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		<title>Kim Gibbons in Feb/Mar issue of Moneysense Magazine &#8211; Financing Renovations</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-in-febmar-2013-issue-of-moneysense-magazine-financing-renovations/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-in-febmar-2013-issue-of-moneysense-magazine-financing-renovations/#comments</comments>
		<pubDate>Mon, 04 Mar 2013 16:10:23 +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[Home Renovations]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Toronto Mortgage]]></category>
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		<category><![CDATA[Toronto Mortgages]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1709</guid>
		<description><![CDATA[Please click here to read the article &#8220;Home Renovation Reality Check&#8221; &#160; 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>CANADA&#8217;S TOP WOMEN IN REAL ESTATE, HOME AND DESIGN: KIM GIBBONS</title>
		<link>http://mortgagesuperhero.com/canadas-top-women-in-real-estate-home-and-design-kim-gibbons/</link>
		<comments>http://mortgagesuperhero.com/canadas-top-women-in-real-estate-home-and-design-kim-gibbons/#comments</comments>
		<pubDate>Tue, 29 Jan 2013 18:45:45 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></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 Refinance]]></category>
		<category><![CDATA[Mortgage Renewal]]></category>
		<category><![CDATA[Mortgage Superhero]]></category>
		<category><![CDATA[Toronto Mortgage]]></category>
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		<category><![CDATA[Toronto Mortgage Brokers]]></category>
		<category><![CDATA[Toronto Mortgage Rates]]></category>
		<category><![CDATA[Toronto Mortgages]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1696</guid>
		<description><![CDATA[Please click here to read the article from Women&#8217;s Post. &#160; Kim Gibbons, ” Your Mortgage Superhero ®” Mortgage Broker FSCO lic. M08001363 416-400-8107 kim@mortgagesuperhero.com www.mortgagesuperhero.com]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/canadas-top-women-in-real-estate-home-and-design-kim-gibbons/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Marketplace takes on TDCT and disclosure of collateral charge mortgages</title>
		<link>http://mortgagesuperhero.com/marketplace-takes-on-tdct-and-disclosure-of-collateral-charge-mortgages/</link>
		<comments>http://mortgagesuperhero.com/marketplace-takes-on-tdct-and-disclosure-of-collateral-charge-mortgages/#comments</comments>
		<pubDate>Tue, 29 Jan 2013 16:22:49 +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[Debt Consolidation]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Mortgage Renewal]]></category>
		<category><![CDATA[Standard Charge Mortgages]]></category>
		<category><![CDATA[Toronto Mortgage]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1675</guid>
		<description><![CDATA[Last week Marketplace on CBC ran an episode called &#8220;Busting the Banks&#8221; where they investigated disclosure of collateral charge mortgages to consumers.  This is a hot topic and I have written an article previous to this about the differences between a standard charge (also referred to as conventional) mortgage and collateral mortgages.  There are different [...]]]></description>
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		<slash:comments>0</slash:comments>
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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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		<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>
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		<category><![CDATA[Toronto Mortgage Brokers]]></category>
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		<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>
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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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		<slash:comments>0</slash:comments>
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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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		<item>
		<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>
		<wfw:commentRss>http://mortgagesuperhero.com/enter-to-win-25000-everyone-can-enter/feed/</wfw:commentRss>
		<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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