Mortgage Broker

Self-Employed? Work with a Mortgage Broker to Secure Home Financing

Posted by Brad Speniel | May 22, 2015 at 11:54 am

ESTIMATED READING TIME: 2 minutes

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While freelancers, contractors, entrepreneurs and small business owners are considered an excellent and reliable customer group, it’s not always easy for someone who is self-employed to get mortgage financing. Salaried employees prove their income with their T4 slips. The self-employed on the other hand have a much harder time proving their
earnings because they use accounting techniques to report lower income so that taxes are reduced as much as possible.  This can make it harder to prove to lenders that they can afford to make their mortgage payments.

more Self-Employed? Work with a Mortgage Broker to Secure Home Financing

Five Tips for First Time Home Buyers

Posted by Brad Speniel | May 22, 2015 at 11:51 am

ESTIMATED READING TIME: 4 minutes

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Although mortgage debt is good debt, buying your first home is a huge financial decision and there is a lot to think about. In fact, it is one of the most important financial decisions you will make in their lifetime, but there is no need to shy away from home ownership. Here are five first time home buying tips to help you get off on the right foot in your home buying journey.

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Canadians are Relying on Mortgage Brokers

Posted by Brad Speniel | May 22, 2015 at 11:46 am

ESTIMATED READING TIME: 3 minutes

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Recently, Canadians have been trusting mortgage brokers to secure their first and next mortgage, taking advantage of the value and convenience of their services.  A 2011 study conducted by CMHC (Canada Mortgage & Housing Corp) found that 48 per cent of first-time buyers completed their transaction with a mortgage broker, up from 45 per cent in 2009 and 35 per cent in 2007. Let’s talk about why Canadians are relying on the
professionals to help find the best mortgage solutions for their unique financial situations.

more Canadians are Relying on Mortgage Brokers

Realtors – Be a Specialist, not a Generalist

Posted by Brad Speniel | May 22, 2015 at 10:57 am

ESTIMATED READING TIME: Less than a minute

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We have all heard the saying “Jack of all trades, master of none.” Unfortunately, when it comes to business, many people succumb to this exact flaw. In the real estate industry, it is impossible to be an expert in everything – the trick is to embrace your specialty and become the respected name when it comes to that specific niche. Being a generalist in the industry will not make you rise above the rest, being a specialist will.

Topics: Mortgage Broker