Holiday Hours

Please note that our offices will be closed from December 22 until December 27, 2017 to celebrate the holidays. For the New Year holidays, we will be closed from December 29, 2017 until January 3, 2018. We look forward to serving you in 2018 to help you plan for new investments, home improvements and mortgage [...]

By | December 20th, 2017|News|0 Comments

Mortgages with the 20%

There have been a lot of discussions around the new mortgage rules and I have had a few clients ask about what that means for them. Since stress testing on mortgages began last year, the biggest change in January will be for people who are putting more than a 20% down payment on their new [...]

By | December 8th, 2017|News|0 Comments

Knowing When Less Is More

No one wants to be told that they are not allowed to have something. We live in Canada; as Canadians, our focus has always been to strive for better and for more. That said, there appears to be a growing trend around co-sharing which means people are increasingly moving away from owning their own cars, [...]

By | September 29th, 2017|News|0 Comments

Back to School & Financial Literacy

It is the back to school season and children have undoubtedly asked for the latest, greatest gadgets and clothing before seeing their school friends again. One lesson could give kids the confidence to start the school year off well, and stay with them until their adulthood: financial budgeting. Financial lessons can start young with simple concepts around [...]

By | September 15th, 2017|News|0 Comments

What Rising Interest Rates Mean For You

There have been many new articles lately that talk about rising interest rates and what that will mean for Canadians. Some believe that this is a way for the government to stress test loan delinquency rates in the country since a rise in interest rates leads to higher monthly payments. Others simply believe that since [...]

By | September 6th, 2017|News|0 Comments

Buying A Second Home And Not Paying For It!

I was out shopping the other day and was surprised to see “Back to School” products already on store shelves. While we may not want to think of the Fall’s approach so soon after the start of summer, it’s important to think ahead as you plan the return to school for your university-aged children. Where [...]

By | July 21st, 2017|News|0 Comments

Avocado Toast & Budgeting

There was an article reprinted in the National Post recently about an Australian millionaire’s opinion on millennials not being able to afford a home because they’re wasting money on avocado toast, at $22 per plate. The article was quickly mocked but it was an interesting article on two fronts: 1) the irresistible urge for avocado toast [...]

By | May 27th, 2017|News|0 Comments

Financial Literacy Among Students

A few weeks ago, I had the pleasure of speaking to a group of students ranging from first year to post-graduate during a University of Alberta Real Estate Association event. There were two other speakers who spoke about real estate but the topic of credit ratings, down payments and other financials were very clearly on the [...]

By | April 30th, 2017|News|0 Comments

Getting Pre-Approved For A Mortgage

You've been squirreling away your bonus cheques, savings and reducing the amount of times you visit Starbucks so you can finally get into your own home to build solid equity for your future. Now that you know what you want and what you can afford, it’s time to visit your local mortgage broker (i.e. to [...]

By | March 7th, 2017|News|0 Comments

Gather Your Mortgage’s Down Payment

For many people, saving enough for a down payment on a house is not an easy task. (You can't rely on finding One-Eyed Willy's treasure like they did in the Goonies movie, either!)  Once you have an idea as to how much you can afford on your home, relative to your salary and monthly costs, it's [...]

By | February 28th, 2017|News|0 Comments