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"Smith Manoeuvre" What is it and how can it convert bad debt into good debt?
Is your mortgage just a monthly payment, or could it be the key to unlocking a powerful wealth-building engine? Discover how a...

Tim McCarroll


Easy Money? Costly Fine Print? What is the Home Equity Sharing Agreement (HESA)
Navigating the world of homeownership often feels like a balancing act, especially when unexpected expenses arise. For years, the go-to...

Tim McCarroll


Multi-Generational Family Household Expenses = Boosts You Application's Income
Unlock Your Borrowing Power: How Contributory Income Can Revolutionize Your Mortgage In an ever-evolving Canadian housing market,...

Tim McCarroll


What are Halal Mortgages?
A Comprehensive Guide to Halal Mortgages in Canada: Unlocking Faith-Compliant Homeownership For many Canadian families, the dream of...

Tim McCarroll


Why Banks Aren't Always the Best Choice...
Why Canadian Banks Aren't Always the Best Choice for Your Mortgage The financial landscape is in constant flux, and recent years have...

Tim McCarroll


Mortgage Referrals – Debunking the "Rule of Three" and Maximizing Your Options
For Clients: Your Mortgage Journey, Simplified Navigating the mortgage landscape can feel overwhelming, especially when you're making one...

Tim McCarroll


Canadian Mortgage Rates Plunge on U.S. Tariffs - Feb. 2025
Implications for Homebuyers February 3, 2025 Canadian mortgage rates have plummeted to near 3-year lows in response to the U.S. imposing...

Tim McCarroll


Why Waiting to Buy Could Cost You More: The Hidden Risks of Lower Interest Rates
In today's housing market, characterized by elevated interest rates, prospective homebuyers might question the prudence of purchasing now...

Tim McCarroll


Why Canadian Home Buyers Are Choosing Mortgage Brokers Over Major Banks - The New Standard for Superior Service and Best Rates
In recent years, a remarkable transformation has taken place in the Canadian mortgage market. Home buyers have begun to shift their focus...

Tim McCarroll


The Hidden Cost of "Low-Rate" Mortgages: Why Discount Brokerages Aren't Always a Bargain
Don't Let the Promise of Low Rates Lure You Into a Financial Trap It's tempting to jump at the "lowest rates" advertised by discount...

Tim McCarroll


What is a Bona Fide Sales Clause?
Think Twice Before Falling for "Too-Good-To-Be-True" Rates We all love a good deal, especially when it comes to our mortgages. But...

Tim McCarroll


How Do I Increase My Credit Score?
Mastering Your Credit Score: A Comprehensive Guide for Canadians In today's world, where financial decisions can hinge on a three-digit...

Tim McCarroll


Can You Qualify For A Mortgage After Bankruptcy?
Navigating Mortgage Options After Bankruptcy: A Comprehensive Guide The notion of obtaining a mortgage post-bankruptcy often seems like...

Tim McCarroll


Can I Get A Mortgage With A Consumer Proposal?
Can You Qualify For A Mortgage After A Consumer Proposal? What You Need to Know If you’ve recently filed a consumer proposal, you might...

Tim McCarroll


What is the Difference Between a Refiance and a Mortgage Switch
Determining Whether It's Time to Find a New Lender or Refinance Your Mortgage In the world of Canadian mortgages, terms like...

Tim McCarroll


What Mortgage Amount Can I Afford?
Navigating Homeownership: Determining the Mortgage Amount You Can Afford 2 minute read Embarking on the journey to homeownership is an...

Tim McCarroll


How is Mortgage Interest Calculated?
Demystifying Mortgage Interest: How is it Calculated in Canada? 3 minute read Securing a mortgage is a significant step on the journey to...

Tim McCarroll


Can Mortgage Interest be Deducted at Tax Filing Time?
Unlocking Tax Advantages: Can You Deduct Mortgage Interest in Canada? 2 mintue read For many Canadians, homeownership is not only a...

Tim McCarroll


Are Mortgage Rates Going Down?
Exploring the Future of Mortgage Rates in Canada: Will They Go Down? 2 minute read One of the key factors influencing the real estate...

Tim McCarroll
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