Calgary Mortgage Agent PowerPoint PPT Presentations

While working with an experienced mortgage broker to help you find a great deal on a mortgage in Calgary is always a smart idea, there are a number of other things you can do to ensure that you get the best mortgage for your circumstances; here are 6 of them:

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We might be heading towards the halfway point of the year, but that doesn’t mean that you can’t reassess your financial goals and begin preparing to get a mortgage loan; not all resolutions have to be made on the 1st January! With this in mind, here are a few tips to help you better manage your finances and begin saving for a mortgage:

For most of us, trying to make sense of the terminology surrounding mortgages can be mind boggling to say the least. But, with this short guide to the most commonly used words and terms, you can begin to turn nonsense, into sense:

You may not realize it, but when it comes to crimes of a financial nature, mortgages give fraudsters many opportunities to steal and swindle innocent people out of their money. Here are some important facts about mortgage fraud and ways in which you can avoid becoming a victim:

There can be many reasons why a homeowner might choose to refinance their mortgage; read on to find out about the most popular reasons, and learn whether it’s the right decision for you:

Mortgages need not be complex and intimidating, especially if you work with a local mortgage broker, but it is important to have a basic understanding of how they work, and perhaps more importantly, how they don’t work.

There may come a time in life when refinancing your mortgage is a viable option, and there are several reasons in which this might be the case. To find out if refinancing your mortgage is a wise decision for you, speaking to a mortgage broker or financial advisor could help you decide.

At the beginning of the year, Canada’s housing debt was recorded at its highest in over a decade, and with the average purchase price of a home in Canada increasing by more than 40%, it’s little wonder more and more Canadians are getting themselves into mortgage debt.

If you’ve been unfortunate enough to go through a bankruptcy or consumer proposal, and need to apply for a mortgage loan to purchase a property, you’ll find that it might be a lot tougher than you anticipated.

For anyone wanting to purchase their first property, the process can seem more than a little daunting, and knowing who to turn to for help and advice, not to mention your mortgage, can be confusing. To help you, here are the 3 main places to get your mortgage from:

As one of the most significant purchases most of us will make in our lifetime, a mortgage is a big deal, and as such, it can help to save money on it wherever, and whenever you can. Even the smallest of changes in an interest rate can make a big difference to the amount you have to pay on your mortgage, making understanding the factors that can impact these rates, very important.

Most mortgages in Canada are limited to a 25-year amortization period (the total life of a mortgage), and this is mainly because mortgages requiring CMCH insurance coverage have a 25-year maximum. However, 30-year mortgages do exist in Canada, but you’ll need to have a low-ratio mortgage that won’t be subject to long-term finances.

There can be many reasons for wanting (or needing) to renew your mortgage, from changes in your financial circumstances, to being dissatisfied with your existing lender, but whatever your reason, renewing can be a fantastic opportunity to make some much needed changes.

Canadas new mortgage rules can have an impact upon your mortgage, whether you’re looking to purchase your first home, or want to switch mortgages or refinance; the following guide should help you make an informed choice:

While paying off a high-interest consumer loan, or financing home improvements with the money from a second mortgage, is a worthwhile and sound idea, there is a better way to use that money: make a down payment on a rental property.

With Canadian mortgage rates at an all-time low, questions are being asked as to just how long they’ll remain that way, and what factors will affect it the most. Undoubtedly at the moment, the COVID-19 vaccination race and their earlier than anticipated arrival, paints a reasonably optimistic economic forecast. The ongoing lockdown continues to hamper the economy, making vaccination rates vital, and the race to achieve herd immunity, an ever more desperate one.

With the recent announcement of a new and effective vaccine on the horizon, bond yields in Canada and the U.S. are hovering right around 0.50%, the first time they’ve done so since the beginning of June. Bond yields lead fixed mortgage rates, causing some to suggest that mortgage rates could be finding a bottom and may only get higher from now on in. With the profit margins of lenders already exceptionally tight, rising yields are doing nothing to help and are in fact, tightening their margins even more. Some within the industry have observed that if yields continue to rise, banks will waste no time taking their fixed rates with them. That said, experts predict that the future is bright where the housing market and mortgage rates are concerned, and that 2021 will be all about recovery.

When it comes to applying for a mortgage in Canada, it could benefit you to have someone co-sign it for you, and below we take a look at co-signing in a little more detail:

The following mortgage options are the most common, and knowing which one is best suited to you and your personal circumstances, can be achieved with the help of a qualified and experienced mortgage broker.

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When you make a late payment or default on a payment, the lender or creditor reports the information to the credit bureaus. Then, it’s included in your personal credit report, which can then be used to enable other lenders or creditors to make a more informed decision as to whether to extend you credit. If you’re applying for a mortgage and have bad credit, this can affect your ability to secure a loan, but it doesn’t always have to be a complete barrier.

For private lenders, 2021 looks set to be another bumper year, with the private mortgage market stronger now than it was during pre-COVID times. With the unique challenges of the pandemic being felt by lenders and borrowers globally, as well as in Canada, it seems that more attention has been focused on the private sector. Responding to decreases in liquidity and demand at the beginning of the pandemic, traditional lenders started to restrict their lending by tightening requirements, and borrowers wanting to purchase a property were being turned away left, right and center. With no alternative but to turn to private lenders, many were pleasantly surprised by what they found, even if they had never envisaged such a turnaround.

