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  • Mortgage Stress Test: Please Keep Complaining!

    Keep Complaining About The Mortgage Stress Test It appears to be working! It is easy to read the headlines. Unfortunately, bad news sells. Let’s look at this week alone: "Canada’s Housing Market Store Vulnerable" "Toronto Real Estate [...]

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    Cash Flow: Going, Going, Gone!

    Cash Flow Are you thinking of refinancing your home to consolidate debt, to do some much-needed renovations or to improve your Cash Flow? Not so fast! It appears the easy days of refinancing are over. Consider this couple who came into our office [...]

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    Pay Down Your Mortgage Faster OR Invest? Why Choose?

    The Age Old Question: Is It Better To Pay Down Your Mortgage Or To Invest? First, I would turn the questions back on you: What mortgage interest rate are you paying? What would your rate of return be on your investment? What kind of [...]

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    Breaking Up With Your Real Estate Agent

    Financial Post Article: Breaking Up With Your Real Estate Agent I try to keep on top of the latest news concerning Real Estate Agents and mortgages. The above article caught my eye. It was in the Financial Post and it was certainly written with an [...]

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    Buyer's Market: Quick Changes in Real Estate

    Buyer's Market: How Quickly Things Can Change in Real Estate Two years ago, Hamilton realtor listing signs did not stay in the ground long enough to leave a mark in the ground. At Robert Floris' Mortgage Architects office in Hamilton, Ontario, we [...]

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    Mortgage Industry - 2019 Changes Expected

    Mortgage Industry Changes in 2017-2018: Some of the biggest changes in the mortgage industry have happened in recent years. The new stress test was the biggest rule change in the mortgage industry. This was also shocked by a huge increase in the [...]

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    AMORTIZATION: How To Accelerate Your Mortgage

    Mortgage Killer: Amortization We consider the below to be our MOST IMPORTANT MORTGAGE INFORMATION STATEMENT OF THE YEAR. If your goal is to pay off the mortgage more quickly then please read on. In the next several months you will be receiving [...]

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    Credit Card Debt: Peace of Mind For 2019

    Credit Card Debt: Peace of Mind For 2019. It's Possible! Here's How: Current Situation: Debts Balance Monthly Payment Mortgage @ 3.19%, Amortized 25 yrs $300,000 $1449 Car Loan $24,000 $580 Credit Card Debt $18,000[...]

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    Paying Down Debt - Priority For Canadians

    Paying Down Debt Is Becoming The Priority Rising interest rates are making a lot of Canadians think about paying down their debts as a priority in 2019. Low rates previously made debt cheap to carry but people are worried that may change. [...]

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    Variable rate or fixed rate? Where is my crystal ball?

    Variable Rate or Fixed? According to the market the variable rate may be the way to go. One of the toughest questions we face at Mortgage Architects is what product we would choose; the variable rate or the fixed rate. In the last six months it [...]

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