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	<title>Mortgage Superhero® &#187; Tips and Advice</title>
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		<title>Understanding Collateral versus Standard Charge Mortgages</title>
		<link>http://mortgagesuperhero.com/understanding-collateral-versus-standard-charge-mortgages/</link>
		<comments>http://mortgagesuperhero.com/understanding-collateral-versus-standard-charge-mortgages/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 00:16:56 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Collateral Mortgages]]></category>
		<category><![CDATA[Conventional Mortgages]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Mortgage Renewal]]></category>
		<category><![CDATA[Mortgage Superhero]]></category>
		<category><![CDATA[Standard Charge Mortgages]]></category>
		<category><![CDATA[Toronto Mortgage]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>
		<category><![CDATA[Toronto Mortgage Interest Rates]]></category>
		<category><![CDATA[Toronto Mortgages]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1599</guid>
		<description><![CDATA[More lenders are moving to collateral charge mortgages so it’s becoming increasingly important to understand the differences between a collateral and standard charge mortgage. TD Bank announced in October, 2010 that all new mortgages will be a collateral charge mortgage. ING made the same announcement at the end of 2011 and it is expected that [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Is a 7 or 10 year fixed rate mortgage right for you?</title>
		<link>http://mortgagesuperhero.com/is-a-7-or-10-year-fixed-mortgage-rate-right-for-you/</link>
		<comments>http://mortgagesuperhero.com/is-a-7-or-10-year-fixed-mortgage-rate-right-for-you/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 01:30:22 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[7 and 10 year fixed mortgage rates]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Toronto Mortgage]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>
		<category><![CDATA[Toronto Mortgage Rates]]></category>
		<category><![CDATA[Toronto Mortgages]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1566</guid>
		<description><![CDATA[With long term mortgage rates at an all time low there has been a lot of buzz with consumers who would tend to lean towards a 5 year term to lock into either a 7 year fixed rate or a 10 year fixed rate mortgage. There is a lot to consider apart from rate when [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Rate Drops &#8211; Another reason to use a Mortgage Broker</title>
		<link>http://mortgagesuperhero.com/rate-drops-another-reason-to-use-a-mortgage-broker/</link>
		<comments>http://mortgagesuperhero.com/rate-drops-another-reason-to-use-a-mortgage-broker/#comments</comments>
		<pubDate>Thu, 11 Aug 2011 13:58:14 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Mortgage Superhero]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1521</guid>
		<description><![CDATA[The time between when your mortgage is approved and when you close &#8211; who is watching the rates for you, advising of any significant rate drops and providing you with the best rates right up until closing?  Would your bank call you to let you know of any rate drops?  Very unlikely, but your Mortgage [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/rate-drops-another-reason-to-use-a-mortgage-broker/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Kim Gibbons in the Globe and Mail &#8211; Should you refinance your mortgage for a better rate?</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-quoted-in-globe-and-mail-when-you-should-refinance-your-mortgage-for-a-better-rate/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-quoted-in-globe-and-mail-when-you-should-refinance-your-mortgage-for-a-better-rate/#comments</comments>
		<pubDate>Mon, 13 Jun 2011 11:03:22 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[locking in your mortgage]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Mortgage Superhero]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1496</guid>
		<description><![CDATA[With rates still at historic lows, it may be worth your while to break your current mortgage for a lower rate, saving you not only interest costs but reducing your payment and also reducing your amortization &#8211; so you pay off your mortgage faster!  This may be the right strategy for you. To read the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>More on the New Mortgage Changes &#8211; How they may affect you</title>
		<link>http://mortgagesuperhero.com/more-on-the-new-mortgage-changes-and-how-they-may-affect-you/</link>
		<comments>http://mortgagesuperhero.com/more-on-the-new-mortgage-changes-and-how-they-may-affect-you/#comments</comments>
		<pubDate>Tue, 15 Feb 2011 13:23:38 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Bank of Canada]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[Home Renovations]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Mortgage Superhero]]></category>
		<category><![CDATA[new mortgage rules]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1427</guid>
		<description><![CDATA[The Government announced on January 17th that they will be making changes to their government backed mortgages.  Namely, any mortgage that has less than 20% as a downpayment (with a few exceptions).  The changes are very important and may affect you.  They are as follows: Decrease amortization from 35 years to 30 years effective March [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Kim Gibbons on Global News re: new Mortgage changes announced Jan 17, 2011</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-on-global-news-re-new-mortgage-changes-announced-jan-17-2011/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-on-global-news-re-new-mortgage-changes-announced-jan-17-2011/#comments</comments>
