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What are Blended Mortgages? featured image
Table Talk

What are Blended Mortgages?

Blend your mortgage to improve your rate. Many people are inquiring about how to lower their current mortgage costs. Typically, the mortgage penalties you incur to break your mortgage are set up as the greater of three months interest or the value of your Interest Rate Differential. If you’re going to break your mortgage, try…

Using a Home Equity Loan for Debt Consolidation featured image
Table Talk

Using a Home Equity Loan for Debt Consolidation

Have you considered this popular option? The largest debt you will face as a homeowner is your mortgage.  With the right approvals, you can borrow against the equity of your home with a home equity loan. What is a Home Equity Loan? This type of loan is slightly different to a home equity line of…

Typical Lending Criteria For The Self-Employed featured image
Table Talk

Typical Lending Criteria For The Self-Employed

Two things to keep in mind. Most self-employed persons have a more difficult time getting pre-approved for a mortgage. The ideal image of a borrower by most lenders is one who has a stable job and thus a consistent stream of income as part of a regular pay cheque. Self-employed individuals rarely have this luxury….

Should I Rent Or Buy? featured image
Table Talk

Should I Rent Or Buy?

Are you ready to take the leap into homeownership? Weighing out the pros, cons, costs, and considerations is the best way to help you determine if you’re ready for home ownership. Renting Pros Renting is a great first step to living on your own.  Since it lacks long term commitment (most rental agreements are one…

Mortgage Basics: Pre-Approved Vs. Pre-Qualified featured image
Table Talk

Mortgage Basics: Pre-Approved Vs. Pre-Qualified

What’s the diff? There are different stages of the Canadian mortgage rate approval process when you apply for a mortgage and it’s important to know what they are and what they really mean. What is Pre-Qualification? This is the first step of the low mortgage rate approval process where your mortgage broker looks at your total income and debt. …