Financial Freedom: How The Rich Get Richer

General Lynda Thai-Baird 1 Nov

What does financial freedom mean to you? It’s a question that might elicit a wide range of responses, and that’s the beauty of it – financial freedom is a deeply personal concept. For some, it’s the dream of retiring early, spending endless days on the beach, cherishing time with grandchildren, or perfecting their golf swing. […]

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Mortgage Applications: How Lenders Review and Calculate Your Income

General Lynda Thai-Baird 16 Oct

Navigating the complex world of mortgage applications can be an intimidating journey for anyone. Whether you are a first-time homebuyer, renewing your mortgage, or exploring options for investments or refinancing, understanding how lenders assess and calculate your income is pivotal. As a Mortgage Broker with access to a diverse range of lenders, each with its […]

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Is Investing in 2023 a Risk Worth Taking?

General Lynda Thai-Baird 22 Sep

The real estate market in 2023 has undergone significant changes, primarily due to the rapid surge in interest rates. Just a few years ago, we were quoting insured rates as low as 1.30%, but today, interest rates are hovering around 5.54% or even higher, depending on lenders and type of purchase. This sharp increase in […]

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Self-Employed Mortgage Solutions: Maximizing Tax Savings

General Lynda Thai-Baird 1 Aug

For self-employed individuals, obtaining a mortgage can be a daunting task due to the complexities involved in verifying their income. Traditional lenders often require extensive documentation, making it difficult for these entrepreneurs to qualify for standard mortgages. However, the Canadian mortgage broker industry offers several tailored solutions to help self-employed individuals achieve their dream of […]

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How Technology Transforms Your Mortgage Experience

General Lynda Thai-Baird 17 Jul

In the hustle and bustle of today’s world, we understand that time is precious, and convenience is key. If you’re searching for a new home, thinking about refinancing or approaching renewal, we’ve got great news for you. Thanks to advanced technology, your mortgage journey is about to become a whole lot easier. As a homebuyer, […]

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Navigating Uncertain Times: Why You Need a Mortgage Broker

General Lynda Thai-Baird 4 Jul

Inflation has become a pressing concern in Canada, causing anxiety among businesses, consumers, and policymakers. The rising prices of everyday items, like groceries and gasoline, have left many Canadians feeling the strain of this broad-based inflation. As we face these uncertain times, it is crucial to understand the implications and seek guidance to protect our […]

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Did you get your mortgage in 2020? Pay close attention to your renewal date.

General Lynda Thai-Baird 16 Jun

The Canadian housing market experienced an unprecedented boom in 2020, marked by record-breaking sales across the country. While this surge in real estate activity brought joy to homeowners and investors, it also set the stage for a potential payment shock for mortgage holders in the coming years. As we approach 2025, the consequences of those […]

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Why Exploring Your Options for Mortgage Renewal Can Save You Thousands

General Lynda Thai-Baird 1 May

Renegotiating your mortgage at renewal time is an excellent way to save money and ensure that you have the best mortgage product for your financial situation. “51% of Canadian homeowners don’t plan on changing lenders when their mortgage comes up for renewal — and 9% weren’t even aware that they could switch lenders to get […]

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