Plus, my FREE REPORT & resource of the month...

Ultimate Home Buyer Success Kit

Purchasing a home takes time and involves a lot of steps. Since it’s such a huge investment, it’s actually a good thing that buying takes a while. This gives you the opportunity to thoroughly consider all of your choices and make careful decisions.

On average, it can take 4 to 5 months to buy a home, but some variables can lengthen the process significantly. Here’s what’s involved:

• Saving a down payment: This step isn’t included in the 4 to 5 months because it can take years. In an ideal world, you’d save a 20% down payment so you avoid mortgage default insurance (e.g. CMHC). If you’re a first time buyer, you should save at least 5-10%. Only you know how long that will take.

• Getting pre-approved for financing: This takes just few days, but it can save huge time and frustration later on by ensuring you know exactly what you can afford in advance.

• Shopping for a home: Takes 2 to 3 months and includes finding an experienced Realtor who can help you set realistic criteria, provide essential advice and take care of all the details.

• Making an offer and negotiating the best deal: This should only take a few days. One variable here is that you or the seller may request an extended closing period to facilitate the completion of another real estate transaction. If so, this could add another month or more to the process.

• Getting a home inspection: It takes a few days to schedule and complete the inspection. This helps ensure the home is in good condition, and if not, it allows you to negotiate with the seller for repairs.

• Finalizing financing: This can take 1 to 2 months and includes the appraisal, lender review of your financial documents, verifying title, etc.

• Getting home insurance: Plan on spending a few days getting your new home insured.

• Closing: It only takes a few hours to sign all the papers and take possession of the keys to your new home!

1. Use a Realtor who specializes in local waterfront properties. Only an experienced local expert knows which properties are the gems and which are the duds.

2. Buy for the property, not the house. Houses can be renovated, but a bad beach with no privacy and poor access is forever.

3. Keep your lifestyle in mind. If you love lying on the beach, don’t buy a rocky shore. If you love deep sea fishing, don’t buy far from a marina.

4. Get pre-approved. Waterfront properties are more expensive, so you’ll probably need a larger mortgage.

5. Look for a house that can withstand wind and water.

6. Look into insurance. Waterfront homes may carry risks that make insurance expensive or difficult to get.

7. Familiarize yourself with local regulations. For instance, some areas don’t allow docks or seawalls.

8. Talk to neighbors, they can tell you all about the neighborhood and possibly provide insight into the property you’re looking at.

9. Consider utilities. Some rural waterfront properties may lack electricity, drinking water, sewer hookup, internet, etc.

10. Find out if there’s a homeowners association. If so, there may be rules around upkeep and restrictions on some activities.

Today, it’s not uncommon to struggle with the cost of living, but the good news is that there are many easy ways to reduce spending. Here are some proven suggestions:

1. Cut energy consumption. Turn off lights when not in a room, switch to LED bulbs, install a programmable thermostat, wash laundry in cold water, etc.

2. Plan meals in advance. This helps avoid last minute fast food purchases, and it helps repurpose leftovers as lunches.

3. Try not to allocate too much to housing. If you’re spending more than 25% of your take-home pay on housing, you’re house poor. Try to find a cheaper home.

4. Choose reusable. We waste money and resources on single-use items. Stop using single-use water bottles, paper towels, sandwich bags, etc.

5. Avoid expensive brand names. When brand names cost more for the same quality, switch to generic groceries, cleaning supplies, medications, etc.

6. DIY. Instead of buying expensive products, make things yourself, including soaps, laundry detergent, household cleaners, face scrubs, etc.

7. Use less water. Save money on water bills by taking quicker showers, only running the dishwasher when it’s full, shutting off the tap when you’re brushing your teeth, etc.

8. Consider refinancing your mortgage into a shorter amortization. You’ll probably pay higher monthly payments, but over time you’ll save thousands. As your local mortgage specialists, we can see if this is a good option for you.

HOLISTIC HEALTH TIP OF THE MONTH

7 REASONS RASPBERRIES ARE A POWER FOOD

Raspberries are delicious, and guess what? They’re also highly nutritious, whether you buy them fresh in season or frozen. Remember frozen berries are packaged at their peak of ripeness and freshness, so they taste better and have more nutrients than out-of-season berries that endure long distance travel.

Here’s why Raspberries are a Powerfood:

1. Rich in vitamins and minerals. 100grams contain 23 milligrams of vitamin C, which promotes immunity, skin health and fat-burning. Raspberries also contain manganese, calcium, magnesium, copper, iron, potassium, and vitamins K, E and B.

2. Low in sugar. At just 2.7 grams per 100-gram serving, Raspberries are one of the lowest-sugar fruits. 

3. Rich in antioxidants. Eating Raspberries can reduce cell damage and inflammation as we age.

4. Contain cancer-fighting chemicals. The ellagitannins and anthocyanins in raspberries may reduce reproduction of cancer cells.

5. High in fiber. 100 grams of Raspberries provide a third of our minimum daily fiber requirement. Fiber helps with weight control by making us feel full and supports digestive health.

6. Help manage blood sugar. In people at risk of diabetes, eating Raspberries can reduce the amount of insulin needed to manage blood sugar levels.

7. Enhance brain function. The flavonoids in Raspberries help improve coordination, memory and mood. And Raspberries’ antioxidants help reduce the likelihood of Alzheimer’s and Parkinson’s.

Add Raspberries to breakfast cereals, salads, smoothies and sauces for a delicious way to improve your health!

As always, before making major changes to your diet, consult with a health professional.

What do people around the world celebrate on April 22nd?

a) Green Day

b) Earth Day

c) Peace Day

d) Buy Nothing Day

Answer to Last Month's Quiz

March is when tulips often start emerging. This beautiful spring bulb originated as a wildflower in:

a) Central Asia

b) Netherlands

c) New Zealand

d) Central America

ANSWER: a) Central Asia

Congratulations to Nano Needles of Stratford, Ontario for winning last month’s quiz contest! You have won a FREE KEG DINNER for four. Enjoy!

Respond with the correct answer to enter the monthly draw for a FREE Dinner for four.

($100 Value). Winner must like/follow us on Facebook or Instagram plus, share the Winner's Announcement Post to claim their prize... Don't forget to TAG US!

To submit your answer to this month's trivia contest, type your name along with your trivia answer and the current month below.

Winners are announced on our Social Media Platforms. Follow us on Facebook and Instagram to see this month's winners or claim your prize.... It just might be you!

