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Signs You Should Consider a Debt Consolidation Mortgage

May 4, 2016

Many homeowners turn to a debt consolidation mortgage as a way to get a grip on their finances. Many home owners find themselves with accumulating everyday debts until it gets to the point where the minimum payments become overwhelming to maintain for long periods of time. A debt consolidation mortgage is an excellent tool to consolidate your unsecured debts into your mortgage. This strategy ultimately lowers your monthly debt repayment and increases your monthly cash flow. Since the interest rates on mortgages are at an all-time low, especially when compared to credit cards, a debt consolidation mortgage can significantly lower … Continue Reading

Applying for a Mortgage with Bruised Credit: Tips from the Experts

April 20, 2016

The actual process of applying for a mortgage doesn’t change if you have poor or bruised credit, but the source of the funds and the requirements to obtain the mortgage does. The banks weight heavily on credit, as credit history is the only real determinant of loan repayment… and timely repayment at that. Unfortunately, we can confidently say that with bruised credit, applying for a mortgage will change in the following way: Since the banks weigh so heavily on credit, credit scores are amongst the most important part in determining their risk factor in investing in your purchase. Therefore, the … Continue Reading

Canadian Mortgage Services’ First Time Home Buyer Checklist

March 30, 2016

Checklists aren’t just for picking up groceries… checklists are great for keeping you on track and on target for any process that involves many steps. A first time home buyer checklist is the most beneficial tool to get you through the home buying experience. Now, combine that checklist with a mortgage broker’s expertise and guidance, and you’ll breeze through the process with as little stress as possible. Canadian Mortgage Services has developed this first time home buyer checklist to help you plan and organize your first purchase:   1. Have you spoken to a broker? Speak to a broker about … Continue Reading

How Does the Mortgage Renewal Process Work?

March 16, 2016

The mortgage renewal process is usually the easiest and least stressful type of mortgage experience that home owners will encounter. The mortgage renewal process is typically initiated by the lender who holds their current mortgage. Unless the home owner has been proactively inquiring about the upcoming renewal for their mortgage, a customer service representative from the bank/institution would initiate first contact. This can be in the form of a courtesy phone call or the actual mortgage renewal offer sent in the mail. If you had arranged your mortgage through a mortgage broker, they will also usually reach out to you … Continue Reading

Tips for Choosing the Right Investment Property Mortgage

March 2, 2016

Properties are one of the best investment options to include in your portfolio. When it comes to investment property mortgage, the type of mortgage you choose should reflect your short term and long term investment goals. The goals you have for your investment future will help you decide on the property, location, amount of down payment and term of the mortgage to take on. In Ontario, the minimum down payment required to obtain an investment property mortgage is 20%. This amount can be leveraged against your existing home that you own by doing equity take out, or it can certainly … Continue Reading

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