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	<title>Mortgage Superhero®</title>
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		<title>An overview of the HST in Ontario &#8211; coming into effect July 1, 2010.</title>
		<link>http://mortgagesuperhero.com/an-overview-of-the-hst-in-ontario-coming-into-effect-july-1-2010/</link>
		<comments>http://mortgagesuperhero.com/an-overview-of-the-hst-in-ontario-coming-into-effect-july-1-2010/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 15:00:05 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[HST]]></category>
		<category><![CDATA[Mortgage Closing Costs]]></category>
		<category><![CDATA[Ontario HST]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1111</guid>
		<description><![CDATA[
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 [...]]]></description>
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		<title>Good and Bad Debt &#8211; Is There a Difference?</title>
		<link>http://mortgagesuperhero.com/good-and-bad-debt-is-there-a-difference/</link>
		<comments>http://mortgagesuperhero.com/good-and-bad-debt-is-there-a-difference/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 00:44:23 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1100</guid>
		<description><![CDATA[
Not all debt is created equally.  Let&#8217;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&#8217;s future such as:

borrowing to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Mortgage Rules &#8211; an ambiguous announcement</title>
		<link>http://mortgagesuperhero.com/new-mortgage-rules-an-ambiguous-announcement/</link>
		<comments>http://mortgagesuperhero.com/new-mortgage-rules-an-ambiguous-announcement/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 20:30:04 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Bank info]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1091</guid>
		<description><![CDATA[Stay tuned for the ever changing interpretation of the 3 new rules to the mortgage industry announced by the Finance Minister yesterday.  His statement was ambiguous at best and many questions still go unanswered about how this will truly affect Canadians.
For instance, when qualifying a client for a variable rate are we using the &#8220;best&#8221; [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Mortgage Rules: A breakdown of what they are &amp; what they mean to you</title>
		<link>http://mortgagesuperhero.com/new-mortgage-rules-a-breakdown-of-what-they-are-what-they-mean-to-you/</link>
		<comments>http://mortgagesuperhero.com/new-mortgage-rules-a-breakdown-of-what-they-are-what-they-mean-to-you/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 04:16:11 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Bank info]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Home Renovations]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1075</guid>
		<description><![CDATA[Minister of Finance, Jim Flaherty announced 3 new mortgage rules to take effect on April 19, 2010.  Keep in mind that these apply to Government backed mortgages &#8211; CMHC insured.  Here are the rules which are excerpts from the announcement , the breakdown, and how they will impact Canadians:
1.  Require that all [...]]]></description>
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		<title>8 Super Tips for Paying off your Mortgage Faster</title>
		<link>http://mortgagesuperhero.com/8-super-tips-for-paying-off-your-mortgage-faster/</link>
		<comments>http://mortgagesuperhero.com/8-super-tips-for-paying-off-your-mortgage-faster/#comments</comments>
		<pubDate>Mon, 08 Feb 2010 17:32:18 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Downsizing your Mortgage]]></category>
		<category><![CDATA[Free Homebuyer Info]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1068</guid>
		<description><![CDATA[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&#8217;ll pay over the long haul.  Here are a few &#8220;super&#8221; tips on how to make [...]]]></description>
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		<title>Are 35 year amortizations for mortgages at risk in Canada?</title>
		<link>http://mortgagesuperhero.com/are-35-year-amortizations-for-mortgages-at-risk-in-canada/</link>
		<comments>http://mortgagesuperhero.com/are-35-year-amortizations-for-mortgages-at-risk-in-canada/#comments</comments>
		<pubDate>Mon, 08 Feb 2010 15:24:09 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Bank info]]></category>
		<category><![CDATA[Bank of Canada]]></category>
		<category><![CDATA[Mortgage Brokers]]></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=1056</guid>
		<description><![CDATA[
Looks like the Governor of the Bank of Canada, Mark Carney doesn&#8217;t agree with Canadian banks that there is a housing bubble in the making.  Luckily, Finance Minister Jim Flaherty has been convinced of the same&#8230;for now, but this may change and we could see an implementation of lower amortizations with a maximum to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Recent Mortgage Brokers survey says borrowers not taking on undue risks</title>
		<link>http://mortgagesuperhero.com/recent-mortgage-brokers-survey-says-borrowers-not-taking-on-undue-risks/</link>
		<comments>http://mortgagesuperhero.com/recent-mortgage-brokers-survey-says-borrowers-not-taking-on-undue-risks/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 20:58:16 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1028</guid>
		<description><![CDATA[Great article in the Montreal Gazette addressing a recent survey commissioned by the Canadian Association of Accredited Mortgage Professionals which indicates that mortgage clients are not taking &#8220;undue risks&#8221; when it comes to mortgages.
I tend to agree as the majority of clients that I see in Toronto and surrounding areas have an adequate buffer to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Let&#8217;s talk 7 and 10 year fixed mortgage rates&#8230;</title>
		<link>http://mortgagesuperhero.com/lets-talk-7-and-10-year-fixed-mortgage-rates/</link>
		<comments>http://mortgagesuperhero.com/lets-talk-7-and-10-year-fixed-mortgage-rates/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 03:36:30 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Renewal]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1008</guid>
		<description><![CDATA[&#8230;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&#8217;s true that rates are historically at their lowest right now and a 10 year mortgage at let&#8217;s [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankers get all the bonuses and Canadians get all the risk</title>
		<link>http://mortgagesuperhero.com/bankers-get-all-the-bonuses-and-canadians-get-all-the-risk/</link>
		<comments>http://mortgagesuperhero.com/bankers-get-all-the-bonuses-and-canadians-get-all-the-risk/#comments</comments>
		<pubDate>Thu, 28 Jan 2010 05:07:51 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Bank info]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=962</guid>
		<description><![CDATA[What a great article this week in the Globe and Mail.  I love it as it shines a light on what is really  going on in the Canadian mortgage market, who the big player on the scene is, who takes the most risks (us), and who gets all the big buck bonuses (not us).
I would [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/bankers-get-all-the-bonuses-and-canadians-get-all-the-risk/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Latest version of the &#8220;Homebuyer&#8217;s Guide&#8221; now available</title>
		<link>http://mortgagesuperhero.com/latest-version-of-the-homebuyers-guide-now-available/</link>
		<comments>http://mortgagesuperhero.com/latest-version-of-the-homebuyers-guide-now-available/#comments</comments>
		<pubDate>Mon, 25 Jan 2010 14:06:54 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Free Homebuyer Info]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=920</guid>
		<description><![CDATA[Please find my latest version of the very popular &#8220;Home Buyer&#8217;s Guide&#8221;.  This comprehensive guide offers a wealth of information &#8211; perfect for a first time home buyer but also a great reference for anyone who is in the home buying process.
Home Buyer&#8217;s Guide &#8211; PDF
]]></description>
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