Mark and Sarah were a fairly typical couple when we met them 5 years ago.  He worked in the trades, while she was in customer service, both with full time hours and a steady household income. They were moving from a condo to a family home, and everything went smoothly through their mortgage process.

Think Big This Spring!

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.

As renovation season rolls around once again, our team wanted to look at the top challenges that homeowners face in their renovation projects. After all, if you can plan ahead you can hopefully avoid some of these headaches in your own work.

It may seem counter-intuitive to think about refinancing your mortgage right before your income taxes are due. After all, how are they even related? The reality is that your mortgage is probably the single largest debt you carry, and you're paying it off with after-tax income.

Time deadlines are crucial in this continuing hot real estate market. Whether you are removing subjects on an offer, facing your mortgage renewal date, or preparing for the closing of your home purchase, it is almost inevitable that you will feel like you're racing the clock at some point. The goal of our team of mortgage planners is to always be mindful of your deadlines and strive to meet them.

How Long Does a Mortgage Take?

We will do our best to keep you informed of the time required to confirm and complete your mortgage financing throughout the process. While each file is unique, here's a general idea of the timing you can expect along the way: