Author Profile: Shoreline
What is the Canadian First Time Home Buyer’s Incentive, and How Does it Work?
6/25/2019
In the 2019 budget, the federal government announced the First Time Home Buyer’s Incentive (FTHBI) program, which is scheduled to be rolled out on Septem...
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- Mortgage Tips
Bank of Canada Holds Rate Again, For Now; What Should Mortgage Consumers Do?
5/30/2018The Bank of Canada today announced that it’s holding steady on it’s overnight lending rate at 1.25%, which means that, accordingly, bank prime rates wi...
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- Mortgage Tips
So The Bank of Canada Held Rates. What Does That Mean, and What Does That Matter?
3/7/2018What Did They Do? Today, the Bank of Canada held the overnight lending rate at 1.25%. They recently raised it by 0.25% on each of January 17th, 2018, and...
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- Mortgage Tips
How is Your Credit Score Determined?
2/17/2018Your credit score isn’t static; it doesn’t exist until you look at it. Whenever a creditor – that is, a company to whom you apply for credit – inq...
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- Mortgage Tips
IMF Suggests Canada Should Reduce CMHC, Marginalize Canadians
11/28/2013Yesterday, November 27th, 2013, the International Monetary Fund suggested in a report that the Canadian government should at least reduce its participation...
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- Mortgage Tips
What to do on Renewal?
8/9/2012Very often in casual conversation about mortgages, I have people ask me what they should do when their mortgage is up for renewal. The answer is simple. ...
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- Mortgage Tips
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Time to Fix Your Mortgage?
12/2/2011Variable rate mortgages have been the choice for many Canadians over the last decade or so. Many Canadians have benefited over the years by having a vari...
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- Mortgage Tips
Where Is The Newfoundland Housing Market Going?
6/12/2011To have a good estimation of where we’re going, it’s important to have an understanding of where we’ve been. Over the last five years, Newfoundland a...
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- Mortgage Tips
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Fixed or Variable?
6/11/2011One of the most common questions people have when looking at a mortgage is whether they should go with a fixed rate, or a variable rate. The answer, reall...
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- Mortgage Tips
Are Renovations Worth It?
6/9/2011When you’re considering doing renovations to your home, you always need to consider what your plans are with that home. If you’re not planning to stay...
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- Mortgage Tips