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The real estate market is a changeable one, and there are never any guarantees that you’ll find the home you’re looking for, let alone that you’ll be able to afford it when you do. Of course, that shouldn’t stop you from looking, but it should mean that you think carefully about what you might be able to do to increase your chances of finding and buying, the property of your dreams.

The real estate market is a changeable one, and there are never any guarantees that you’ll find the home you’re looking for, let alone that you’ll be able to afford it when you do. Of course, that shouldn’t stop you from looking, but it should mean that you think carefully about what you might be able to do to increase your chances of finding and buying, the property of your dreams.

Planning to buy a new home? Don’t have any idea regarding this. Then hire a mortgage broker. Before you start the hiring process, read the information given here about mortgage brokers.

While there is some advice for buying a home that can be applied to almost everyone, for some groups of buyers, such as singles, the self-employed and parents-to-be, the challenges and obstacles they face are different, and require a unique set of mortgage tips and guidance:

If you’re looking for a mortgage to buy a new property, then your best bet is to meet with an experienced mortgage broker who can help you find out your eligibility and choose the best option for your financial circumstances, from a range of lenders.

Nicknamed ‘cowtown’ thanks to the Calgary Stampede – a huge rodeo and festival held every July in the Alberta city of Calgary – this vibrant and cosmopolitan city is becoming an increasingly popular place to buy a home and raise a family and in recent years, has consistently been named the world’s fifth most livable city by The Economist. With a stable economy, sound healthcare system and good education facilities, here’s just a few reasons why buying a home in Calgary is a smart move (pardon the pun!):

When making what is likely to be the biggest purchase of your life, you want to be sure you get the very best deal possible, but how can you guarantee this? With so many banks, lenders and brokers all waiting eagerly to take your loan application, what can you do to ensure you get a great mortgage deal?

If you’re looking to buy a new home, no longer are you restricted to the Big 5 as your only options for applying for a mortgage. Nowadays, alternative mortgage lenders – often referred to as ‘B’ lenders’ – are growing in popularity and the choices are wider than ever before.

It’s not always easy to qualify for a mortgage, and with government regulations increasingly targeting down payments, high ratio buyers and investment properties, more and more Canadians – including those who are self-employed, living in rural areas or have a poor credit history - are continuing to struggle to qualify for a home loan.

Being self-employed can be a great way to earn a living doing the things you love or are great at (or both), and for as many as 13% of Canadians, that’s exactly what they’re doing. However, many believe that being self-employed prohibits them from being approved for a mortgage, or at the very least, makes it much more difficult for them. The reality is though, that it’s absolutely possible for a self-employed Canadian to find a great mortgage deal, they may simply have to jump through a few more hoops to get it.

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Want to buy a new property? Then hire the right REALTOR® in Calgary for assistance. While hiring REALTOR® consider few factors such as track record, referral, experience and more that can help you pick the perfect one without getting ripped off.

Want to buy a property in Calgary? Before you start the search, follow the tips given here to have a safe transaction.

Do you dream of one day owning your own home, but worry that a poor credit score will make your dreams unattainable? Fortunately, even if you do have bad or bruised credit, there is a potential solution, and while there aren’t as many mortgage options out there for those with a poor credit score, there are some.

Do you dream of one day owning your own home, but worry that a poor credit score will make your dreams unattainable? Fortunately, even if you do have bad or bruised credit, there is a potential solution, and while there aren’t as many mortgage options out there for those with a poor credit score, there are some.

HOA fees, or Home Owners Association Fees are commonly required for properties purchased in some of Calgary’s newer communities, such as Auburn Bay, Mahogany or West Springs, in which residents are required to pay an annual fee to community associations. This typically goes towards the maintenance of amenities for the entire community to use, such as tennis courts and lakes.

The single most effective way to make sure that when the time comes to purchase your first home, you’re able to afford it, is by taking the time to conduct thorough research, and being honest about your income and expenditures.

Whether you’re a Canadian homeowner getting involved in a home improvement project, or an investor, with the evidence showing that doing so can have numerous benefits, it’s little wonder so many Canadians are starting such projects. For those wishing to improve their home for livability purposes, home improvements can have an immensely positive impact on daily life, whereas for investors, renovations can help improve a property’s salability and increase its value.

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Perhaps somewhat surprisingly, Canada’s housing market has been quite buoyant throughout the COVID-19 pandemic, and there has been an increase in demand for buyers searching for larger, single-family homes in and around large urban centers. Hygiene, health, safety and privacy are naturally easier to control in an individual property; apartments and shared living presents far higher risks when thinking in terms of a global pandemic, and quarantine periods may be enforced for multiple apartments within larger complexes should one family (or individual) test positive for COVID-19.

Oftentimes, spending less on a property than you can actually afford is a smart move – although it may seem counter intuitive – and the advantages of doing so can be found below:

The decision to purchase a new home is one that most make only after careful consideration; a process which should involve asking yourself the following questions:

Getting the right property at the right price is crucial if you’re planning to buy a commercial building in Canada, and the first part of the process is to understand the different types of commercial properties available to you. Some of the most common are as follows:

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