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Getting a Second Mortgage in Victoria BC

Getting a Second Mortgage in Victoria BC

With inflation sky-high, you might be considering leveraging the equity in your Victoria BC home to finance an important project or meet a big expense. A second mortgage uses your home as collateral for an additional loan on the property. There are pros and cons to this, which we will discuss below, but first let’s

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What Does a Mortgage Broker Do?

What Does a Mortgage Broker Do?

Shopping for a house in Victoria BC is stressful. Housing prices on Vancouver Island and specifically in Victoria BC just keep on going up, in contrast to dropping prices elsewhere in British Columbia.  With house prices so high, choosing the right mortgage is critical. A lot is on the line when selecting a mortgage, since

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How to Get a First Mortgage with Bad Credit in Canada

How to Get a First Mortgage with Bad Credit in Canada

Times are tough. There’s no denying it. Interest rates are continuing to go up and there is absolutely no indication that they will be coming down any time soon. Even the banks are feeling it and are being extra careful about lending money. So if you are in the market for your first home, but

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Marry the house, Date the rate

Marry the house, Date the rate

You may have heard of this catchy phrase while doing your research in real estate. It simply means you’re committing to a long-term relationship with the house you love. Then you can dump the interest rate when you refinance. This idea is simple and sounds easy, but is this a good idea?  Let’s dissect the

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