Buying a home is a major investment no matter how you look at it. For many home buyers it’s a lot more expensive than it should be because they fall prey to common and costly mistakes, which results in them either paying too much for the home they want, or losing their dream home altogether. Unfortunate, but true.

As your Mortgage advisor, I’ve prepared an informative home buyer resource entitled, “The Ultimate Home Buyer Success Kit"  --an absolute must for any prudent home buyer. 

Here’s just a portion of what you’ll get in your kit:
• Free Guide: 15 Home Buyer Mistakes and How to Avoid Them
• How to Find Your Dream Home Checklist
• $200 Closing Costs Coupon
• Rolodex of Our First Class Service Providers for All Your Home Buying Needs and much, much more!

As you can see, we have a growing selection of FREE REPORTS that are jam-packed with valuable tips and proven strategies to help you, your friends and family avoid costly financial pitfalls. If you’d like us to rush you one or more of these free reports, please click the link below.

Have you gained value from this newsletter? If so, we want to invite you to “pay it forward” by giving the GIFT of a FREE SUBSCRIPTION to your friends, co-workers, relatives, business acquaintances, etc. Simply fill out the information on the “Subscribe-a-Friend” form at the bottom of this page and we’ll send them a free subscription. As a courtesy to you, we’ll also enclose a special note along with their first issue telling them that you asked us to surprise them with this free gift. And of course, they can contact us any time if they’d like to cancel.  If you’ve been enjoying our newsletter, this is your hassle-free opportunity to share it with the people you care about - for FREE! 

Do you have all the information you need to make an informed decision about buying, selling or refinancing your home? Here are 3 FREE REPORTS that are GUARANTEED to help you make an informed decision on buying, selling or investing in Real Estate.

We are changing the way Canadians get mortgages, and we want to help you too! Click the button below to get started on the path to homeownership!

(519) 755-2446

[email protected]

Plus, my FREE REPORT & resource of the month...

The 27 Home Seller Mistakes

As everyone knows, buying a home is expensive, but what about having a house built? Is that any less expensive? Well, it depends.

We used data from the 2022 Canadian Cost Guide to determine some of the average costs involved in having a house built. Of course, what it would cost YOU may be very different. Here are some of the factors that impact cost:

• Size - The average cost to build a 1,000 square foot single-family house with an unfinished basement, NOT including the land, is $125,000-$200,000 in Calgary. Bump the size up to 3,000sq.ft. and the price is $475,000-$600,000.

• Where - Building costs vary dramatically by city. The average cost to build a 2,000sq.ft. home without a lot in Halifax is $200,000-$240,000. But in Toronto, that same house would cost $330,000-$520,000.

• Lot price - This varies depending on the city, size of the lot and whether it’s vacant. A small lot in Regina might cost less than $15,000, whereas it would cost hundreds of thousands of dollars in Toronto. If you have to tear down an existing house, that could add $15,000-$40,000.

• Type of home - Aside from size, the type of home also impacts price. A 2-story home costs more than a single-story home.

• Builder overhead and profit - Of course, this depends on the builder you choose. You might save some money by contracting all the trades yourself, but there are expenses, risks and a huge investment in time involved in that.

Obviously, there are a lot of things to consider. Before you jump in, get professional help. First, talk to your local Mortgage Specialist to see what you can afford and the best way to finance it. Then consult a Realtor who specializes in new builds to help guide you through the process. We’d be happy to provide financing advice, and we can introduce you to one of our trusted local Realtor partners. Call us today!

Historically, Spring is when homes sell the fastest, but you can make your home sell even faster with these proven tips:

Not only will the right Realtor help you sell faster at a better price, you’ll also get the advice and reassurance you need, as well as the confidence of knowing all the details are being professionally managed.

This can be as easy as power washing the house and driveway, or as impactful as a fresh coat of paint. Make sure your yard looks like the beginning of Spring rather than the end of Winter. Patch brown or bare spots in the lawn, trim shrubs, pull weeds and plant some annuals already in bloom.

Even modest homes become more attractive with a thorough cleaning. Everything has to look, feel and smell clean and fresh.

Make your home look roomier by removing extra furniture and knickknacks. You should also put away kids' drawings and family photos, since most buyers find them distracting and unappealing. If cleaning isn’t enough for the walls, paint them a light, neutral color. Make cabinets look more contemporary with new hardware; this works for the doors in your home, too.

If you’d like free expert advice how to get the best mortgage with the best rates and terms available (with a winning strategy for getting your offer accepted), call us today!

Home affordability is about more than just price. There are two other major factors that help determine whether you can afford to buy the home of your dreams. Here’s what goes into affordability. 

1. Price - This is definitely what gets most of the attention. After a couple of years of pandemic-fueled price jumps, the good news is that prices have now stabilized or even declined a bit. This contributes to home affordability in 2023.

2. Mortgage rates - Central banks moved to curb post-pandemic inflation by rapidly increasing interest rates. This caused mortgage rates to double in some cases, which dramatically raised the cost of financing a home. However, there’s good news here too. As inflation subsides, mortgage rates are starting to come down—again contributing to home affordability in 2023.

3. Wages - As inflation remained stubbornly high, employers started giving wage increases to employees. If your income is now higher, you may find mortgage qualification easier than in the past. So even if house prices and interest rates have risen, your rising income may still make home ownership affordable.

HOLISTIC HEALTH TIP OF THE MONTH

10 TIPS TO REDUCE SPRING ALLERGIES

If you’re an allergy suffer, you might be tempted to spend Spring indoors to avoid those nasty allergens. Here are some simple dietary tips that could help reduce your symptoms so you can get out and enjoy Spring.

1. Drink green tea. Instead of your morning coffee, switch to green tea. It contains natural antihistamines proven to reduce allergic reactions.

2. Stay away from spicy food. Many spices create reactions that are similar to allergies (runny eyes, nose and mouth), so they end up making your symptoms worse.

3. Eat a Mediterranean diet. Beans, whole grains, fish, olive oil, fruits and vegetables are thought to relieve respiratory allergies.

4. Keep your weight down. Studies show that obesity can increase the likelihood of asthmatic attacks.

5. Cut back on salt. It’s thought that reducing salt intake can improve lung function.

6. Eat more tropical fruits. They’re high in bromelain which can help relieve asthma.

7. Eat fatty fish. The omega-3 fatty acids in fatty fish have been proven to reduce allergy symptoms.

8. Add onions to meals. They contain quercetin which reduces the body’s reaction to histamine.

9. Sweeten with local honey. Since local honey contains local pollen, it can help increase your immunity to seasonal allergies.

