Reminder: Declare Speculation & Vacancy Tax by March 31st
Tick-tock goes the tax clock! ⏰ Don't let the March 31st deadline sneak up on you for the Speculation and Vacancy Tax declaration. Act...
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Keith&Jacqueline
Mar 211 min read
Understanding Tax Reporting Rules for Co-Signed Mortgages: A Guide for Parents
Did you co-sign for your child's mortgage? Or do you have a joint bank account with your minor or adult child? New tax rules for bare...
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Keith&Jacqueline
Mar 141 min read
When Will Rates Come Down?
As we all know, the bank of Canada, maintained their overnight rate last week. Economists and the market are predicting that hopefully by...
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Keith&Jacqueline
Aug 9, 20231 min read
Keith & Jackie's Mortgage Insights
Canadian jobs data was released on Friday and it was a bit of a mixed bag: The BAD news: average wages grew 5.0% y/y vs. June's...
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Keith&Jacqueline
Jan 27, 20231 min read
B.C.’s Cooling-Off Period | Home Buyer Rescission Period
B.C.’s Cooling-Off Period Home buyers are now able to back out of a residential purchase within a set period after signing a contract...
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Keith&Jacqueline
Jan 25, 20231 min read
Amortization Period
The amortization period is the length of time it would take to pay off a mortgage in full, based on regular payments at a certain...
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Keith&Jacqueline
Jan 25, 20231 min read
January 2023 - Bank of Canada Rate Announcement
Today, the BoC made their first interest rate decision of 2023 by raising its policy rate to 4.50%, an increase of 0.25%. This is the...
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Keith&Jacqueline
Nov 23, 20221 min read
Date the Rate & Marry the House
Many of you are wondering: "Is now a good time to buy?" There's this saying in the States that goes, "Date the Rate and Marry the...
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Keith&Jacqueline
Jul 11, 20221 min read
Find The Perfect Mortgage Solution
Have you talked with the bank? Have they played games with you? Have their offers not been the greatest? Whether you’re a...
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Keith&Jacqueline
Mar 30, 20222 min read
Difference Between Deposit and Downpayment
If you’re new to the home buying process, it’s easy to get confused by some of the terms used. The purpose of this article is to clear up...
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Keith&Jacqueline
Mar 23, 20223 min read
Understanding your Employment Status
Chances are if you’re applying for a mortgage, you feel confident about the state of your current employment or your ability to find a...
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Keith&Jacqueline
Mar 16, 20223 min read
Protect Your Credit Through a Divorce
Divorces are challenging as there’s a lot to think about in a short amount of time, usually under pressure. And while handling finances...
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Keith&Jacqueline
Mar 9, 20222 min read
Mortgage Options for Older Canadians
Although it’s ideal to have your mortgage paid off by the time you retire, that isn’t always possible in today’s economy. The cost of...
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Keith&Jacqueline
Mar 2, 20223 min read
Getting a Mortgage After Bankruptcy
Sometimes life throws you a financial curveball. Bankruptcy and consumer proposals happen. It doesn’t mean your life is over, and it...
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Keith&Jacqueline
Feb 23, 20222 min read
Bridge Financing and Deposit Lending
Let’s say you have a home that you’ve outgrown; it’s time to make a move to something better suited to your needs and lifestyle. You have...
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Keith&Jacqueline
Feb 16, 20222 min read
Getting a Mortgage While on Parental Leave
Chances are if the title of this article piqued your interest enough to get you here, your family is probably growing. Congratulations!...
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Keith&Jacqueline
Feb 2, 20222 min read
Protect Yourself at Renewal
It’s a commonly held belief that if you’ve made your mortgage payments on time throughout the entirety of your mortgage term, that the...
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Keith&Jacqueline
Jan 26, 20223 min read
Understanding Payment Frequency
You’ve most likely heard that there are two certainties in life; death and taxes. Well, as it relates to your mortgage, the single...
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Keith&Jacqueline
Jan 19, 20222 min read
Construction Assignments
One of the benefits of working with an independent mortgage professional is having lots of great financing options! Rather than dealing...
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