When I last left off, I was speaking about how Donna Thornton of DLC Beamsville was putting together a large community event to help support Bullying Ends Here. I really had no idea exactly what I was in for BUT it was SPECTACULAR. For starters, Donna arranged for me to speak to their junior high […]

Sometimes “life happens”, and when it does, your home can be your savior if you have accrued some equity in it. Maybe you’ve been out of work, run up your credit cards and driven your credit rating into the ground. Perhaps, you’ve decided to leave the job you hate and venture out into the world […]

You’re likely asking yourself, what is the dilemma that self-employed workers face? Well, with more and more Canadians joining the ranks of the self-employment every year, one has to ask themselves how they are going to tackle the age old question, how much does one write off vs how much income does one claim on […]

If you are considering building a new home, then you need to be educated on the difference between draw and completion mortgages. When you meet with a builder, there is tons of terminology and information you should be aware of so you are properly covered. Completion mortgage means that the builder does not expect any funds until […]

Because the top secret formula has never been released there are common myths that are floating around about the ones credit score, here are the top 5. 1. Too Many Credit Cards Will Hurt My Credit Score Actually, cancelling healthy active cards or accounts hurts more as all of the payment history is lost along […]

I continue to hear from my clients that their own bank or credit union is stating they HAVE to purchase life and disability insurance in order to be approved for their mortgage. This is called tied selling. “ Tied selling is when a financial institution requires a client to transact other business with the same […]

Short Version There are no changes to the first-time home buyer exemption limits (with the exception of point #2 which includes first time buyers). All buyers (first-time buyers and repeat buyers) are now exempt from PTT on purchases of NEW homes up to $750,000 in value (think properties on which GST is being charged). Note: […]

Home renovation shows are very popular today and are one of our favorite shows to watch. These shows are not only entertaining but tend to lead you to think how easy and quickly is to renovate your home. And we know that viewers enjoy the shows more when they are filmed in Canada as you […]

The two most frequently asked questions I get are: 1. What are your best rates? 2. What is the difference between fixed and variable rates? Question #1 is actually more complicated than question #2. Why? Because rates are not the only thing you should be looking at when deciding what mortgage product to contract to. Recently, a […]

Hello again my Friends. Always a pleasure to update you on the happenings of Bullying Ends Here. The last month has really been focused on presentations and the outreach to our youth. The emails continue to come in and compliments made. The opportunities continue to grow for us as well. As always, there is much […]