Calgary and Edmonton Alberta Mortgage Refinancing, Alternative Mortgages, Self-Employed & Private Mortgages

First Time Home Buyers

10 Essential Tips for Taking Out Your First Mortgage

Taking out your first mortgage presents a major financial commitment, possibly the biggest one you’ll ever make, so it’s crucial that you get the best deal available. Getting a mortgage is often not a quick and straightforward process either, particularly since the options available to you will vary depending on factors such as your income, […]

Financing

Why You Need an Emergency Fund And How to Get One

Building an emergency fund is something most people know they should do but few actually get around to doing. A recent study found that nearly two-thirds of Americans did not have an emergency fund, and more than half would have trouble coming up with $1,000 on short notice. That lack of savings puts them at

Financing

Strategies to Dig Yourself Out of the Debt Hole

Debt. It’s something almost everyone will have at some point in their life. But what happens when your debt begins to get the better of you? What options are available? Some simple strategies can help you get your debt out of a seemingly unmanageable situation; it’s just a matter of choosing the right one for

Financing

Should You Refinance Your Mortgage?

There are a multitude of reasons why a homeowner may be considering refinancing their mortgage. However, before any final decisions are made it is always a good idea to consider carefully whether refinancing is a good idea for you. What is refinancing? To refinance means to apply for a new loan on your current mortgage.

Financing

A Six-Step, Back to Basics Financial Plan for Most Every Canadian

It’s a tough time to know what the right financial move is at the moment. Interest rates are increasing, while stocks are in bearish territory. It’s easy to forget that there are smart things that you can do right now regardless of the uncertainty. 1. Get rid of your high-interest debt.Do you have any debt

Financing

Bank Of Canada Rate Update June 7, 2023

Bank of Canada raises policy rate 25 basis points, continues quantitative tightening The Bank of Canada today increased its target for the overnight rate to 4.75%, with the Bank Rate at 5% and the deposit rate at 4.75%. The Bank is also continuing its policy of quantitative tightening. Globally, consumer price inflation is coming down,

Financing

Tips for Improving Your Credit Score Before Applying for a Mortgage

For many people, buying a home is a significant milestone in their lives. However, getting approved for a mortgage isn’t always a straightforward process. One of the most critical factors that lenders consider when evaluating your mortgage application is your credit score. A higher credit score can help you secure a better interest rate and

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