• Are you a young adult in Hamilton struggling to buy a home? With the high cost of homes, low incomes, and high-interest rates, it's no surprise that many young Canadians are finding it difficult to purchase a home. As a mortgage broker in [...]

    Read more

    Mortgage Rate Increases Finished? Maybe. Either Way, Prepare!

    Mortgage Rate Increases Finished? Maybe. Either Way, Prepare! As a homeowner or a potential home buyer, you may be wondering whether the recent mortgage rate increases are here to stay or if they will decline in the coming months. [...]

    Read more

    Complex Mortgages Some people think that being a mortgage broker is just about getting banks to compete with each other to get the best mortgage rate. This implies that all mortgage brokers are pretty much equal and that it just depends which [...]

    Read more

    First Time Homebuyers: Still A Joy

    First Time Homebuyers: Still A Joy After one year of a depressing real estate market with lower home prices and higher mortgage rates, it still is possible for first time homebuyers to enter the home market. It is said that the new [...]

    Read more

    Why Private Mortgages Are Skyrocketing?

    Why Private Mortgages Are Skyrocketing? It was the early 90s, mortgage rates were escalating, a recession was coming and you could eerily feel the change in the housing industry. Since last year the feelings are the same. It’s not a nice [...]

    Read more

    What Are The Advantages/Disadvantages Of Paying Your Home Off

    What Are The Advantages/Disadvantages Of Paying Your Home Off Let’s be clear, there is no exact answer. We are all different in personalities and goals. I guess the correct answer could be what helps you sleep better at night. Certain [...]

    Read more

    Why I should consider refinancing my mortgage

    Why I should consider refinancing my mortgage As life gets harder in Canada, people choosing to refinance their current mortgages have thought of different reasons in the past year as to the traditional reasons in the past. We will cover the [...]

    Read more

    Why contact a mortgage broker when your mortgage matures?

    Why contact a mortgage broker when your mortgage matures? Your mortgage is maturing and the financial institution sends out the current mortgage rates. Your first reaction is ouch. These new rates and payments are much higher than what I am [...]

    Read more

    Should I Put 20% Or 15% Down?

    Is It Better To Put 20% Or 15% Down? When purchasing a home, most people try to reach the 20% down payment mark to avoid the CMHC charge. That seems intuitive but let's looks at the numbers. Let's take a $500K purchase price as an example and [...]

    Read more

    Variable Rate Concerns

    Hi, this is Robert Floris from Mortgage Architects and this message is mainly for my variable rate clients and adjustable rate mortgage clients and clients who are maturing this year. As you all know, the Bank of Canada raised interest rates over [...]

    Read more