It's the time of year when we all dream of the warm sun on our faces and the blue water lapping on the white, sandy beach. Sounds delightful – until an accident happens!
Jan 04 2019
Jan 03 2019
How Julie & Mark Went From Consumer Proposal to 'A' Mortgage Rates
When we first met Julie and Mark, they were just a few months out of a Consumer Proposal and hoping to buy a home. When it comes to a Consumer Proposal or Bankruptcy, in order to borrow money a lender generally likes you to be at least 1 year past the end of the Proposal with 2 years of re-established credit. There can be some flexibility based on the loan-to-value (LTV) of your mortgage, so our team went to work finding a solution.
Dec 06 2018
When we met John and Monica, they co-owned a home with Monica's parents. The family had made the decision to sell that property to give the younger couple the opportunity to find a home of their own. This generous gift left John and Monica with a significant down payment on their next property, but they wanted to know exactly what they could afford.
Nov 23 2018
While the holidays are billed as the most wonderful time of the year, many of us feel stressed or anxious during this season. Hospitals and doctor's offices also experience a surge of patients due to holiday-related injuries. Our team wants you to have a happy and healthy season, so we asked our insurance experts to share their top tips.
Nov 08 2018
Unfortunately, sometimes "happily ever after" doesn't last forever. We originally met Veronica and Tom through one of our realtor partners, with whom they were shopping for their first family home. They found a property they loved with a suite as a mortgage helper and put in an offer. Our team secured them a mortgage with a monoline lender that would allow them to meet their financial goals as their family matured.
Nov 07 2018
Heightened levels of seismic activity off Canada's West Coast over the past few months – and a series of earthquakes last week – comes as an important reminder to homeowners and tenants of how vital it is to have earthquake insurance to protect your largest investment and the contents inside.
Oct 12 2018
A common way to get on the property ladder is for mom & dad to help out with a first property purchase. This can take many forms, from a gift of funds for the down payment to co-signing on the mortgage. In Sheila's case, her parents had bought a condo unit for Sheila to live in while she was attending school.