10. Eat yogurt. The probiotics in yogurt can help reduce the effect of allergens.

As always, before making major changes to your diet, consult with a health professional.

March is when tulips often start emerging. This beautiful spring bulb originated as a wildflower in:

a) Central Asia

b) Netherlands

c) New Zealand

d) Central America

Chocolate is a key ingredient of every Valentine’s Day. Where did cocoa beans originate?

a) Ghana

b) Belgium

c) Latin America

d) Côte d’Ivoire

ANSWER: c) Latin America

Congratulations to Gracie Schreiber of Stoney Creek, Ontario for winning last month’s quiz contest! You have won a FREE KEG DINNER for four. Enjoy!

Respond with the correct answer to enter the monthly draw for a FREE Dinner for four.

($100 Value). Winner must like/follow us on Facebook or Instagram plus, share the Winner's Announcement Post to claim their prize... Don't forget to TAG US!

To submit your answer to this month's trivia contest, type your name along with your trivia answer and the current month below.

Winners are announced on our Social Media Platforms. Follow us on Facebook and Instagram to see this month's winners or claim your prize.... It just might be you!

Since your home is one of your largest assets, selling it is probably one of the most important decisions you will make in your life. Once you've made that decision, you'll want to sell your home for the highest price in the shortest time possible, without compromising your sanity. To accomplish this, it’s important that you do your research so you don’t fall victim to costly mistakes.

With that in mind, I've prepared an informative resource titled, The Ultimate Home Seller's Guide: How to Avoid 27 Costly Mistakes and Sell Your Home Fast at Top Dollar. It reveals the "insider secrets" every home seller needs to know in order to make their home highly desirable, even in a buyer's market.(Actually, I don't know if these are secrets, but I rarely see any home sellers follow this proven formula.) In this guide, you'll learn how to protect and capitalize on your most important investment, reduce stress, attract more qualified buyers and make the most profit in the shortest time possible. Don't even think about selling your home until you've read this important guide. 

Don’t waste another day in financial prison. Get your no-obligation copy of this exclusive report and start enjoying financial freedom today. Request “27 Costly Home Seller Mistakes” by clicking here:  

As you can see, we have a growing selection of FREE REPORTS that are jam-packed with valuable tips and proven strategies to help you, your friends and family avoid costly financial pitfalls. If you’d like us to rush you one or more of these free reports, please click the link below.

Have you gained value from this newsletter? If so, we want to invite you to “pay it forward” by giving the GIFT of a FREE SUBSCRIPTION to your friends, co-workers, relatives, business acquaintances, etc. Simply fill out the information on the “Subscribe-a-Friend” form at the bottom of this page and we’ll send them a free subscription. As a courtesy to you, we’ll also enclose a special note along with their first issue telling them that you asked us to surprise them with this free gift. And of course, they can contact us any time if they’d like to cancel.  If you’ve been enjoying our newsletter, this is your hassle-free opportunity to share it with the people you care about - for FREE! 

Do you have all the information you need to make an informed decision about buying, selling or refinancing your home? Here are 3 FREE REPORTS that are GUARANTEED to help you make an informed decision on buying, selling or investing in Real Estate.

We are changing the way Canadians get mortgages, and we want to help you too! Click the button below to get started on the path to homeownership!

(519) 755-2446

[email protected]

Plus, my FREE REPORT & resource of the month...

Ultimate Homebuyer Success Kit!

It’s easy to tell the housing market is slowing down. All you have to do is listen to the news and talk to friends. But for more official proof, here are 4 of the signs that experts look for before they declare a slowdown in real estate.

1. Growing inventory of homes for sale. With everyone working from home during the pandemic, home sales exploded. This resulted in depleted inventories. But now inventories are growing again, as sales aren’t keeping up with new listings. In November, the sales-to-new listings ratio slipped to 49.9%. That number has remained close to 50% since May, in stark contrast to the long-term average of 55.1%.

2. Slowing sales. With inflation raising home prices, the Bank of Canada raising mortgage rates, and stock valuations down, not as many people are willing to buy a home. Between October and November, MLS home sales fell by 3.3%, more than erasing October’s small gain. About 60% of all local markets saw lower sales in November, led by Greater Vancouver and the Fraser Valley, Edmonton, the Greater Toronto Area (GTA) and Montreal.

3. Prices are falling. With more and more buyers taking a pass on the market due to high mortgage rates, inflation and reduced investment portfolios, sellers are forced to reduce prices. The national average home price was $632,802 in November, which is down 12% from the same month last year. Regionally, prices are down somewhat more in Ontario and parts of BC, while in Calgary, Regina and Saskatoon, home prices are barely off their peaks.

4. Fewer new listings. Prospective sellers are hesitant to enter the market, discouraged by steadily slipping prices and unsure how much more mortgage rates will climb. The number of newly-listed homes edged down 1.3% on a month-over-month basis in November. New listings fell in slightly more than half of local markets.

If you’d like help developing the most cost-effective home purchase strategy for a slowing housing market, call us today!

Lenders take many factors into consideration in setting your mortgage rate. Once you understand how they arrive at your rate, you can take steps to help reduce your borrowing costs. Here are some of the factors lenders consider:

Your credit score predicts how reliable you’ll be in repaying your loan. The higher your score, the lower the mortgage rate you’re likely to qualify for. If your score is too low, start working on improving your credit today.

Providing a larger down payments makes the loan less risky for lenders. So, the larger your down payment, the more options open up for you.  With 20% down or more you will avoid any mortgage insurance fees as well. 

With a fixed rate, you can be confident your rate won’t rise. But you pay a higher rate for that security. With a variable rate, the rate is generally lower, but it can always rise. Make sure you know what you can afford over the long term.

 The amortization is how long you have to repay your loan. Shorter amortizations generally have lower interest rates and lower overall costs, but higher monthly payments. Before you buy, it’s worthwhile to make sure you’re financially capable of paying off your mortgage quickly.

If you’d like free expert advice how to get the best mortgage with the best rates and terms available (with a winning strategy for getting your offer accepted), call us today!

While prices aren’t rising as quickly as they were, they’re still high. But there are ways to fight inflation and those higher prices. Basically, we have to be more strategic in how we spend our money. Here are 5 ways to save money during inflationary times:

1. Make your home more energy efficient. All forms of energy have been rising in price. So now’s the time to cut back on consumption wherever possible. Seal air leaks around windows and doors. Use LED lightbulbs. Set your thermostat lower in the winter and wear a sweater. Unplug electrionics when not in use. 

