3 Reasons Canadian Mortgage Rates Will Never Hit 5%
Read in Tagalog High borrowing rates are a relic. Canadian regulators may soon force borrowers to qualify at interest rates two percentage points above the contract rate. With many posted mortgage...
View ArticleMortgage Chat – New Mortgage Rules coming into effect January 1 2018
See in Tagalog Thanks for visiting the Mortgages by Bernadette & Team Blog. Mortgage Chat is a weekly Facebook Live video where we have a chat about what is going on in the world of mortgages. I’ve...
View ArticleBank of Canada Rate Announcement Oct 25th, 2017
Read in Tagalog The Bank of Canada today maintained its target for the overnight rate at 1 per cent. The Bank Rate is correspondingly 1 1/4 per cent and the deposit rate is 3/4 per cent. Inflation has...
View ArticleI’ve Never Heard of That Lender Before?
Read in Tagalog One of the benefits of working with an independent mortgage professional; compared to getting your mortgage through a single institution, is choice. And as there are even more mortgage...
View ArticleTop Dollar: How High Can You Go?
Read in Tagalog Affordability is a major concern for today’s aspiring first-time homebuyers. In hot real estate markets like the Greater Toronto and Greater Vancouver regions, however, the desire for...
View ArticleBuying A Home, The 30,000 Foot View
Read in Tagalog Did you know that the average Canadian will spend roughly 11 months actively engaged in the house buying process? However, most of the dreaming (and preparation) happens before then....
View ArticleGetting on the Property Ladder
Read in Tagalog As property prices continue to rise across Canada, the conversation around “how to climb the property ladder” has made a subtle shift to “how to get on the property ladder in the first...
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How To Save $1 Million For Retirement
Read in Tagalog Starting to save early for retirement is extremely beneficial in the long run, especially if you have the dream of retiring with $1 million as so many Canadians do. It’s not an easy...
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Avoid This Mistake When Shopping for a House
Read in Tagalog No doubt about it, buying a home is an emotional experience. It’s a game of balancing needs and wants, while trying to be honest with yourself about those very needs and wants. It’s...
View ArticleBank of Canada Rate Announcement Dec 6th, 2017
Read in Tagalog The Bank of Canada today maintained its target for the overnight rate at 1 per cent. The Bank Rate is correspondingly 1 1/4 per cent and the deposit rate is 3/4 per cent. The global...
View ArticleFall Survey Highlights Stress Test Fallout
OSFI’s forthcoming stress test for all uninsured mortgages after January 1 will have far-reaching effects across the mortgage industry, potentially removing up to 50,000 buyers from the real estate...
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Happy Holidays 2017!
Read in Tagalog I’m going to be taking a short blog holiday over the Christmas season and will resume publishing new content in January of 2018. If you need to reach me for any reason, please don’t...
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The Year That Was and the Year to Come
Read in Tagalog 2017 is in the rear view mirror and the road to 2018 is directly in front of us! As starting a new year is a great time to gain some perspective, let’s reflect on some of the changes...
View ArticleThe New Year is a Great Time to Review Your Mortgage!
Read in Tagalog Happy New Year, 2018 is here! If you’re anything like me, you’re looking to set some goals to make some real progress this coming year! I can’t help you with your goals in the gym, but...
View ArticleBank of Canada Rate Announcement Jan 17th, 2018
The Bank of Canada today increased its target for the overnight rate to 1 1/4 per cent. The Bank Rate is correspondingly 1 1/2 per cent and the deposit rate is 1 per cent. Recent data have been strong,...
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5 Things You Need to Know Before You Co-Sign a Mortgage!
Read in Tagalog So you’re thinking about co-signing for a mortgage? Okay, do you really know what that means do you know what you are getting yourself into? Co-signing isn’t necessarily a bad thing,...
View ArticleYour Work Makes You Happier Than You Think
Read in Tagalog While we may think we dislike our work, research shows we’re considerably less happy doing nothing. The great paradox of working for a living, according to a recent longread by Derek...
View ArticleMortgage Chat – Make Money With Your Renovation
Thanks for visiting the Mortgages by Bernadette & Team Blog. Mortgage Chat is a weekly Facebook Live video where we have a chat about what is going on in the world of mortgages. I’ve shared our...
View ArticleFinding the Right Home Without Blowing Your Budget
Read in Tagalog If you have been looking to find the right first home within your budget, it’s a matter of mind over money, here’s some tips from Genworth Financial that will help you keep perspective!...
View ArticleMortgage Chat – How to Pay Off Your Mortgage Faster
Thanks for visiting the Mortgages by Bernadette & Team Blog. Mortgage Chat is a weekly Facebook Live video where we have a chat about what is going on in the world of mortgages. I’ve shared our...
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