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	<title>Mortgage Superhero®</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>

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		<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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		<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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		<title>Kim Gibbons on CTV National News &#8211; Historic low 5 year fixed rate at 2.99%</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-on-ctv-national-news-historic-low-5-year-fixed-rate-at-2-99/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-on-ctv-national-news-historic-low-5-year-fixed-rate-at-2-99/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 22:50:05 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Superhero]]></category>
		<category><![CDATA[Toronto Mortgage]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>
		<category><![CDATA[Toronto Mortgage Rates]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1553</guid>
		<description><![CDATA[The 5 year fixed rate has hit it&#8217;s all time historic low at 2.99% but keep in mind that a mortgage is more than just a rate.  BMO&#8217;s promotional 2.99% 5 year rate comes with its catches so dig a bit deeper to understand the terms.  The maximum amortization is 25 years not 30 so [...]]]></description>
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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>
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		<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>Enter to Win $25,000!  Everyone can Enter!</title>
		<link>http://mortgagesuperhero.com/enter-to-win-25000-everyone-can-enter/</link>
		<comments>http://mortgagesuperhero.com/enter-to-win-25000-everyone-can-enter/#comments</comments>
		<pubDate>Tue, 17 May 2011 12:08:02 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1472</guid>
		<description><![CDATA[I want to tell you about a great new contest from Mortgage Intelligence This year, we at Mortgage Intelligence celebrate our 500,000th mortgage client with our biggest giveaway ever! Everyone&#8217;s invited to enter &#8211; no purchase or mortgage necessary! Imagine what you could do with $25,000: afford a downpayment build my dream kitchen pay down [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Kim Gibbons on Global News Re: current hot real estate market</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-on-global-news-re-current-hot-real-estate-market/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-on-global-news-re-current-hot-real-estate-market/#comments</comments>
		<pubDate>Wed, 02 Mar 2011 13:41:18 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[Mortgage Amortization changes]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Changes]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></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=1442</guid>
		<description><![CDATA[As the deadline for the new changes for amortizations from 35 to 30 years approaches, this appears to have fueled a very busy real estate market in Toronto.  There are certainly more clients purchasing and having their closing set after the March 17th deadline but will this boom in the market continue throughout the spring? [...]]]></description>
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		<slash:comments>1</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 CTV News re: Flaherty warns of higher interest rates</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-on-ctv-news-re-flaherty-warns-of-higher-interest-rates/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-on-ctv-news-re-flaherty-warns-of-higher-interest-rates/#comments</comments>
		<pubDate>Tue, 15 Feb 2011 12:39:20 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[Bank of Canada]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[Holiday Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[locking in your mortgage]]></category>
		<category><![CDATA[Mortgage Amortization changes]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></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=1422</guid>
		<description><![CDATA[To read the article and watch the video please click here&#8230; Kim Gibbons, ” Your Mortgage Superhero ®” Mortgage Broker FSCO lic. M08001363 416-400-8107 kim@mortgagesuperhero.com www.mortgagesuperhero.com]]></description>
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		<title>Kim Gibbons on Global TV&#8217;s Focus Ontario &#8211; New Mortgage Rules</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-on-global-tvs-focus-ontario-new-mortgage-rules/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-on-global-tvs-focus-ontario-new-mortgage-rules/#comments</comments>
		<pubDate>Tue, 15 Feb 2011 12:32:16 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[Mortgage Amortization changes]]></category>
		<category><![CDATA[Mortgage Changes]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Mortgage Superhero]]></category>
		<category><![CDATA[new mortgage rules]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1413</guid>
		<description><![CDATA[To view the interview please click here&#8230; Kim Gibbons, ” Your Mortgage Superhero ®” Mortgage Broker FSCO lic. M08001363 416-400-8107 kim@mortgagesuperhero.com www.mortgagesuperhero.com]]></description>
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