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	<title>Mortgage Superhero®</title>
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		<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>
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		<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 on Global News discussing mortgage rates and the Bank of Canada</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-on-global-news-discussing-mortgage-rates-and-the-bank-of-canada/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-on-global-news-discussing-mortgage-rates-and-the-bank-of-canada/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 01:34:11 +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[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[Kim Gibbons]]></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=1297</guid>
		<description><![CDATA[Bank of Canada increased their overnight rate on July 20, 2010 by .25% which brings the prime rate to 2.75%. Variable rates are still a great deal and now the best 5 year closed variable is at prime &#8211; .65% or 2.10%. To watch to video clip from Global News please click here&#8230; Kim Gibbons, [...]]]></description>
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		<slash:comments>1</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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Type of Mortgage Borrower are you?</title>
		<link>http://mortgagesuperhero.com/what-type-of-mortgage-borrower-are-you/</link>
		<comments>http://mortgagesuperhero.com/what-type-of-mortgage-borrower-are-you/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 14:24:07 +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[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=1275</guid>
		<description><![CDATA[When getting a mortgage &#8211; or when reviewing your current mortgage strategy &#8211; it is helpful to begin thinking about the mortgage options with which you would feel most comfortable.  By having an understanding of your priorities and preferences the mortgage process will become more efficient and your satisfaction over the term of your mortgage [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>As expected &#8211; Bank of Canada increases overnight rate by .25%</title>
		<link>http://mortgagesuperhero.com/as-expected-bank-of-canada-increases-overnight-rate-by-25/</link>
		<comments>http://mortgagesuperhero.com/as-expected-bank-of-canada-increases-overnight-rate-by-25/#comments</comments>
		<pubDate>Tue, 01 Jun 2010 17:58:36 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Bank of Canada]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1269</guid>
		<description><![CDATA[As widely speculated, the Bank of Canada has increased their overnight rate by .25%..  How does this affect you?  Well if you are in a variable rate mortgage then expect the prime rate to increase from 2.25% to 2.50% and your payment to increase by .25%.  This translates to an increase of $12-18 payment per [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/as-expected-bank-of-canada-increases-overnight-rate-by-25/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Kim Gibbons on Global News discussing Credit Bureaus &amp; Mortgages</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-on-global-news-discussing-credit-bureaus-mortgages/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-on-global-news-discussing-credit-bureaus-mortgages/#comments</comments>
		<pubDate>Wed, 26 May 2010 21:36:43 +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[Kim Gibbons]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1249</guid>
		<description><![CDATA[Sean O&#8217;Shea from Global News caught me in between Victoria Day barbeques to discuss the importance of your credit bureau as it pertains to obtaining a mortgage. click here to watch the news segment]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/kim-gibbons-on-global-news-discussing-credit-bureaus-mortgages/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding the Trends Behind Mortgage Interest Rates</title>
		<link>http://mortgagesuperhero.com/understanding-the-trends-behind-mortgage-interest-rates/</link>
		<comments>http://mortgagesuperhero.com/understanding-the-trends-behind-mortgage-interest-rates/#comments</comments>
		<pubDate>Fri, 23 Apr 2010 13:00:51 +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[First Time Homebuyers]]></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 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=1222</guid>
		<description><![CDATA[The Bank of Canada is expected by many economists to raise short-term interest rates in June or July, prompting many homebuyers and mortgage holders to ask whether a variable-rate mortgage or a fixed-rate mortgage is best for them. How, exactly, are mortgage rates offered by lenders determined?  Many Canadian mortgage holders are surprised to learn [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/understanding-the-trends-behind-mortgage-interest-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Kim Gibbons on Global News Discussing Mortgage Interest Rates</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-on-global-news-discussing-mortgage-interest-rates/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-on-global-news-discussing-mortgage-interest-rates/#comments</comments>
		<pubDate>Wed, 21 Apr 2010 20:14:28 +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[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Kim Gibbons]]></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=1186</guid>
		<description><![CDATA[Take a look at the Global News &#8211; Consumer SOS report from April 20th where a discussion of interest rates took place on the heels of the Bank of Canada overnight rate announcement: click here for the link]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/kim-gibbons-on-global-news-discussing-mortgage-interest-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Mortgage Rules Start Today</title>
		<link>http://mortgagesuperhero.com/new-mortgage-rules-start-today/</link>
		<comments>http://mortgagesuperhero.com/new-mortgage-rules-start-today/#comments</comments>
		<pubDate>Mon, 19 Apr 2010 13:52:40 +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[interest rates]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Mortgage Superhero]]></category>
		<category><![CDATA[Mortgages- Rentals & Second Homes]]></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=1140</guid>
		<description><![CDATA[The new mortgage rules that the Federal Government has imposed take effect today. Here are the new rules and how they may affect you: 1. Qualifying rates have changed for variable rates and fixed rates with terms of 1-4 years for mortgages that are insured via CMHC and other insurers. This means for purchasers that [...]]]></description>
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		<slash:comments>1</slash:comments>
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