2. Save on insurance. Shop around for a better rate on homeowner and car insurance. See if it’s worthwhile to raise your deductibles. Discontinue unnecessary coverage. Negotiate a safe driving discount.

3. Reduce fees. Decide whether you really need four or five premium streaming services. Call your Internet and phone providers and see if you can negotiate lower rates. Check if there’s a lower-fee bank account.

4. Save on groceries. Shop at discount stores. Buy generic brands and bulk sizes. Clip coupons and check weekly flyers. Have more meatless meals.

5. Optimize your savings. The upside of higher inflation is higher interest rates on GICs. Now’s the time to lock your money in for the long term, so when inflation finally cools, you’ll still be earning high returns.

HOLISTIC HEALTH TIP OF THE MONTH

BEST FRUITS TO EAT TO STAY HEALTHY THIS WINTER

Eating lots of fruit is a good way to stay healthy any time of year. But some fruits are particularly healthy in winter. Here are the best fruits to add to your winter diet:

• Grapefruit. This delicious citrus fruit begins ripening in January, so it’s currently at its flavorful best. Grapefruit are rich in antioxidants, vitamin C, beta-carotene, fiber, and salicylic acid which can help reduce the symptoms of arthritis.

• Pears. A good source of vitamin C, potassium, vitamin K, copper, magnesium, B vitamins, fiber, as well as flavonoids which help reduce inflammation.

• Pomegranates. Fresh-made juice from a single pomegranate provides 40% of your daily vitamin C requirements. The juice is also rich in antioxidants which can help reduce the symptoms of inflammatory bowel diseases.

• Oranges. Like all citrus fruits, oranges are rich in vitamin C, fiber, folic acid, potassium and calcium. For variety, try mandarins, tangerines, tangelos and clementines.

• Bananas. The potassium in bananas promotes heart and muscle health, as well as helping to maintain a healthy balance of water in cells.

• Cranberries. Aside from vitamin C, cranberries boast high levels of antioxidants which are associated with the prevention of heart disease, inflammation and some cancers.

• Pineapple. Fresh pineapple contains bromelain which is very effective at reducing inflammation. Pineapple also offers vitamins C, A, B6, E and K, as well as calcium, iron and zinc.

Chocolate is a key ingredient in Valentines Day. Where does Cocoa originate?

a. Ghana

b. Belgium

c. Latin America

d. Cote D'Ivoire

What is the name of the Calendar used in most

parts of the world?

a) Gregorian

b) Julian

c) Lunar

d) Alexandrian

ANSWER: a) Gregorian

Congratulations to Kim Greeley of Cambridge, Ontario for winning last month’s quiz contest! You have won a FREE KEG DINNER for four. Enjoy!

The first person to respond with the correct answer will win a FREE Dinner for four!

To submit your answer to this month's trivia contest, type your name along with your trivia answer and the current month below.

Winners are announced on our Social Media Platforms. Follow us on Facebook and Instagram to see this month's winners.... It just might be you!

Buying a home is a major investment no matter how you look at it. But for many home buyers it’s a lot more expensive than it should be because they fall prey to common and costly mistakes, which results in them either paying too much for the home they want, or losing their dream home altogether. Unfortunate but true.

As your mortgage advisor, I’ve prepared an informative home buyer resource entitled, “The Ultimate Home Buyer Success Kit"  --an absolute must for any prudent home buyer. Here’s just a portion of what you’ll get in your kit:

• Free Guide: 15 Home Buyer Mistakes and How to Avoid Them

• How to Find Your Dream Home Checklist

• $200 Closing Costs Coupon

• Rolodex of Our First Class Service Providers for All Your Home Buying Needs and much, much more!

Don’t waste another day in financial prison. Get your no-obligation copy of this exclusive report and start enjoying financial freedom today. Request “The Ultimate Home Buyer Success Kit” by clicking here:  

As you can see, we have a growing selection of FREE REPORTS that are jam-packed with valuable tips and proven strategies to help you, your friends and family avoid costly financial pitfalls. If you’d like us to rush you one or more of these free reports, please click the link below.

Have you gained value from this newsletter? If so, we want to invite you to “pay it forward” by giving the GIFT of a FREE SUBSCRIPTION to your friends, co-workers, relatives, business acquaintances, etc. Simply fill out the information on the “Subscribe-a-Friend” form at the bottom of this page and we’ll send them a free subscription. As a courtesy to you, we’ll also enclose a special note along with their first issue telling them that you asked us to surprise them with this free gift. And of course, they can contact us any time if they’d like to cancel.  If you’ve been enjoying our newsletter, this is your hassle-free opportunity to share it with the people you care about - for FREE! 

Do you have all the information you need to make an informed decision about buying, selling or refinancing your home? Here are 3 FREE REPORTS that are GUARANTEED to help you make an informed decision on buying, selling or investing in Real Estate.

We are changing the way Canadians get mortgages, and we want to help you too! Click the button below to get started on the path to homeownership!

(519) 755-2446

[email protected]

"How to Escape from Financial Prison"

This FREE report offers you the key from financial prison — “How To Escape From Financial Prison” is packed with insider tips on how to manage debt, reduce interest payments and pay off loans fast while still managing to save for the future.

Inside, you’ll learn:

- How to determine how much equity you have in your home.

- How to harness that equity to pay off your expensive credit card debts.

- How to save money by paying off debt at affordable “mortgage rates."

- How to use those savings to start building your financial future!

Plus a limited time EXCLUSIVE OFFER!

Thanks for requesting this important report on smart debt reduction strategies. My name is Nelson and I’m an expert in reducing the cost of your mortgage!

This report is a vital tool for homeowners like you—people who have a good income and pay their bills, but would like to be debt-free and financially secure while they’re still young enough to enjoy it. Regardless of whether your credit is clean and you’re doing fine OR you’ve had some credit problems and you’re struggling, I can help. By showing you how you’re using too much of your money just to service debt, this report will help you turn your financial situation around—and maybe even help you become wealthy!

Even though we live in one of the wealthiest countries in the world, many Canadian homeowners with good incomes end up “imprisoned” by the very bankers and credit card companies who should be helping them. My job is to break you out of that prison by exposing the shocking facts that banks and credit card companies don’t want you to know.

For starters... did you know that the real interest rate on most home mortgages is about 100%?

