feature=relmfu

... read more

Mortgage Renewal

ADVICE Author: Kam Brar

http://www.youtube.com/watch?v=zEsQYWJAbq0&feature=relmfu

... read more

Mortgage Savings

ADVICE Author: Kam Brar

http://www.youtube.com/watch?v=R06R8PfYvKE&feature=channel_video_title

... read more

Impulse purchase

ADVICE Author: Kam Brar

Call it inexperience or lack of knowledge or just being a little naive. But little mistakes can make the loan process a nightmare. So I would like to give a little advice and hopefully it will g...

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Mortgage Newsletter November

ADVICE Author: Kam Brar

http://www.kamthemortgageman.com/mortgage_monthly/Mortgage_Monthly_November2011.pdf

... read more

Top Five Ways to Be Mortgage Free Sooner

HOW-TO Author: Steve Dyment

Every week I get someone asking me if there are any tips or tricks to paying down your mortgage faster. While there are several, some of the best ones aren't that complicated and only re...

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Advantages of Refinance

ADVICE Author: Kam Brar

http://www.youtube.com/watch?v=Ril_Q2ExT6g

... read more

Budgeting 101

ADVICE Author: Kam Brar

Click the link belowto read my monthly newsletter on Budgeting http://www.kamthemortgageman.com/mortg...

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Can I still get a '0' down mortgage?

ADVICE Author: Kam Brar

Didn't think '0' down mortgages were still an option, click here to find out:http://www.youtube.com/watch?v=dM3_-EmCnjY

... read more

Mortgage Application

ADVICE Author: Kam Brar

http://www.youtube.com/user/KamtheMortgageMan?ob=5watch this application video or go to read more

Mortgage Advice on UTube

RESOURCE Author: Kam Brar

A little bit of mortgage information!

http://www.youtube.com/user/KamtheMortgageMan#p/a/u/0/R06R8PfYvKE...

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Mortgage Newsletter September

ADVICE Author: Kam Brar

September's Edition of my monthly newsletter: http://www.kamthemortgageman.com/mortgage_monthly/Mort...

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How to Find The 'Right' Mortgage to meet your needs.

ADVICE Author: Carol Dorn, AMP

Are you confused about the various mortgage options available? Fixed, Closed, Adjustable, Open, Line of Credit......it can be difficult to know which option is best.Call 250-808-5521 for more in...

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Your Individualized Financing Plan

ADVICE Author: Carol Dorn, AMP

Finding the best mortgage for your needs and your budget can be frustrating. With the wide variety of mortgage products available, there may be options you are not aware of.

... read more

Rate Update

RESOURCE Author: Carol Dorn, AMP

Mortgage Rates Are Falling

Rates have dropped significantly over the past week which means it is the perfect time to obtain a 90 or 120 day pre-approval rate h...

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Has The Bank Declined Your Mortgage Application?

ADVICE Author: Carol Dorn, AMP

Did you know that a Mortgage Broker has many Lender options available. If you do not 'fit' into a traditional banks lending package, call me today. There may be a mortga...

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Got bad credit, heed a home equity loan?

ADVICE Author: Kam Brar

Got bad credit, need a home equity loan?

If you have bad credit and need money, but own a home with equity in it, than a home equity loan may just be the ticket for y...

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Borrowing Fundamentals 101 Part 2

ADVICE Author: Kam Brar

What can I do to build my credit so I can qualify for the lowest rates possible?

Start with baby steps; begin establishing your credit with small manageable loans and...

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Borrowing Fundamentals 101 Part 1

ADVICE Author: Kam Brar

Borrowing Fundamentals 101 (Part 1)

What is Credit?

You can think of credit in many different ways, but at its core I would define it as &...

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The ABC's of Mortgages

RESOURCE Author: Kam Brar

ABC’s of mortgages

Here are some very common mortgage terms and expressions you are bound to hear throughout the mortgage process.

AMORTIZATION PERIOD: The ...

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Four Ways to Pay Down Your Mortgage Sooner

HOW-TO Author: Carol Dorn, AMP

Four Ways to Pay Down Your Mortgage Sooner

Here are four ways to save money on what is likely to be your biggest lifetime purchase.

1. Use Y...

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Mortgage Rates Expected to Remain Low

ADVICE Author: Carol Dorn, AMP

Obtaining a Pre-approval gives you up to 120 days to purchase without any rate increases. For your Free 120 day rate hold, call Carol Dorn, AMP - The Mortgage Mama.

<...

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Down Payment Options

ADVICE Author: Carol Dorn, AMP

Do you know there are many down payment options when buying a home?  

If you are a first-time buyer, you have the option of usi...

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The Right Mortgage Throughout Your Life

ADVICE Author: Tom Mah

Getting married, additions to the family, receiving an inheritance – major life events can have an impact on which mortgage is right for you.  It makes sense to revisit ...

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Seven Steps to a Higher Credit Score

HOW-TO Author: Steve Dyment

Eventually in life you will come to a point where you need to borrow money. Whether it’s for a new home, car or something else, your credit score will have big impact on whether you...

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Mortgage Affordability Rule

RESOURCE Author: OpenHouse Team

The first affordability rule is that your monthly housing costs shouldn't be more than 32% of your gross household monthly income. Housing costs include monthly mortgage principal ...

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What is Rent to Own?

HOW-TO Author: Steve Dyment

If you look through the classifieds these days you'll often see headings advertising 'Rent to Own' programs. These programs often have several different names (Lease option, Le...

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