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Connie Chaulk || December 06, 2018

The Upside of Alternative and/or Unregulated Lenders

A recent report from the Bank of Canada reviewed the impact of the government's policy changes on the mortgage market. It found that overall market activity had slowed -- something we knew would...

Connie Chaulk || June 14, 2018

Housing affordability continues to erode

TNew mortgage rules, rising interest rates, and stress tests have definitely cooled housing market activity by making it more challenging for some to qualify for mortgage. An unwelcome consequence...

Connie Chaulk || November 17, 2017

Good Reasons to use a Mortgage Broker

Owning a home is usually on a list of lifetime goals. And new home buyers usually have a lot of questions. Some worry about coming up with the down payment, some aren't sure about their credit scores,...

Connie Chaulk || November 17, 2017

A TIME FOR GREAT CHANGE

As you know, the mortgage rules are changing once again, effective January 1, 2018. The introduction of the minimum qualifying rate (stress test), this time for uninsured buyers, may be the toughest...