Original Article Source Credits:   Better Dwelling , https://betterdwelling.com/

Article Written By:  Stephen Punwasi

Original Article Posted on:  MAY 13, 2021

Link to Original Article:  https://betterdwelling.com/canadas-real-estate-industry-just-asked-osfi-to-loosen-the-mortgage-stress-test/

Original Article Source Credits: the spruce, https://www.thespruce.com

Article Written By: Elizabeth Weintraub

Original Article Posted on:  02/12/21

Link to Original Article: https://www.thespruce.com/steps-to-remodeling-your-kitchen-1798738

Original Article Source Credits:   Houzz , https://www.houzz.com/

Article Written By:  Erin Carlyle

Original Article Posted on:  January 23, 2021

Link to Original Article:  https://www.houzz.com/magazine/top-colors-and-materials-for-countertops-backsplashes-and-floors-stsetivw-vs~144381970

Original Article Source Credits:   HGTV , https://www.hgtv.ca/

Article Written By:  Iris Benaroia

Original Article Posted on:  January 27, 2021

Link to Original Article:  https://www.hgtv.ca/bathrooms/photos/15-bathroom-design-trends-to-watch-out-for-in-2021-1945350/

Original Article Source Credits:   Better Dwelling , https://betterdwelling.com/

Article Written By:  Stephen Punwasi

Original Article Posted on:  JANUARY 25, 2021

Link to Original Article:  https://betterdwelling.com/canadas-real-estate-market-is-the-fastest-growing-in-the-g7-and-the-most-inflated/

Original Article Source Credits:  Global News ,https://globalnews.ca/ 

Article Written By:  Kevin Nielsen

Original Article Posted on:  January 7, 2021 

Link to Original Article:  https://globalnews.ca/news/7561071/2020-home-sales-kitchener-waterloo/

Original Article Source Credits:   CANADIAN MORTGAGE TRENDS , https://www.canadianmortgagetrends.com/

Article Written By:  Steve Huebl

Original Article Posted on:  December 4, 2020

Link to Original Article:  https://www.canadianmortgagetrends.com/2020/12/first-time-home-buyer-incentive-to-become-more-useful-in-select-markets/

Original Article Source Credits:   HGTV , https://www.hgtv.ca/

Article Written By:  HGTV.ca Editorial Team

Original Article Posted on:  November 28, 2020

Link to Original Article:  https://www.hgtv.ca/bathrooms/photos/30-before-and-after-bathroom-renovations-1053018/#

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Original Article Posted on:  07 Dec 2020

Link to Original Article:  https://www.mortgagebrokernews.ca/news/canadas-federal-government-considering-foreign-home-buyers-tax-335996.aspx

Original Article Source Credits:   MortgageBrokerNews.ca , https://www.mortgagebrokernews.ca/

Article Written By:  Ephraim Vecina 

Original Article Posted on:  18 Nov 2020

Link to Original Article:  https://www.mortgagebrokernews.ca/news/crea-ontario-sets-new-record-for-home-sales-inventory-growth-335354.aspx

Original Article Source Credits:   HGTV , https://www.hgtv.ca/

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Original Article Source Credits:   Better Dwelling , https://betterdwelling.com/

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Link to Original Article:  https://betterdwelling.com/canadian-real-estate-price-increases-may-be-solely-due-to-the-bank-of-canada/

Original Article Source Credits:   HGTV , https://www.hgtv.ca/

Article Written By:  Sharon Miki Chan

Original Article Posted on:  October 10, 2020 

Link to Original Article:  https://www.hgtv.ca/decorating/photos/minimalist-design-style-ideas-1942944/#currentSlide=1

As a homeowner, you’re bound to have some form of debt, either as a mortgage, car loan, or credit card. Debt is a very common part of life and is often useful when you cannot afford to pay for what you need in one go. For example, buying a house is a costly commitment and usually requires a mortgage to support your purchase. However, the thing about debt is that if it isn’t managed with care, it can lead to several challenges, especially when life gets unsteady.

Are you thinking about using home equity to improve the status of your home? Employing the equity in your home is a brilliant way to fund renovations as you don’t need to wait too long to obtain the necessary finance. Similarly, as the interest rate on equity loans is lower than most financial products, you won’t find it very difficult to repay it over time. By paying down your high-interest debt, your credit score will improve and you will only have one monthly payment to worry about. 

While many people are aware of the type of house they want to purchase, they often struggle to find the means to finance their dream home. If you are facing a similar struggle, you need to enlist the services of a financial expert to help you create a purchase plan and obtain the finances you need to buy a new house.

If you’ve been caught up with life and haven’t found the time to evaluate your mortgage program, you may have missed out on low-interest rates and numerous benefits. Your existing mortgage may not even be meeting your current needs and financial demands. 

Most first-time homebuyers focus primarily on the features and cost of a new house. However, there are other fees, charges, and costs associated with homeownership that need to be considered. As a mortgage expert, I understand that it is easy to get carried away with the excitement of purchasing a new home and overlook vital costs.

If a borrower is struggling to qualify for a mortgage on account of insufficient credit or poor results after the stress test, using a co-signer can help convince a lender to lend to them. However, many people are not aware of what it means to co-sign on a loan and what is involved before, during, and after the process. This can lead to financial repercussions for both parties in the event of payment defaults.

If you plan on applying for a mortgage for a purchase or refinance, an appraisal might be required. Here are the ways to prepare for one.