The fact is that if you pay off your mortgage over 25 years at a 6% interest rate and paying it monthly, you’ll end up paying for your house about two times. On a $150,000.00 mortgage, your bank charges you $139,935.64 in interest! Add that to the $150,000.00 you borrowed and you’ve paid $289,935.64 for that $150,000.00 mortgage.

Your mortgage is only part of this financial scandal. If you have an average amount of credit card debt, the interest you’re paying is equally shocking. Let’s say you buy $2,000.00 worth of home furnishings on a card with 19% interest and you make the minimum 2% monthly payment. At that rate, it’ll take 265 months—over 22 years!—to pay for your furniture, and it will have cost you nearly $4,800.00 in interest! Think about it...how are you ever going to get ahead when you’re paying over THREE TIMES what things are worth?

As I said, I’m an expert in helping you reduce the cost of your mortgage and other debt. I’ve helped countless homeowners just like you to become debt-free in as little as FIVE YEARS. 

How did I do it? Simply by showing them how to change the way they pay their bills and use the value they’ve built up in their home. Ready for me to help you, too? 

Together, we can accomplish any or ALL of these goals:

Refinance your home and CONSOLIDATE your expensive credit card debt and other high interest lines of credit so you save money.

Refinance your home and REDUCE your mortgage rate and monthly payment, so you have more cash.

Refinance your home and PAY OFF your mortgage faster, so you avoid huge interest costs. 

Imagine paying off all your high interest credit cards, reducing your total monthly bills and even having a month with NO bills to pay. Plus, with reduced monthly mortgage payments, you won’t be forced to make the minimum payments on your credit cards. You may even be able to pay off your card in full EVERY month. Suddenly, instead of paying THREE TIMES as much for your purchases, you’ll only be paying the sticker price.

IMAGINE never having to shuffle through your bills to decide which ones get paid and which ones do not.

IMAGINE not having to mail of a dozen cheques each month to all the credit card companies.

IMAGINE having hundreds of extra $$$$ every month to invest so you eventually get wealthy and are free to:

Stop working

Retire early

Start a business

The only way to achieve such goals is to start investing 15% of your income. And the only way you can afford to do that is to stop spending so much of your income just servicing high interest debts! You can start making this happen today, and I can show you how!

If you’re hesitant to think about refinancing your home, that’s perfectly understandable. You’ve probably heard it takes too much time, too much paperwork, too much frustration and too much face time with bankers—the folks who got you into this mess in the first place!

Let me put your mind at ease and I’ll take care of it for you so refinancing your home is quick, easy, painless and EXTREMELY worthwhile.

Here is the story of one of the persons I have helped recently:

“The rate on our variable rate mortgage jumped, which caused our monthly payments to rise by over $200. Even though we have a good income, the higher mortgage payments plus all our credit card bills left us with practically nothing at the end of the month. Thank you so much for refinancing our mortgage at a lower rate and consolidating our car loan and other expensive debts! We ended up paying over $300 LESS in total monthly payments which allowed us to SAVE for the first time in our lives. We now have almost $4,000 a year to invest for retirement and our kids education. On top of all that, we have received nearly $8,000 cash back when we refinanced. This has let us do a few renovations and increase the value of our home. Overnight, you transformed our financial situation! 

"Why wouldn’t everyone consider this?”

I’m here to tell you that smart mortgage refinancing IS the better way. Since I don’t work for a bank or credit card company, I’m free to tell you the truth and I’ll also help you turn the tables on the banks. I use my years of experience to analyze your financial situation and customize a mortgage refinance strategy to fit your needs. Then, instead of forcing you to fit into some basic off-the-shelf mortgage, I’ll choose exactly the mortgage you need from the hundreds I have access to. Within a matter of days, I can start putting thousands of dollars back into your cash flow.

In July 2008 alone, the number of bankruptcies filed in Canada was 7,908.

In Canada, Tax Freedom Day is June 14. This means the average Canadian works the first 165 days of the year just to pay taxes. Then, it’s estimated that we keep working until October (or later) just to pay interest on debt and bills. Over the past 10 years, the average household debt in Canada has grown by 80% or $270 billion. 

- (Source: Office of the Superintendent of Bankruptcy Canada)

- (Source: Fraser Institute)

- (Source: Focus on The Family website)

Nobody likes to think they’ll spend their Golden Years in poverty, but consider this: the average savings of a retired couple is only $7,000!

The average Canadian now spends 15% of take home pay to service debt. Remember, that money isn’t being used to pay the debt off, it’s just keeping up the interest payments! (Source: Focus on The Family website)

By making the minimum payments on a $4,000 credit card balance, it’ll take almost 42 YEARS and over $14,000 to pay it off!

If you cut the cost of servicing your debt in half and invested the money you saved at 8%, you could have over $1MILLION for retirement in 25 or 30 years! In other words, you can become a millionaire without working harder, changing careers, taking risks or winning the lottery.

All you have to do is talk to me about re-engineering your debt today. Here is what’s involved:

Setting you free from credit card debt imprisonment NOW.

Setting up a proven plan to help you become debt-free FASTER. 

Replacing all of your high interest bills with a SINGLE, lower interest monthly payment. 

Finding you the lowest available mortgage rate—even if you save a single percentage point on your refinance, you could end up saving tens of thousands of dollars!

I can help you avoid ALL of these incredibly expensive pitfalls that the banks and credit card companies have put in your way.

1. How much equity is REALLY in your home. You certainly can’t trust a banker to tell you this, and even if they did, different lenders use different ways to figure out how much you can borrow on your home. They’ll try to make it as confusing as possible. In reality, you’ve likely built up more equity value than you think. Since I have access to the latest ways to measure borrowing power, I can tell you exactly how much money is available.

2. How “young” mortgages can be refinanced cost-effectively. Even if you recently purchased your home or refinanced your mortgage, refinancing may still be a practical option. Every case is different. Once I’ve examined your situation, your lender and your mortgage, I’ll be able to determine if it makes dollars and cents to refinance now. And if it turns out you’re better off to leave things the way they are, you can trust me to tell you that too!

