First Time Homebuyer Incentive   https://www.placetocallhome.ca/fthbi/first-time-homebuyer-incentive

Examining No-Frills  Mortgage Products While No-Frills mortgage products typically offer a lower – or more discounted – interest rate when compared with many other available products, the lower rate is really their only perk. This type of product will only seem ideal for you if you have no plans to take advantage of benefits that will help you pay off your mortgage faster – such as pre-payment privileges including lump-sum payments. Essentially, this product is only ideal for: first-time homebuyers who want fixed payments and have limited opportunities to make lump-sum payments during the first five years of their mortgage; and…

Good News! BOC holds overnight Rate at 1.75% http://bit.ly/2Yw0q7L  

Beware of Mortgage or Title Fraud In a time where identity theft and Ponzi schemes are plastered across the news, the last thing you want to worry about is yet another way to lose your hard-earned money. But as a homeowner, you need to be aware of crimes on the rise known as mortgage fraud and real estate title fraud. Mortgage Fraud The most common type of mortgage fraud involves a criminal obtaining a property, then increasing its value through a series of sales and resales involving the fraudster and someone working in cooperation with them. A mortgage is then secured for the property…

10 Questions to ask your Home Inspector The purchase of a home is likely the largest financial expenditure you’ll ever make. And getting your home inspected is an essential step in the home-buying process. No one wants to buy a money pit – and once you have signed on the dotted line, there is no turning back. The best way to ensure you use a professional home inspector is to seek referrals from your mortgage professional, real estate agent or friends. Since you want to be able to trust your home inspector’s judgement, you have to ensure they’re not part-time home inspectors…

Chip Reverse Mortgage; Myth vs. Facts Reverse mortgages have come a long way. They have evolved from a needs-based product to a solution that many financial planners recommend as an important component of a comprehensive retirement plan. Unfortunately, there are still many misconceptions regarding reverse mortgages. Below, the myths are separated from the facts. Myth: The bank owns the home. Fact: You always maintain title ownership and control of your home, and you have the freedom to decide when and if you’d like to move or sell. Myth: You will owe more than your home is worth. Fact: Clients can qualify for up to 55%…

https://www.moneysense.ca/columns/mortgage-term-prepayments-penalties/

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The next time you’re looking for a mortgage for that new house or you’re up for renewal on your existing mortgage, think about using a mortgage broker – their services are free and they offer  an abundance of choices the banks simply can’t compete with. Mortgage brokers have access to a vast array of lenders – up to 90+ institutions, including some of the big banks – which enables these professionals to negotiate the best possible mortgage products and rates on your behalf. In comparison, if you approach your bank with a mortgage request, they can only offer you a…

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 Real Estate What you need to know about mortgages, Part 2: fixed vs. variable https://www.moneysense.ca/columns/mortgage-fixed-variable/

Home Equity Bank support Vets with Special Reverse Mortgage Offerings   https://www.mortgagebrokernews.ca/news/homeequity-bank-supports-vets-with-special-reverse-mortgage-offerings-256694.aspx

What you need to know about mortgages, Part1: Open vs. Closed   https://www.moneysense.ca/columns/best-mortgage-open-closed/

Financial Tips for New Canadians http://bit.ly/2RwfhJn

Mortgage professionals work for you, and not the bank

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https://www.apartmenttherapy.com/landscaping-return-on-investment-36602963

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Homeguard Funding Ltd. president Wayne Sudsbury recently attended Home Trusts first Broker Advisory Session. Wayne sits on the Advisory Board and says that subsequent meetings will occur. “The day was informative, productive and educational for both parties” !