My Home Hub

03/02/2022

And it begins….buckle up, it may be a bumpy ride.

Two years after drastically cutting Canadian interest rates at the start of the pandemic, the Bank of Canada has kicked off a new rate-hike cycle.

04/08/2021

OSFI reopens consultations on Guideline B20, proposes qualifying floor of 5.25%

02/16/2021

FREE SNOW!!! Ready for pickup. Please bring own shovel. ❄️❄️❄️

09/09/2020

BIG CHANGES COMING.......STAY TUNED!!

08/17/2020

Spring Market in the Summer!!

Read the full story and comment on CollingwoodToday.

08/13/2020

Hanging at the Beach with my beautiful Lady and a perfect Sunset☀️🌞☀️ @ Wasaga Beach, Ontario

08/09/2020

Chill in’ In the CWood with my baby and a beauty fire 🔥

07/18/2020

Thanks Rachael Bakker Mortgage!!

Prospective homebuyers received reassurance today that interest rates will remain near historic lows "for a long time" according to Bank of Canada Governor Tiff Macklem.

07/13/2020

Thanks!! The Garner Team - Heather & Aaron Garner, Sales Representatives

SOUTHERN GEORGIAN BAY MARKET REPORT | June 2020 | You know the market is strong when you’ve been too busy to post the market report. With very few properties listed and so many people moving to our beautiful area; prices and sales are on the rise. Thinking of listing? Now is the time!

06/25/2020

The North is calling you!!!

06/17/2020

I WANT THE BEST RATE!!! GET ME THE LOWE%ST RATE POSSIBLE THEY SAY!!.......OK, REALLY????

Let's take a moment to think about that? How much flexibility are you willing to give up just for the 'Best' Rate? I have been advising clients for over 10 years and I cannot tell you how many times I hear 'I want the Lowest Rate possible'. Well, I can get you that, but here's why that may not be the best option. You need to get past the 'Rate' and understand what your Terms and Conditions are. These are the key to matching the best mortgage product for your individual situation. These vary greatly from Lender to Lender. Yes, a 5yr Fixed Rate at 1.99% sounds great! But, read the fine print and the Terms and Conditions. Penalties need to be taken into consideration. Remember on average, Canadians Refinance their mortgages or Move within a 3yr period. And, with COVID-19 protocols firmly in place for the foreseeable future which have allowed people to work from Home,many people are now re-thinking about where they Live. It's not always about Rate!! Great Post below - Beware the Siren Call of HSBC's 1.99% Five-Year Fixed Rate Mortgage - which outlines the details and warnings. Please read!



https://www.movesmartly.com/articles/beware-the-siren-call-of-hsbcs-1.99-five-year-fixed-rate-mortgage