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Category: Mortgage Advice

The Mortgage Stress Test: What Can You Afford in Victoria, BC?

If the thought of passing the mortgage stress test is bringing back memories of sweating through high school exams, you’re not alone. The government originally introduced a minimum qualifying rate in 2016 to ensure that borrowers would be able to afford their homes even if interest rates rise, incomes change, or families are faced with

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Debt and Inflation: 4 Ways Your Home Can Help You

Does it feel like you’re drowning in debt? Has rising inflation got you down? It’s common to feel stressed when the economy is changing around you. If you own your home, the solution might be right in front of you. Mortgage financing can help you restructure your debt. By giving yourself some breathing room, you’ll

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Lawyer vs Notary Public for Your Mortgage: What’s the Difference?

Lawyer vs Notary Public for Your Mortgage: What’s the Difference?

British Columbians are some of the lucky few in Canada who have a choice when it comes to selecting their legal representative to complete their real estate purchase, sale, or refinance transaction. They have the choice between a Lawyer and a B.C. Notary Public. But what’s the difference?

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Hold That Mortgage Rate!

5 things to know about mortgage rate holds in Victoria, BC When interest rates are rising, it’s natural to want to hold or reserve the current mortgage rates until you can find the property that suits you. While that sounds like it should be simple, the actual process is a bit more complicated. There are

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