What’s Taxable under the PST and What’s Not? During the summer of 2011, British Columbians’ participated in a province-wide referendum on the harmonized sales tax (HST). On August 26, 2011, Elections BC announced that residents voted in favour of eliminating the HST and returning to the provincial sales tax (PST) plus federal goods and services […]

Canada Mortgage and Housing Corporation (CMHC) recently introduced two new tools to help Canadians make informed and responsible home-buying decisions – including a calculator and mobile app for home buyers. CMHC’s new Debt Service Calculator allows home buyers to evaluate their financial situation and understand how much they can afford to spend on a mortgage. […]

Will job grow equal rate growth? By Vernon Clement Jones | 03/01/2013 8:00:00 AM | 0 comments Will job growth equal rate growth?  Brokers worried stronger-than expected job numbers for December will spur the Bank of Canada into action may have it wrong, say economists, pointing to an otherwise sluggish economy and the continuing need […]

There are many situations where you may need to ask for help and in some cases someone to cosign for a mortgage. John and Angela owned a home together which they shared with their two small children. When it came time for them to end their marriage, Angela was unable to qualify on her own […]

If a buyer can’t obtain a mortgage due to poor credit, employment history, lack of down payment or income — most lenders will consider lending if there is someone to act as co-signor or guarantor for a mortgage.  The two options provide different requirements. Co-signer or guarantor for a mortgage which is best? People often […]

Growing in popularity over the past few years, the vendor take-back mortgage can help buyers to purchase and sellers to find qualified buyers – especially in a tough market. What is a vendor take-back mortgage – or VTB? When a seller offers to lend the buyer a portion of money towards the down payment – […]

We have all dreamed of buying that beautiful piece of property and building our dream home or cottage.  Once we start to think about how to pay for it – sometimes we stop dreaming and get back to reality.  But many people are doing just that with construction draw mortgages from a few lenders. It […]

Borrowing can be this simple… It is my job to listen to your individual needs, walk you through the process and help you understand how you can make the most of your mortgage, review credit qualifications and clarify terms and conditions. I help you access financing that will work for you today and as your […]

We have all dreamed of buying that beautiful piece of property and building our dream home or cottage.  Once we start to think about how to pay for it – sometimes we stop dreaming and get back to reality.  But many people are doing just that with construction draw mortgages from a few lenders. It […]