3. How advertised mortgages may not be as good as they sound. You see fabulous rates advertised everywhere, but remember “buyer beware." Some banks use bait and switch tactics. They’ll advertise a very low rate, but the loan is so hard to qualify for that 80% of applicants get turned down. Once you’ve been declined, they’ll come to the rescue with a last minute alternative. By then, you’ve gone through so much effort, they’re pretty confident you’ll accept it—even though it’s a much higher rate and doesn’t have the features you need. Another ploy is offering mortgages that sound great UNTIL you read the fine print, which most people don’t because it’s almost impossible to understand. Instead of putting you through all of this, I don’t start with a flashy offer. I start by sitting down, talking to you, finding out about your needs and situation, then craft a smart refinancing plan that achieves the goals that are important to you.

4. How cost-effective refinancing really is. Refinancing usually involves some costs, but I won’t recommend it for you unless any costs are more than outweighed by HUGE savings. If refinancing cuts your interest rate, pays off high interest debts and reduces your monthly payments, it’s definitely not expensive. I’ll sit down with you, examine all the factors and come up with a smart refinance strategy that will vastly improve your long-term financial situation.

5. How “bad” credit can be overcome. Just because you’ve had credit challenges doesn’t mean you can’t qualify for refinancing. I have access to specialized mortgages that only look at your most recent twelve months of credit behavior, so even if you had some problems a couple of years ago, you’re still likely to qualify. Some mortgage programs can even qualify people who’ve had past or even recent bankruptcies. Unlike your bank, I have access to the right mortgages and am willing to do whatever it takes. As long as you’re an employed or self-employed homeowner, I’ll offer you a plan you CAN qualify for. Of course, if you have good credit, that makes our job even easier. But there’s no reason to feel trapped because you’ve had credit issues. I’ll make sure you get the refinancing you need so you can start saving money today!

6. How other refinancing sources can actually cost LESS than banks. It only makes sense that your bank will tell you that refinancing is way more expensive elsewhere. But the truth is refinancing at a bank can cost you as much as $50,000 MORE! That’s because the big banks and mortgage lenders rarely offer the best rates and terms. I have access to dozens of specialized lenders with hundreds of different refinancing plans to choose from. With all that choice, I can shop for the very best rate, most attractive terms, and best overall deal. And since I don’t work for the bank, I’m free to offer what’s best for you NOT what’s best for them. I’ll customize the best possible mortgage for you and do everything I can to get quick approval. Plus, I’ll never ask for an upfront fee. My costs are either paid by the lender or deducted from the loan so there’s never any out-of-pocket expense for you. I’ll fully disclose everything to you in advance, and I won’t charge a penny if I can’t get you the loan you need. 

7. How bankers don’t actually know much about mortgages. Stop for a minute and consider all the things your banker handles in a day: chequing accounts, savings accounts, commercial accounts, investments, insurance—oops, I almost forgot mortgages. Unfortunately, that’s the sad truth. With all those other products on their minds, bankers really give very little time and attention to mortgages. On the other hand, I’m a mortgage specialist. Mortgages are the one and only product I sell. Once you realize how much money can be wasted with the wrong mortgage or refinancing strategy, you’ll soon see the wisdom of dealing with a specialist.

8. How refinancing to pay off bills DOESN’T put your home at risk. Actually, the bigger risk is doing nothing and letting your bills get out of control. Then if something unexpectedly interrupts your income—like job loss, illness or accident—your home really IS at risk. Besides, a bank or mortgage lender isn’t the only one who can put a lien on your home. Just about any unpaid creditor—like the ones whose bills arrive every month—can do that. The best way to eliminate the risk of losing your home is to minimize debt, reduce monthly payments, build up savings and start investing. And the best way to do that is with a smart refinancing strategy.

9. How refinancing doesn’t have to be painful. OK, I hear you saying, “Ya but I don’t want to go through all of that effort and then get turned down.” Of course you don’t. So here’s what I’ll do to make everything a little easier:

    a) I GUARANTEE there’s a refinancing plan that will fit you and your needs. If I can’t offer you a mortgage that’s in your best financial interest and that you understand and want to qualify for, I’ll treat you and your spouse to a FREE dinner at a local restaurant of your choice. I do not want to disappoint or inconvenience you, so I’m putting my money where my mouth is. Ever hear of a banker doing that?

    b) I GUARANTEE you’ll be treated well. Everyone on my team is a specialist in mortgage lending with many years of experience. Unlike the banks, we see you as a person, not a number. We treat you with the courtesy, understanding, dignity and professionalism you deserve. We understand how intimidating it can be to share personal and financial information with strangers, so we respect and protect your privacy every step of the way. Our expert, unbiased assistance will help you move many steps closer to achieving your financial goals.

    c) I GUARANTEE it will be easy. We will streamline everything for you. In most cases, we’ll only request you to provide three documents; ask fewer than ten questions; handle everything by phone, email, fax and mail; and wrap up your approval within ten days!

10. How sometimes even things that sound too good to be true really are TRUE! I don’t blame you for thinking that smart mortgage refinancing sounds too good to be true. How could you possibly reduce debt, increase cash flow and pay off your mortgage quicker by refinancing? It sounds like you’re creating money out of nothing at all! In reality, strategic refinancing creates money by stopping waste. Instead of throwing money away on ridiculously expensive credit card and mortgage rates, strategic refinancing uses the money you already have to build a better future. If this claim was false, I couldn’t stay in business. I’m licensed by the province and required to provide complete disclosure so you understand everything I offer. And as I said, I’m so confident you’ll like my service, I guarantee it. With a business that depends on referrals, I couldn’t exist without keeping my customers satisfied. Most of my best customers are referred by other satisfied customers. Sometimes one client will refer half a dozen relatives, neighbors, and friends. So yes, what I’m claiming about refinancing really is true!

The banks and credit card companies have been keeping the truth from you all of these years because they want to keep earning huge profits from you. Once I’ve introduced you to smart refinancing, I too want to keep you as a customer for life. But, unlike the banks and credit card companies, I’m prepared to EARN your business. Instead of keeping you in debt, I’m going to do everything I can to save you money and get you on a better financial footing. Every time you come back to me, I’ll EARN your trust all over again by meeting and exceeding your expectations.

Take this brief quiz. If you answer yes to more than two of the questions, I’m 100% confident that I can EARN your business! 

Do you frequently make minimum payments or pay less than the full balance on credit cards? Yes __No __

Do you need money to put children through university, pay off back taxes, etc.? Yes __No __

Are you missing out on tax-deductible savings opportunities like pension plans, RESPs, RRSPs, RIFs, etc. because you don’t have enough money left over after paying bills? Yes __No __

Would you like to retire early and live off of your investments? Yes __No __

Do you put aside LESS than 15% of your income for savings? Yes __No __

Would you like to lower your monthly payments? Yes __No __

Would you like to be debt-free? Yes__No__

If you answered yes to more than one of the above questions, you’re a strong candidate for smart mortgage refinancing. Your quiz results make it clear that you can achieve your financial goals by re-engineering your debt, interest and monthly payments. The only question is when do you want to start?

