29 Oct

Exciting Mortgage Changes

General

Posted by: Ryan Roth

As we approach the end of 2024 and head into 2025, some significant changes are on the horizon for the Canadian mortgage market. Whether you’re a first-time homebuyer, a current homeowner, or considering refinancing, these updates may impact your decisions and financial plans. Here’s a breakdown of the most important changes you need to know: […]

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15 Oct

Best Home Features for Pets

General

Posted by: Ryan Roth

In honor of my dog Maeve’s fourth birthday today, I present the best home features for pets! Creating a pet-friendly home involves considering the comfort, safety, and well-being of your furry friends. Here are some features to consider: Durable Flooring: Choose scratch-resistant and easy-to-clean flooring like hardwood, laminate, or more durable tile options. Avoid carpets if […]

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7 Oct

Does It Matter How Often I Pay My Mortgage?

General

Posted by: Ryan Roth

You may not be sure which Payment Frequency is ideal to make your mortgage payments Should you pay your mortgage every week? Every two weeks? What about accelerated payments? Typically the different frequencies offered by most lenders are: → Monthly (12 payments per year) → Semi-monthly (24 payments per year) → Non-accelerated bi-weekly (26 payments […]

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3 Oct

Smart Ways to Cut Your Energy Costs

General

Posted by: Ryan Roth

In the last decade, climate change and energy efficiency have become top of mind for many Canadians. From wanting to do our part by recycling to making our home as energy efficient as possible, there are so many benefits to being environmentally and energy conscious. If you are looking to cut costs or simply want […]

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23 Sep

What’s Next for your Home After a Separation?

General

Posted by: Ryan Roth

Growing up, most people dream about living a fairytale with a wonderful partner and a life of bliss. Unfortunately, real life is not always a fairytale and not every relationship lasts forever. In fact, latest statistics show that 38 percent of all marriages in Canada end in divorce. Separating, whether through divorce or ending a […]

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18 Sep

9 Mortgage Mistakes

General

Posted by: Ryan Roth

Whether it is your first house or you’re moving to a new neighborhood, getting approved for a mortgage is exciting! However, even if you have been approved and are simply waiting to close, there are still some things to keep in mind to ensure your efforts are successful. Many homeowners believe that if you have […]

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9 Sep

Weak Canadian Labour Force Survey Sets The Stage For Further Rate Cuts.

General

Posted by: Ryan Roth

Statistics Canada released August employment data today, showing continued growth in excess supply in labour markets nationwide. Employment changed little last month, up 22,100. The employment rate—the proportion of the population aged 15 and older who are employed—decreased a tick to 60.8%, marking the fourth consecutive monthly decline and the 10th decline in the past 11 months. On […]

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3 Sep

2024 Fall Market Outlook

General

Posted by: Ryan Roth

The initial Bank of Canada rate cuts this past summer did not spur housing activity as anticipated, but potentially more on the way will continue to affect the housing market outlook. New listing levels are expected to rise as sellers who may have held back enter the market with the hope that lower mortgage rates […]

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28 Aug

Six Mortgage Facts You May Not Know

General

Posted by: Ryan Roth

Buying a home with a 5% down payment is available to everyone. Contrary to popular belief, you don’t have to be a First Time Home Buyer, this is available to anyone as long as you qualify. In theory, you could turn your current home into an investment property and buy another home with only a […]

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20 Aug

The Benefit of Rate Holds

General

Posted by: Ryan Roth

Being on the path to purchasing a home is one of the most exciting and most rewarding moments in life! To help make the mortgage process smoother, one of the things you can do is to get pre-approved for your mortgage. Getting pre-approved doesn’t commit you to a single lender, but it does guarantee the […]

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