		<pubDate>Tue, 25 Jan 2011 20:40:30 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Mortgage Amortization changes]]></category>
		<category><![CDATA[Mortgage Changes]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1395</guid>
		<description><![CDATA[On Monday Jan. 17th the federal government announced 3 changes concerning government backed (CMHC) mortgages. The three changes as are follows: 1. The maximum amortization will be decreased from 35 years to 30 years. This is effective as of March 18th, 2011 however, if you have an approval prior to that date for a closing [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/kim-gibbons-on-global-news-re-new-mortgage-changes-announced-jan-17-2011/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Kim Gibbons on Global News commenting on TD Canada Trust&#8217;s new mortgage changes effective Oct. 18, 2010</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-on-global-news-commenting-on-td-canada-trusts-new-mortgage-changes-effective-oct-18-2010/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-on-global-news-commenting-on-td-canada-trusts-new-mortgage-changes-effective-oct-18-2010/#comments</comments>
		<pubDate>Wed, 27 Oct 2010 04:52:06 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Mortgage Renewal]]></category>
		<category><![CDATA[new mortgage rules]]></category>
		<category><![CDATA[TD Canada Trust mortgage changes]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1358</guid>
		<description><![CDATA[To watch the interview please click here&#8230; For those considering a TD Canada Trust mortgage, take note. TD Canada Trust made a  sweeping change to their mortgage lending effective October 18th, 2010.  They are no longer registering mortgage via a standard legal charge and will only accept a collateral charge.  This is very important as [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/kim-gibbons-on-global-news-commenting-on-td-canada-trusts-new-mortgage-changes-effective-oct-18-2010/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Should you pay down your mortgage or use the funds to contribute to your RSP?  An interesting opinion in this current investment environment.</title>
		<link>http://mortgagesuperhero.com/should-you-pay-down-your-mortgage-or-use-the-funds-to-contribute-to-your-rsp-an-interesting-opinion-in-this-current-investment-environment/</link>
		<comments>http://mortgagesuperhero.com/should-you-pay-down-your-mortgage-or-use-the-funds-to-contribute-to-your-rsp-an-interesting-opinion-in-this-current-investment-environment/#comments</comments>
		<pubDate>Wed, 11 Aug 2010 02:33:57 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Downsizing your Mortgage]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[Mortgage Prepayments]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1311</guid>
		<description><![CDATA[This is a question I receive from my clients quite often &#8220;Should I use my extra funds to pay down my mortgage or put the funds towards an RSP?&#8221;.  Many times it may make sense to make the RSP contribution, wait for the tax refund and then place the refund onto the principal of the [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/should-you-pay-down-your-mortgage-or-use-the-funds-to-contribute-to-your-rsp-an-interesting-opinion-in-this-current-investment-environment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Kim Gibbons quoted in National Post re: Immediate family gifting a down payment + Guarantors and Co-signers of mortgages</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-quoted-in-national-post-re-immediate-family-gifting-a-down-payment-guarantors-and-co-signers-of-mortgages/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-quoted-in-national-post-re-immediate-family-gifting-a-down-payment-guarantors-and-co-signers-of-mortgages/#comments</comments>
		<pubDate>Thu, 05 Aug 2010 13:29:14 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[Mortgage Co-signers]]></category>
		<category><![CDATA[Mortgage Downpayment]]></category>
		<category><![CDATA[Mortgage Guarantors]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1303</guid>
		<description><![CDATA[Buying a first home can be pretty stressful and will likely impose a fairly hefty financial burden on the purchaser. Many parents and grandparents may be tempted to lend or give money for a deposit or even act as a guarantor or co-signer for a mortgage in order to try to ease the financial pressure [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/kim-gibbons-quoted-in-national-post-re-immediate-family-gifting-a-down-payment-guarantors-and-co-signers-of-mortgages/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Kim Gibbons quoted in National Post article &#8211; Hybrid Mortgages</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-quoted-in-national-post-article-hybrid-mortgages/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-quoted-in-national-post-article-hybrid-mortgages/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 12:48:27 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[hybrid mortgages]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1281</guid>
		<description><![CDATA[There are many things to consider when looking at making a choice to have a hybrid or split mortgage.  The below noted article article touches on a few items only but there are other pros and cons as well.  Although on the upside it may reduce your overall rate risk depending on the product you [...]]]></description>
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