Interest Rate Increase Signaling First Time Buyers to Buy!

Posted on Nov 05, 2018

The latest interest rate hike might not preclude more buyers—especially first-timers—from the market, it might signal a rush to get into the market while they still can. 
“I think it’s already started,” said REMAX INTEGRA’s Christopher Alexander, vice president and regional director for Ontario-Atlantic Region. “Condos are moving pretty quickly, and...

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Preparing Seniors for downsizing to assisted living. 

Posted on Nov 01, 2018

Enjoyed working with these fabulous, professional ladies, Bonnie Harris, Community Relations Director at Beechwood, Viola VandeRuyt, of Vanderuyt Wealth Management, and Anney Ardiel of Act Together Moving Services. We gave an informative seminar at Amica at Beechwood in Sidney to better prepare seniors with what to expect when downsizing to assiste...

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First Time Buyer Success Story

Posted on Oct 27, 2018

Love seeing young women on the road to financial security. Kiana is a first time buyer~ 24 years old ~with SMARTS. Just bought a condo still under warranty~ getting a room mate to pay most of the mortgage. 
Achieving financial independence as well as being in control of where she lives. It can be done!! Pay off your own mortgage instead of someone el...

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Financial Readiness in Buying a Home

Posted on Sep 24, 2018

 WHAT DO LENDERS REQUIRE?
Mortgage lenders use two calculations to help determine your eligibility for a mortgage – your Gross Debt Service (GDS) ratio and your Total Debt Service (TDS) ratio.
Your GDS ratio is the percentage of your gross monthly income used for mortgage payments, taxes and heating costs and – if you are buying a condominium – half...

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