Neeti T. - Mortgage Alliance

Neeti T. - Mortgage Alliance Daily Mortgage Tips
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Mortgage Alliance

Household debt levels have reached record highs in Canada. If you are a homeowner and carrying high-interest debt, it ma...
03/16/2024

Household debt levels have reached record highs in Canada. If you are a homeowner and carrying high-interest debt, it may make sense to refinance your mortgage and potentially free up more cash each month.
-tips

A good credit score in Canada can make life easier – especially when you’re looking to purchase a home. To help make sur...
03/16/2024

A good credit score in Canada can make life easier – especially when you’re looking to purchase a home. To help make sure you get a great mortgage rate, here are the top three tips to help improve your credit score quickly.

Tip #1: Pay your bills on time every time

Tip #2: Watch and understand your credit utilization ratio. It is recommended not to use more than 30% of the credit available to you. This includes all your credit cards and lines of credit.

Tip #3: Diversify your credit mix (credit cards, loans, mortgages)

If you have any questions, contact me!

The Stress Test is used for mortgage qualifying purposes only, and since it is a rate higher than actual mortgage rates,...
03/15/2024

The Stress Test is used for mortgage qualifying purposes only, and since it is a rate higher than actual mortgage rates, it can impede getting a mortgage, except when a Mortgage Broker is able to help.

I can advise on how to improve your situation so you can qualify under the Stress Test or offer alternative lending solutions. There has never been a better time to get professional unbiased advice!

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Asking rents for all residential property types in Canada averaged $2,193 in February, increasing 10.5% year-over-year —...
03/14/2024

Asking rents for all residential property types in Canada averaged $2,193 in February, increasing 10.5% year-over-year — the fastest rate of annual growth since September 2023 - Rental.ca March 2024
If you currently own a home and are thinking about buying an income property, reach out to learn about the financing options available to you.

Looking to add value to your home without breaking the budget? Below are 5 easy renovations you can take on that will in...
03/12/2024

Looking to add value to your home without breaking the budget? Below are 5 easy renovations you can take on that will increase the value of your home.

1. Replacing or refreshing your front door, even adding a smart lock
2. Replacing old caulking and changing the towel racks, storage and hardware can help modernize your bathroom
3. For your kitchen, replace kitchen lighting and re-facing kitchen cabinets
4. Upgrading door hardware
5. Replacing your garage doors

If your mortgage is coming up for renewal, it is essential to contact me to explore your options. With the Stress Test a...
03/12/2024

If your mortgage is coming up for renewal, it is essential to contact me to explore your options. With the Stress Test and today’s higher rate environment, some homeowners have difficulty qualifying at renewal and feel “stuck” with their current lenders.

The best thing you can do is get advice early and explore your options.

A mortgage broker works for you. They have access to multiple lenders to find the product and rate that meets your needs...
03/11/2024

A mortgage broker works for you. They have access to multiple lenders to find the product and rate that meets your needs. A mortgage specialist at the bank works for the bank. They have access to 1 lender and want to sell their product, not necessarily what is best for you.

If you are getting ready to buy, renew or refinance your mortgage, talk to me today, it might save you thousands in unnecessary interest.

You don't have to worry about getting rate quotes when you work with me! With access to major Banks, credit unions, and ...
03/09/2024

You don't have to worry about getting rate quotes when you work with me! With access to major Banks, credit unions, and national, regional, and private lenders, I will shop the market for you.

If you are looking at low online rates, research and contact me to discuss. Rock-bottom online rates often have restrictions and high penalties that could work against you in the long run. Necessary mortgage privileges don't fit in a rate ad but are critical when determining your situation's best mortgage.

f you are a homeowner 55 years or older a reverse mortgage might be right for you. It allows you to access up to 55% equ...
02/23/2024

f you are a homeowner 55 years or older a reverse mortgage might be right for you. It allows you to access up to 55% equity in your home with no monthly payment. Contact me today for more details.

Are you thinking about renovating? Below are 8 renovations that will add value to your home!1. Outdoor Structures like d...
02/22/2024

Are you thinking about renovating? Below are 8 renovations that will add value to your home!

1. Outdoor Structures like decks, fire pits, and garages.
2. Full Bathroom Remodels
3. Replacing old windows
4. Attic insulation
5. Roof Replacement
6. Smart home technology
7. Finished basement
8. Kitchen remodel

I specialize in providing mortgage solutions for those who are self-employed. With access to over 60 lenders, I ensure y...
02/22/2024

I specialize in providing mortgage solutions for those who are self-employed. With access to over 60 lenders, I ensure you get the RightMortgage for your situation. Contact me today to discover the solution that's right for you.

Unlocking equity through refinancing or a home equity line of credit (HELOC) is a great way to leverage the value of you...
02/20/2024

Unlocking equity through refinancing or a home equity line of credit (HELOC) is a great way to leverage the value of your house.

Refinancing allows you to access equity and possibly obtain a better interest term and rate. Where as a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money.

If you are interested in exploring the possibilities available to you, contact me today.

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