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Fax: 1.866.827.9671
kim@mortgagesuperhero.com
After July 1, 2010, every residential real estate transaction in Ontario will face a significant tax increase. Specifically, home buyers and sellers can expect to pay 8% more on legal fees, appraisals, real estate commissions, home inspection fees, moving costs and the provincial government’s forthcoming system of mandatory home energy audits. While the impact of the tax will…
Not all debt is created equally. Let’s face it, debt is not something we desire to have but there is a difference between the good and bad and it lies in how it can hurt or help you reach your financial goals.
Some debt can be seen as an investment in one’s future such as:
For many Canadian homeowners, paying off their mortgage as quickly as possible is a top priority. Paying down extra principal in the years by whatever means possible can shorten the life of your mortgage and dramatically lower the interest you’ll pay over the long haul. Here are a few “super” tips on how to make this happen:
1. …
…and why they may not be the best choice for your mortgage.
There has been a lot of talk in the news the last 2 weeks about extended fixed terms, namely 7 and 10 year fixed mortgages. It’s true that rates are historically at their lowest right now and a 10 year mortgage at let’s say 5.25% looks very…
Please find my latest version of the very popular “Home Buyer’s Guide”. This comprehensive guide offers a wealth of information – perfect for a first time home buyer but also a great reference for anyone who is in the home buying process.
Wondering about the advantages of using a Mortgage Broker? Click below to see 6 reasons…
Six Reasons to use a Broker – PDF
What does my AMP stand for and why should you look for this accreditation from a Mortgage Broker?
Wondering about the importance of your credit history? Here’s a brief explanation…
Need to fix and improve your credit? Here’s how…
A great article for First Time Homebuyers….
Deciding between fixed or variable rate….
A discussion about closing costs and what to expect…
Dreaming of a renovation? Here are five steps to make it a reality….
Are you self-employed? A great read on self-employed
borrowers and how experience is a big plus…
Looking at purchasing a condo as a rental investment? Great article discussing this…
Condo Rental Investment Properties – PDF
Thinking about purchasing a second home? Here are some tips…
More Canadians Purchasing Second Homes – PDF
Considering buying a cottage or a vacation home? Take a look at this article…
Is it time to downsize your home and your life?
Take a look for some tips…
Getting your home ready for the holiday season…
Needing holiday inspiration? Take a look….
Considering consolidating your debt? Here are a few things that may help you…
Things to look out for in the garden during fall…
The Garden in Autumn- PDF
Look what landscaping can do for your home value. An eye opening article…
The Wow Factor – Curb Appeal – PDF
The benefits of planting trees on your property…
Curious about creating a garden? Take a peek…
Considering a second mortgage? Here is some advice…
Second Mortgages – PDF
Keeping yourself organized during your move – a checklist…
-moving checklist
Dreaming of being mortgage free? Here is some advice…
Fast-tracking to mortgage-free – PDF
Keeping your home safe. A spring checklist…
Safe As Houses Spring Checklist – PDF
Protect your home and garden investment. An autumn checklist…
Homeowners Autumn Checklist – PDF
