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Refinancing your mortgage to consolidate debts is one of the best ways to get a handle on those debts. There are various reasons why this approach is suitable for many people but the most obvious…

Traditionally speaking, the housing market does follow certain ebbs and flows (or ‘seasonality’). Just like other types of investments, even the real estate market shares opportunistic times to buy/sell throughout the calendar year based on…

First and foremost, it’s important to remember that predictions are not factual. Mortgage rate predictions, however, are made based on facts and data that are available to us. It’s possible to be completely right, but…

Like “what came first, the chicken or the egg”, the debate on “variable vs fixed rate mortgage” will too, continue to withstand the test of time. That’s because there are arguments to be made on…

A mortgage trigger rate has been a concept for quite some time, but not one that would trend often. More recently, due to increasing mortgage rates, inquiries are now growing.   What is a mortgage…

Mortgage Broker vs. The Bank – Why the Mortgage Broker is winning in 2023   Mortgage broker, or bank? It’s the great debate. While we share a bias, there are stats to confirm that 55%-64%…

This is a never-ending debate and in my opinion, one that will continue forever. Which mortgage option should I go with, fixed or variable rate mortgage? Let’s get right to it:   Fixed Mortgage: Interest…

A monoline lender is one that only deals in one (mono) type of lending, which in this case is Mortgages. These lenders often do not have Branches you can visit, you can’t open up a…

We never know where life will take us and although we do our best to plan out our lives, we often get it wrong. What happens if you thought you were going to live in…

When we are saying “hurting” the housing market, it’s not what you might think. We are using this phrase to describe how this tactic is contributing to the cause of making housing less and less…

This is probably the most common conundrum that homeowners face when deciding on which path to choose. The simple answer is that it’s not that simple. If one were better than the other, then what…

Like many people, you might be wondering “how do they determine fixed mortgage rates, and what makes them move up or down?”. The answer to this question is quite simple à Government Bond rates/Yields and…