Please don’t spend another month sending WAY TOO MUCH of your hard-earned money to banks and credit card companies. I can help you get completely out of debt—including your mortgage—in as little as 5-7 years so you can quickly and safely build wealth. But it’s only going to happen if we start TODAY.

Every day you continue overpaying interest on your debts, you make it that much harder to get ahead. But you don’t have to work harder. All you have to do is make your money work smarter. Taking action today can have an enormous impact on what your life is like 10 or 20 years down the road. 

I want to do my best to HELP, so I have a very special LIMITED TIME OFFER for you....

"Nelson has been exceptional in helping me with my financial goals, he’s thorough, has your interest at heart, and an absolute joy to work with."

Brendon U

5 STAR REVIEW

"Great Experience!!

I contacted Nelson with some mortgage questions. Nelson was very easy to talk to. He also was very knowledgeable about the market and where it could be heading. I would definitely recommend Nelson to friends."

Tim R

5 STAR REVIEW

"Nelson is very knowledgeable, professional and very dedicated to his work. I will be recommending him to others in the future!"

Nano N

5 STAR REVIEW

We are changing the way Canadians get mortgages, and we want to help you too! Click the button below to get started on the path to homeownership!

(519) 755-2446

[email protected]

Adding Value to your Life with News, Tips & Entertainment

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How To Escape Debt Prison!

When you’re selling your home, you want buyers to love it as much as you did. So you may be tempted to tell them all sorts of interesting stories about living there. Unfortunately, some of your stories may actually reduce your chances of getting the best price. That’s why it’s a huge advantage to work with a local real estate professional who can handle all contact with buyers. 

1. Don’t attend open houses. Some buyers may find this awkward and off-putting.

2. Don’t talk to or correspond with buyers. Again, leave this to your Realtor. You may inadvertently say something that buyers could see as negative. Also, it’s best for you not to know anything at all about potential buyers, in case they later claim they lost the deal due to being a member of a marginalized group.

3. Don’t tell neighbors and friends how negotiable you are. Motivated buyers may ask around and use this information to make a very low offer.

4. Don’t tell anyone how desperate you are to sell quickly. Again, buyers could use this information to get a lower price.

5. Don’t share why you’re selling the home, especially if it’s being sold as-as. This is information that can reduce your negotiating power.

6. Don’t tell anyone how many buyers have toured your home or how many offers you’ve received. If your numbers are low, this can potentially cause buyers to make a lowball offer.

7. Don’t share your financial situation. If buyers find out you’re having difficulty, they may offer less. Even if they hear you’re wealthy, they may still offer less, assuming you’re not concerned about a few thousand dollars.

8. Don’t knowingly misrepresent your property. Provide your Realtor with any information you’re legally required to disclose. It’s essential to have a Realtor who can guide you through all the legal requirements.

Your home is a big investment, so make sure you protect it with regular maintenance. By taking the steps on this checklist, you can help preserve your home’s resale value, safety, energy efficiency, comfort, and curb appeal. Here’s what to do over the next 3 months:

 Take down and store holiday lighting and decorations.

 Check for and remove ice dams on eaves troughs.

 Clean the filter on your stove exhaust fan, vacuum your dryer vents, clean or replace furnace filters

 Update your possession inventory for insurance purpos

 Inspect all exposed pipes around sinks, hot water heaters, etc. If you find a leak, get it fixed immediately

 Do any required interior painting and touch-ups on walls and doors.

 Lubricate hinges, locks and door handles.

 Inspect caulking around showers and bathtubs. Repair as needed.

 Clean or vacuum curtains and blinds.

 Clean blades of ceiling fans.

 Test smoke and carbon monoxide detectors. Replace batteries.

 Inspect roof for missing or damaged shingles.

 Inspect caulking around windows and doors, and replace if necessary..

 In some climates, start refreshing your landscaping. Add mulch, plant perennials, reseed bare spots in the lawn, and start pruning shrubs and trees.

 Declutter your closets and spare rooms.

 Clean the winter dirt out of your garage, and get gardening tools organized.

 Get your air conditioner serviced for spring and summer

Investing in real estate can be a great way to earn extra revenue. But buying a property and renting it out yourself can be a lot of work. On the other hand, when all or part of the property is rented through Airbnb, things can be easier. Here are some pros and cons of renting through Airbnb: 

• An Airbnb rental can be more profitable than a self-managed property. This is because you’re charging “hotel rates” per night instead of a monthly rental. BUT it’s only more profitable in high-demand areas, like San Francisco or Vancouver, where you can charge high rates and vacancies are low. In less popular cities, the nightly rate will be less and vacancies higher, so profits will be limited.

• Airbnb charges renters a maintenance fee, so owners may save on repair costs.BUT unlike a monthly rental, you have to furnish and decorate the property, and include utilities and streaming services. Plus, your insurance will be higher.

• During the pandemic, Airbnb cabins and cottages in rural areas did very well. BUT most urban locations had very high vacancies.

• You can own and manage an Airbnb property without living nearby. BUT you’ll probably need to hire a manager to make sure the property and guests are well taken care of.

If you’d like to meet a Realtor who can help you buy an Airbnb-ready property, call us today.

• RSV(respiratory syncytial virus). This common and highly contagious respiratory virus causes cold-like symptoms, mostly in children and the elderly. Due to Covid precautions, many kids have never been exposed to RSV, so large numbers are now getting infected. Even though there’s currently no RSV vaccine, effective treatment is available. The problem is there’s such a volume of kids with RSV, some hospitals have become over-crowded.

• Seasonal flu. Like RSV, Covid precautions prevented us from getting the flu over the past few years, therefore many more people are getting sick now.

• Covid-19. Covid is still hanging on, partly because many of us have stopped taking precautions

The good news is that we already know how to prevent ourselves from getting sick with the tripledemics. Since Covid is spread primarily through respiratory droplets, it’s important to wear a mask, stay well back from people who are infected, and of course, get vaccinated. But RSV tends to spread through contaminated surfaces, so frequent hand washing and sanitizing are key precautions. Seasonal flu spreads both through respiratory droplets AND contaminated surfaces, so it’s important to wear masks, regularly clean surfaces, and of course, get a flu shot. Bottom line: the best way to prevent spreading the tripledemic is to stay away from sick people, and stay home when you’re feeling sick yourself.

