Obtaining a mortgage can be intimidating and confusing. Similar to the buyer and seller guides, I’ve outlined the mortgage process for you in 4 easy steps! 
 
Step 1: Mortgage Application 
 
Before an application gets filled out, it’s important to first asses yourself financially. Figure out how much money you have and how much you need to borrow. It’s always critical to sort out how much you can afford so that when you apply for a mortgage you will be able to... [read more]

With the Bank of Canada (BOC) raising its benchmark interest rate 6 times since March it’s no wonder everyone is questioning whether they should lock to a fixed rate or ride the variable train. What's the difference between fixed and variable rates? With a fixed-rate mortgage, the mortgage rate and payment you make each month will stay the same for the term of your mortgage. With a variable-rate mortgage, however, the mortgage rate will change with the prime lending rate as... [read more]

As we approach the dawn of 2024, the Ontario real estate market stands at the intersection of innovation, resilience, and evolving trends. The dynamic landscape continues to be shaped by factors such as economic shifts, changing demographics, and the aftermath of global events. Let's explore what's on the horizon for real estate rates in Ontario in the coming year. Interest Rates and Mortgage Trends: The Canadian housing market has historically been influenced by interest... [read more]