Calgary Mortgage Calculator 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:

Thinking of hiring a mortgage broker in Calgary? Here are five major benefits you can enjoy when using a professional mortgage broker.

Looking for a reputable mortgage broker in Calgary? Here are the five major things to consider when you need to choose an experienced and find the best mortgage broker.

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:

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:

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.

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.

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:

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:

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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.

Provided you ask the right questions of your local mortgage broker, they can help you find a home you can see yourself living in, at a price you can actually afford.

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.

Renewing your mortgage automatically may not be the right choice for everyone, and a lot will depend upon your current financial position, you’re your future financial goals.

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:

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:

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.

Influencing the health of the economy are many factors, from unemployment and inflation, to consumer confidence and the housing market, and any number of these, when combined, can also influence fixed and variable mortgage rates.

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:

As a significant financial investment, purchasing a home is difficult for many people without a mortgage, and while there are no solid guarantees that you’ll be approved for the mortgage of your choice, you can take the following steps to give yourself the best chance of making it happen:

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.

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.

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.

When it comes to mortgage borrowing, we all know that a credit score is taken into accountant by lenders, but did you know that the credit report they see, is not the one you might be seeing?

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.

It is often thought of as being a big financial achievement to pay off your home mortgage before you retire, but in many cases, you can still retire in comfort without having paid off all your housing debt. With some low mortgage interest rates, it can be a more sensible financial decision to carry on making the payments once you’ve retired, and here are a few other examples of when it might make good sense to keep your mortgage into retirement:

Predictions made by experts within the housing and mortgage market, suggest that housing activity in Canada will continue to be strong throughout 2021 and even into the following year, and it’s estimated that 701,000 homes will be sold through Canadian MLS systems this year. It’s also predicted that the national average price of a home will grow by as much as 16.5% annually, hitting a high of $665,000.

Predictions made by experts within the housing and mortgage market, suggest that housing activity in Canada will continue to be strong throughout 2021 and even into the following year, and it’s estimated that 701,000 homes will be sold through Canadian MLS systems this year. It’s also predicted that the national average price of a home will grow by as much as 16.5% annually, hitting a high of $665,000.

If you’ve got debts to pay off and are struggling to manage them, you might want to consider debt consolidation.

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.

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Getting the most out of your business tax deductions requires more than just the diligent tracking and filing of your expenses – to maximize your business returns, you need to know what you can and can’t claim come tax time. However, understanding what components of your business qualify for a tax deduction can be a challenge for many owners – you are busy enough as it is running your business. Prioritizing and tracking the expenses you can claim can fall to the wayside. Kent Accounting has put together a simple list of the best tax deductions for you to record and claim to make the most of your yearly tax return.

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An overwhelming number of reports and studies provide evidence of needed change to the water and wastewater industry.6 The life-sustaining assets under this industry’s care have received a grade of “D-” in 2009 and a “D+” in 2013 from the American Society of Civil Engineers (ASCE) for their condition, with a growing price tag estimated between $1 to nearly $5 trillion. The Environmental Protection Agency (EPA) explains that nearly 60 percent of these costs are the underground pipes which have been out of sight and out of mind for too long.

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Mortgages are a significant outgoing for most, and it’s important that we pay as little as we need to, in order to avoid financial ruin. However, on occasion, small details within a mortgage contract may be overlooked and can lead to individuals having to pay an inflated amount, and this usually occurs when you don’t use the services of a mortgage broker.

If you’re buying a home for the first time, there will be a lot of new things to learn and understand, and a mortgage is probably the first that you’ll want to wrap your head around:

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.

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:

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.

If you’re a first-time home buyer, or haven’t sought a loan to buy a property for a good many years, you may have some unanswered questions about the mortgage payment process; below are answers to some of the most common questions:

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.

Buying a mortgage can be a huge milestone in a person’s life, and because it is such a significant event, it deserves to be given thorough consideration before purchase. However, before you can even get to the point of purchase, you might need some tips to help you calculate your mortgage and understand every step of the process:

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.

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?

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.

It’s no secret that it can be expensive to move home, and it’s not just the cost of the property itself that can cause a dent in your bank balance. To help you get a better understanding of everything you’ll be expected to pay for when you buy your first home, some of the main costs are listed below:

The amount that you can afford to put towards a down payment is arguably one of the single most important things to consider when buying a home. Affecting both the amount that you need to borrow, and the financing options available to you, a down payment is crucial for enabling you to buy the property of your choice. While down payments are undoubtedly essential, saving for them can be tricky, and some people really struggle. With this in mind, here are 7 money saving tips that can help you reach your mortgage goals far sooner:

As Mainstreet entered into the fiscal year 2016, we established a number of strategic plans and financial goals in direct response to macro economic challenges in some of our core markets. These measures were taken very deliberately, and were crafted in order to create opportunity for Mainstreet and its shareholders during this ongoing uncertainty. Our strategies included the accretive acquisitions of assets during periods of economic recession; refinancing a significant portion of our pre-maturity debts at the current record-low 10-year team interest rate; and buying back our own shares, which we believe are trading at a deep discount to the NAV.

MAINSTREET EQUITY CORP. is a Canadian real estate company focused on acquiring and managing mid-market rental apartment buildings primarily in Western Canada. Founded in 1997, Mainstreet creates value by purchasing under-performing properties, renovating them to a branded standard, improving operating efficiencies and repositioning them in the market for greater returns.