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Your Mortgage Teacher

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02/24/2021

Does getting into today’s 🔥 market feel overwhelming and unrealistic?

𝙔𝙤𝙪𝙧 𝙛𝙞𝙧𝙨𝙩 𝙝𝙤𝙢𝙚 𝙙𝙤𝙚𝙨𝙣’𝙩 𝙣𝙚𝙚𝙙 𝙩𝙤 𝙗𝙚 𝙮𝙤𝙪𝙧 “𝙛𝙤𝙧𝙚𝙫𝙚𝙧” 𝙝𝙤𝙢𝙚.

1️⃣ Get preapproved to determine what your budget is.
2️⃣ Set realistic expectations based on your preapproval.
3️⃣ Break into the market with a starter home and use it to build equity.
4️⃣ Use the equity built to purchase your forever home down the road.

Stop worrying about what you 𝙘𝙖𝙣’𝙩 afford, and focus on what you 𝘾𝘼𝙉 afford!

𝕄𝕠𝕣𝕥𝕘𝕒𝕘𝕖 𝕣𝕒𝕥𝕖𝕤 𝕒𝕣𝕖 𝕒𝕥 𝕒𝕟 𝕒𝕝𝕝 𝕥𝕚𝕞𝕖 𝕃𝕆𝕎, so there’s no better time to get preapproved!

💡𝗟𝗼𝘄 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 = 𝗺𝗼𝗿𝗲 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗽𝗮𝘆𝗶𝗻𝗴 𝗱𝗼𝘄𝗻 𝘆𝗼𝘂𝗿 𝗽𝗿𝗶𝗻𝗰𝗶𝗽𝗮𝗹 = 𝗯𝘂𝗶𝗹𝗱 𝗲𝗾𝘂𝗶𝘁𝘆 𝗳𝗮𝘀𝘁𝗲𝗿 = 𝗼𝗻𝗲 𝘀𝘁𝗲𝗽 𝗰𝗹𝗼𝘀𝗲𝗿 𝘁𝗼 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝗵𝗼𝗺𝗲 𝘆𝗼𝘂’𝘃𝗲 𝗮𝗹𝘄𝗮𝘆𝘀 𝗱𝗿𝗲𝗮𝗺𝘁 𝗼𝗳!

Stop procrastinating and contact me to get preapproved today!

11/12/2020

Lest we forget ❤️

10/29/2020

This morning the Bank of Canada announced the overnight rate will remain at 0.25% (Yay, variable mortgage and LOC payments won’t change 🙌🏻).

Although this was expected, they also announced they have no plans to increase its benchmark rate until inflation rises to 2% and stays there, something they predict isn’t likely to happen until 2023! This could mean several more years of these low borrowing rates!

Questions?! Contact me!

07/24/2020

Looking for an income earning property in Whistler?! Or maybe you’re looking to build your dream home on a 7781 sq ft lot in one of the closest residential neighbourhoods in Whistler village? Keep reading!!
Nestled in one of the BEST locations, White Gold is a quiet neighbourhood that’s just a short walk from Whistler Village and steps to the Valley Trails with Lost Lake and all of Whistler's world class parks & amenities within walking distance.

This 7 bedroom, 5 bathroom chalet is one of Whistler’s original Bed & Breakfasts' and zoned for nightly rentals. Live in it or separate the income with a 3 bedroom, 3 bathroom suite or a 4 bedroom 2 bathroom home (each with its own separate entry). Cozy up to one of the 2 fireplaces, enjoy the mountain views and soak in hot tub off the back deck. The large 2 car garage has plenty of space for all of your toys.
🛌 7 Bedroom
🛀 5 Bathroom
🚗 2 Car Garage
💰 $2,599,000
DM me to arrange viewings! 💁🏼‍♀️

@ Whistler, Canada

05/18/2020

Smart investors know how to use leverage to increase their wealth and better manage their finances and the 30-year amortization mortgage product plays right into that. Equally beneficial is the flexibility it offers by preserving cash flow to manage other financial obligations, such as unexpected expenses or temporary loss of income that can arise throughout various times in life. Interest rate is important, but a lower rate doesn’t always mean it’s your best route. If you need help executing your financial strategies through SMART mortgage structuring, contact me!

04/01/2020

Moments of sanity before the insanity. @ Tunnel Bluffs

03/31/2020

Wondering what to do with your mortgage in today’s market? Use this cheat sheet! Still have questions? Contact me!

03/16/2020

The COVID-19 pandemic has interest rates at a record low right now. BELIEVE IT OR NOT, these all time low rates may actually disappear in the next few days.

If you’re thinking of purchasing, or renewing/refinancing your current mortgage, you need to ACT NOW! If you want to secure a RECORD LOW RATE and SAVE THOUSANDS of dollars, make sure to reach out (especially if your current rate is above 3%). Me and my team can help you out! Contact me!

03/03/2020

Think outside. No box required.

02/07/2020

Key word: 𝙌𝙐𝘼𝙇𝙄𝙁𝙔𝙄𝙉𝙂 rate, NOT your contract rate.

Yesterday morning TD cut its posted 5-year fixed 𝙦𝙪𝙖𝙡𝙞𝙛𝙮𝙞𝙣𝙜 rate to 4.99% from 5.34%, a 36 basis point cut! Last July other banks had lowered their 𝙦𝙪𝙖𝙡𝙞𝙛𝙮𝙞𝙣𝙜 rate from 5.34% to 5.19%, which drove the Bank of Canada to do the same. If a couple of the other big banks follow TD’s lead, the Bank of Canada’s benchmark rate will be below 5% for the first time since January 2018 (when the stress test was first introduced).

So, what does this mean to you? Less income to qualify = increases your buying power!!! 🙌🏻

Lowering the 𝙦𝙪𝙖𝙡𝙞𝙛𝙮𝙞𝙣𝙜 rate by 20 bps from 5.19% to 4.99%, requires roughly 𝟏.𝟖% 𝐥𝐞𝐬𝐬 𝐢𝐧𝐜𝐨𝐦𝐞 to qualify for a mortgage on the average Canadian home price (assuming a 20% downpayment), 𝙞𝙣𝙘𝙧𝙚𝙖𝙨𝙞𝙣𝙜 YOUR 𝙗𝙪𝙮𝙞𝙣𝙜 𝙥𝙤𝙬𝙚𝙧 𝙗𝙮 2%.

Questions?! Contact me!

https://mailchi.mp/dominionlending/e3es7zpv71-410543

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