As we prepare to celebrate a New Year, what is the name of the calendar used in most parts of the world?

a. Gregorian

b. Julian

c. Lunar

d. Alexandrian

In “How the Grinch Stole Christmas!”, what is the name of the town that the Grinch visits?

a) Crumpitville

b) Howville

c) Grinchville

d) Whoville

ANSWER: d) Whoville

Congratulations to Sarah and Dan Penner of North Vancouver for winning last month’s quiz contest! They have won a FREE dinner for themselves and another couple at the Salmon House in West Vancouver. Enjoy!

The first person to respond with the correct answer will win a FREE Dinner for themselves and another guest couple of their choice!  (Limit of one Trivia Prize per year)

To submit your answer, visit https://gocanadianmortgage.com/contact/ 

Yes, it’s true: most of us are imprisoned by our debt. Bankers and credit card companies keep us locked up in financial prison by charging HUGE interest rates on debt that we have little chance of ever paying off. 

For example, when you include the total interest accumulated on a mortgage, you end up paying two or three times what the home was worth. There’s no way the average person can get out from under that kind of debt! 

But as your local mortgage expert, I offer you the key to that financial prison—in the form of a special FREE report. “How To Escape From Financial Prison” is packed with insider tips on how to manage debt, reduce interest payments and pay off loans fast while still managing to save for the future.

Inside, you’ll learn:

 How to determine how much equity you have in your home.

 How to harness that equity to pay off your expensive credit card debts.

 How to save money by paying off debt at affordable “mortgage rates”.

 How to use those savings to start building your financial future!

Don’t waste another day in financial prison. Get your no-obligation copy of this exclusive report, and start enjoying financial freedom today. Request “How To Escape From Financial Prison” by clicking here:  

As you can see, we’ve got a growing selection of FREE REPORT that are jam-packed with valuable tips and proven strategies to help you and your friends and family avoid costly financial pitfalls. If you’d like us to rush you one or more of these free reports, please fill out the reply form below and submit it by fax: 1-800-XXX-XXXX or snail mail it to: 123 any street, any town, any province, postal code.

Have you gained value from this newsletter? If so, we want to invite you to “pay it forward” by giving the GIFT of a FREE SUBSCRIPTION to your friends, co-workers, relatives, business acquaintances, etc. Simply fill out the info on the “Subscribe-a-Friend” form at the bottom of this page, and we’ll send them a free subscription. As a courtesy to you, we’ll also enclose a special note along with their first issue telling them that you asked us to surprise them with this free gift. And of course, they can contact us any time if they’d like to cancel.  If you’ve been enjoying our newsletter, this is your hassle-free opportunity to share it with the people you care about - for FREE! 

Do You Have All the Information You Need To Make An Informed Decision About Buying, Selling, or Refinancing Your Home?

[  ] YES! Please send the FREE Report(s) I’ve selected below: To Get Your Free Copy of Any Of These Reports Simply choose the ones you want and click the link above to REQUEST YOUR REPORT.

Message us 'Get Reports' with the names of the reports you would like to receive.

[   ] “How to Build Wealth with Flipping Houses"

[   ] “The Complete Guide to Mastering Your Credit Score”

[   ] “The Ultimate Guide to Saving” 

[  ] YES! I’d like your trusted advice and counsel about:

Message us 'Mortgage Advice' and let us know what you are looking for.

__ Getting a Mortgage   

__ Refinancing 

__ Other

Your Contact Information:

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[  ] YES! Please give the following people a FREE subscription to your monthly newsletter. I understand you’ll enclose a special note informing them that I asked you to surprise them with this free gift, and that all they have to do is contact you if they wish to cancel.

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Remember to submit your Quiz answers to win a FREE dinner! 

We are changing the way Canadians get mortgages, and we want to help you too! Click the button below to get started on the path to homeownership!

(519) 755-2446

[email protected]

PARTS FIVE AND SIX OF A SIXTEEN PART SERIES AND THE INVESTMENT STRATEGIES TO MAKE IT HAPPEN

Welcome to Parts Five and Six of our SIXTEEN part series, "Becoming a Success in Real Estate". We are sharing the SIXTEEN proven strategies that you can use to build your business and become a real estate success.

In the last part of this series we discussed Short & Long Term Buys. If you missed it, or any other part of the series, click here to catch up: https://gocanadianmortgage.com/blog/

In parts Five and Six of our sixteen part series, Becoming a Success in Real Estate; we will have a look at House Hacking & Living in the Rent

That's one great way for beginners in real estate to get the wheels of their venture turning and also gain some entrepreneurial confidence.

All you'd need is a home with some extra rentable space that you can let out to prospective tenants. Needless to say, this line of real estate works best with a duplex, triplex, fourplex, or a property that has a livable basement or garage.

So, while you'll be living in your primary residence, the returns from its rented parts will cover your mortgage, and you can possibly even make profits on it.

This real estate plan is slightly different from the house hacking option in that you convert your primary residence into a rental but move out to settle in another home yourself.

This strategy works perfectly for those investors who find it difficult to put together the necessary capital to own a rental.

The process is simple. You buy a house, live in it for a few years, prepare it for a rental, let out. In this way, you can benefit from the appreciation in value and use refinancing to take out some equity and buy your primary home somewhere else.

Even though financing for a primary residences are easier than investment properties and both of these methods allow you to check on (and maintain) the property more easily, there is a slight warning!

Always be sure to familiarize yourself with the local laws before you move along with either of these strategies. The legal ability to rent out part, or all of your property, may come with conditions. 

Deciding if you want to house hack or live in the rent is a decision that needs to be made by each individual. Having said that, the track records on both of these methods of real estate investing are solid.

Millionaires have been made and many were able to fund their start with NONE of their own money! Want to find out how?

If you have any questions or would like to schedule a phone call, you can schedule one directly here: https://gocanadianmortgage.com/book-now/   

Find the rest of this 16 part series and our blogs here; https://gocanadianmortgage.com/blog/

Plus...

Don't forget to keep on eye out for our post, the seventh part of our series, and  One of the most lucrative ways to succeed in real estate; Becoming A Success in Real Estate - The Brrrr Method.

We are changing the way Canadians get mortgages, and we want to help you too! Click the button below to get started on the path to homeownership!

(519) 755-2446

[email protected]