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Top 5 Things Millennials Should Know When Buying Real Estate There are 9 million Millennials in Canada, representing more than 25 percent of the population. Born between 1980 and 1999, the eldest are in the early stages of their careers, forming households and...
In December, Mortgage Professionals Canada released its annual state of the housing market report and found that in 2015, 36% of homeowners took actions to reduce their mortgage debt. While many homeowners think in terms of lump-sum payments, which are a great...
Credit Reporting New credit reporting and what it says about you and your spending habits may make all the difference between you buying a home now or later. When home buyers contact GLM to apply for a mortgage, we always review their credit report with them...
So, you’ve worked hard to save every penny and have managed to finally afford the down payment necessary on a home. You have searched high and low, only to find the house of your dreams at a price you can afford. Though your credit rating is good and you have a stable...
Shopping for a new home can be fun and exciting, but there are many details that contribute to a property’s marketability. Mortgages that have the lowest total cost are reserved for the most marketable properties that are in prime locations as per the lender’s...
A lot can change in a year when it comes to mortgages. These changes can provide great opportunities for mortgagees to refinance their mortgage at the time of renewal in order to save money. Unfortunately, most people are under the impression that once they...
Divorce and your Mortgage When tough times put stress on families sometimes the end result is divorce. While no one ever wants to see this happen sometimes it is inevitable. Recently, CMHC changed the rules about how much a house can be refinanced for, they have set...
8 Considerations For The First Time Home Buyer 1. Create yourself a Budget and stick to it, so you can keep your finances on track. Planning a budget will help you identify uneconomical expenditures and help you achieve your financial goals. Having a budget can also...
Did you know you can get a mortgage for renovating your home? Many home buyers and existing home owners are deciding to get more bang for their buck by purchasing a home that needs some improvements. Whether you are renovating at the time you buy or waiting for a few...
It's that time of year again when property taxes are coming due. Did you know that the average homeowner saves about $600.00 with the home owners grant? On the bottom of your property taxes you will notice a section called "Home Owner Grant Application". Make...
Most of us that have a mortgage would like nothing more than to have our mortgage paid off. Being mortgage-free is an achievable goal. But it is important to think through the process so that you utilize your money the best way possible. You may be surprised what...
Creating a Pension Plan What’s a pension? I don’t have one. In today’s day in age there are not many people that will have one when they retire. So it’s up to us, as individuals, to create our own – build your net worth from within. There are many ways to create a...