The holidays can be a joyful time of year. They are a time for relaxation, celebration and coming together with the people you love most. Unfortunately, all the traveling, entertaining, gifting and feasting comes with a large price tag. On average, each Canadian planned to spend $1,517 during the holiday season last year, according to…
Deciding you’re ready for home ownership is just step one on your long journey. Then you need to get your financial situation under control in order to be able to actually afford to purchase a home. The typical down payment on a conventional mortgage is twenty percent of the purchase price of the home. Mortgage…
It is a given that anyone with a mortgage wants the lowest possible rate. But there is a wide range of requirements for that stop borrowers from getting the best all-around deal, and some of them are counter-intuitive. Once a homebuyer has chosen the term and rate type for their mortgage, they often discover that…
We’re all much easier to satisfy during the summer months. School is out. Schedules and attitudes are more laid back. An evening of entertainment may simply need a few lawn chairs for the adults and a sprinkler for the kids to jump through. Take advantage of that easygoing atmosphere and your budget will thank you! Cook…
We all know that in the summer months, municipal water use doubles! It’s the season when Canadians are outdoors watering lawns and gardens, filling swimming pools and washing their cars. Summer peak water demand places stress on municipal water systems, as a result, increasing costs for tax payers and water users. When water supplies diminish…
Before meeting with a real estate agent to go house hunting, it’s a good idea to meet with a loan officer first to make sure you qualify for the type of mortgage you desire. Once you have an idea of what suits you best, learning the steps to getting a mortgage comes next. The best place…
When it comes to insurance, the four day rule is so simple, yet can cost you thousands of dollars in penalty if you don’t know about it. It is one of those fine print insurance clauses that you may not be aware of unless you are one of the few that reads their policy cover…
Meet the CFF Bank EASYONE account. The smart and easy, all-in-one banking solution. This account offers customers the ability to take advantages of both a savings account and an unsecured line of credit with one simple, easy to use account. And now for a limited time… you can take advantage of the following: …
Like any big life decision or major purchase, buying your first home demands careful consideration, planning and preparation. However, not everyone has the patience and time to do the research. Some mistakes can and should be avoided especially if they end up costing home buyers a lot of money. Read on for a list of the most…
You are a considering becoming a first time home buyer and you may have a lot of questions about mortgage loans. If you would like to understand the home buying process better and are looking for that perfect mortgage feel free to contact me to get all the information you require. For most first time…
