Kimberly Doidge - Indi Mortgages

Kimberly Doidge - Indi Mortgages YQR Mortgage Associate
Indi Mortgage
License #513015
Brokerage # 509361

This International Women’s Day, we recognize the strength, resilience, and achievements of women in every community, ind...
03/08/2025

This International Women’s Day, we recognize the strength, resilience, and achievements of women in every community, industry, and walk of life. It’s a day to reflect on progress, honor those who have paved the way, and continue pushing for a future where every woman has the opportunity to thrive.

Here’s to the women who lead, inspire, and support each other—today and every day. Happy International Women’s Day!

🏡 Are You Financially Ready for Home Ownership?You've made the exciting decision to pursue homeownership! But before you...
11/18/2024

🏡 Are You Financially Ready for Home Ownership?

You've made the exciting decision to pursue homeownership! But before you start house hunting, it's essential to evaluate if you're financially ready. The next step is to get in touch with a licensed mortgage professional who can offer you independent/unbiased advice. We’ll run the numbers to help you assess your current financial situation, how much home you can afford, and what your maximum budget should be.

You may even qualify for government assistance programs like The New to Canada Program, First Time Home Buyers Incentive or First Home Savings Account!

Ready to crunch the numbers? Let’s get started!

Today, we pause to honor and remember the brave men and women who have served and sacrificed for our freedom. Their cour...
11/11/2024

Today, we pause to honor and remember the brave men and women who have served and sacrificed for our freedom. Their courage, dedication, and selflessness will never be forgotten.

Let us take a moment to reflect on the peace and security we enjoy today because of their service. Lest we forget.

There are two types of credit checks or inquiries, a hard credit check and a soft credit check. The way the inquiry is c...
09/06/2024

There are two types of credit checks or inquiries, a hard credit check and a soft credit check. The way the inquiry is classified depends on who is checking your credit and why.

A hard credit check is done to evaluate the risk of lending or providing a service to someone. For example, when you apply for a mortgage loan, a lender will require a more detail look at your credit history when evaluating your application. They will use a credit report from one of Canada’s credit bureaus (Equifax and/or TransUnion) to assess your credit worthiness.

NOTE: it is only legal to pull a credit bureau with your consent.

A soft credit check provides less information than a hard credit check and gives a basic overview of your credit report and list of your loans, lines of credit, payment history, and collections accounts.

A pre-approval with a Mortgage Agent (Broker) provides an in-depth look at your credit worthiness increasing your chances of mortgage loan approval. Contact us today to get started.

Is your mortgage renewal coming up? It may be the perfect time to make the most of your increased home value and equity....
08/15/2024

Is your mortgage renewal coming up? It may be the perfect time to make the most of your increased home value and equity. Here’s how a mortgage agent/broker can help:

Access Equity/Refinance Options: Tap into your home’s increased value for renovations, debt consolidation, or investments; lower monthly payments, shorten your mortgage term or consolidate debt. Save Money/Secure Better Rates: We shop multiple lenders to find the most competitive rates and terms. Options, options, options! Customized Solutions = unlike the bank, we have access to multiple mortgage products to fit your financial goals and lifestyle. Save Time/Reduce Stress: Let us do the heavy lifting and provide you with amazing service. Independent Advice: We work for you not the banks!

Even if you started with a bank, we can help you unlock the full potential of your mortgage renewal. Contact us for a no obligation review before signing with your current lender!

Whether buying a home, renewing your mortgage, or refinancing, informed mortgage decisions are crucial for long-term aff...
06/11/2024

Whether buying a home, renewing your mortgage, or refinancing, informed mortgage decisions are crucial for long-term affordability and financial stability. Here are some helpful tips:

1 - Borrow less than you’re allowed. Keep housing costs below 32% of your gross income and your total debts under 40% to avoid financial strain should your circumstances change.

2 - Plan for higher interest rates. If you have a variable interest rate your monthly payments could be affected along the term of your mortgage; ensure you are looking ahead and prepared for a higher interest rate/payment come renewal

3 - To pay off your mortgage faster, increase regular payments, make lump sum contributions, and/or opt for accelerated payment schedules.

If you encounter financial difficulties, contact your licensed mortgage agent (broker) and lender immediately for assistance.

Connect with us today - we’ll help you plan for the future!

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3619 Pasqua Street
Regina, SK
S4S6W8

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