Mortgage Blog

Canada's Mortgage Experts

Category: Miscellaneous (25 posts)

CMHC qualification changes self-employed borrowers

CMHC qualification changes self-employed borrowers

July 26, 2018 | Posted by: Darren Brown

Effective October 1, 2018 the Canada Mortgage and Housing Corporation will enhance qualification criteria for self-employed borrowers which will result in much-needed relief. Read the full press r ... [read more]

Ten Mortgage Tips for the Year

Ten Mortgage Tips for the Year

February 28, 2018 | Posted by: Darren Brown

Mortgage rule changes that came into effect January 1 have made rates and qualifying much more complicated, which means it’s important to get in touch as early as possible when ... [read more]

Mortgage Rules Changing Again

Mortgage Rules Changing Again

February 21, 2018 | Posted by: Darren Brown

Purchase or refinance now before rules change in January If you’re looking to buy and will have more than 20 percent down, or if you are considering refinancing, then you might want to do so ... [read more]

Saskatchewan Graduate Retention Program

Saskatchewan Graduate Retention Program

February 14, 2018 | Posted by: Darren Brown

The most challenging aspect of acheiving home ownership is saving the 5% minimum downpayment. This is an especially difficult task for those who are recent post secondary graduates. How can you have ... [read more]

New Mortgage Rules

New Mortgage Rules

February 7, 2018 | Posted by: Darren Brown

New Mortgage Rules- A Game Changer! Yesterday (Oct 3, 2016), the Government of Canada announced sweeping mortgage rule changes that may impact your decision to buy a home or renew/refinance your mo ... [read more]

Your Mortgage- More Than Just Rate!

Your Mortgage- More Than Just Rate!

January 31, 2018 | Posted by: Darren Brown

  Which mortgage features are the most important? It’s easy to look online for a mortgage rate. But rate is only one aspect of saving money on your mortgage over the long term. It&rsquo ... [read more]

Face Off: Bank Vs Broker

Face Off: Bank Vs Broker

January 24, 2018 | Posted by: Darren Brown

  The Stanley Cup final is here, once again Lord Stanley will stay in the USA. Maybe next year will be the year he returns home? I figured this is a good time to talk about the faceoff beween ... [read more]

Fort McMurray Home Owner's Assistance Programs

Fort McMurray Home Owner's Assistance Programs

January 17, 2018 | Posted by: Darren Brown

I will continue updating this list of lenders/insurers that are working to assist Fort McMurray's home owners in the wake of the fire. If you were affected by the fire and you see your lender/insurer ... [read more]

The Anatomy Of An Invis Broker

The Anatomy Of An Invis Broker

January 10, 2018 | Posted by: Darren Brown

If you're considering home financing in Edmonton or Saskatoon, getting your mortgage advice from an Invis broker is almost always a good decision. Here's why... Please contact me with any mortgage ... [read more]

Sunny Days! Spring Home Buying Tips

Sunny Days! Spring Home Buying Tips

January 3, 2018 | Posted by: Darren Brown

Sunny days for spring home buyers.  It’s true the uncertainty in the Alberta and Saskatchewan economies is making some Canadians anxious about their financial security. But the current e ... [read more]

First Time Buyers Tax Credit

First Time Buyers Tax Credit

December 27, 2017 | Posted by: Darren Brown

  $750 for 2015 first-time buyers. Don’t leave money on the table if you bought your first home last year!You may be able to take advantage of the Home Buyers Tax Credit (HBTC) when you ... [read more]

A Mortgage For the Self-Employed

A Mortgage For the Self-Employed

December 20, 2017 | Posted by: Darren Brown

I like to open doors, not build walls. If you're self employed and have hit the wall at your bank, I can help. We pride ourselves on helping self-employed Alberta and Saskatchewan residents find hom ... [read more]

Construction Financing

Construction Financing

December 13, 2017 | Posted by: Darren Brown

There are many different ways to obtain your dream home. For some it's a matter of shopping with a realtor and negotiating price. For others it's building that dream from the ground up. Anyone that' ... [read more]

5 Poor Decisions Before Buying A Home

5 Poor Decisions Before Buying A Home

December 6, 2017 | Posted by: Darren Brown

It's currently a buyer's market in both Edmonton and Saskatoon, but every buyer needs to be aware of things that can cause a deal to collapse or go sideways.  So here are the 5 worst things you ... [read more]

A look At The New Down Payment Rules

A look At The New Down Payment Rules

November 29, 2017 | Posted by: Darren Brown

By now you've probably heard the news that home buyers making purchases over $500,000 will have to increase the size of their down payment. This is not confined to people in Alberta or Saskatchewan, ... [read more]

Are Canadians Saving Enough For Retirement

Are Canadians Saving Enough For Retirement

November 22, 2017 | Posted by: Darren Brown

Are Canadians saving enough for retirement?Many in Alberta and Saskatchewan think of retirement as a time filled with vacations, getaways to the lake and spending more time on hobbies and interests. ... [read more]

10 Great Reasons to Use A Mortgage Broker

10 Great Reasons to Use A Mortgage Broker

November 15, 2017 | Posted by: Darren Brown

Ten great reasons to use a mortgage brokerFor many Canadians, mortgage payments are their single biggest expense. Yet most don’t comparison shop to ensure they’re getting the best mortga ... [read more]

Trudeau's Plan

Trudeau's Plan

November 8, 2017 | Posted by: Darren Brown

  Alberta and Saskatchewan are still clearly PC Country, so what will Justin Trudeau's plan mean for us: Throughout the 78-day campaign, Liberal leader Justin Trudeau has repeatedly pledged h ... [read more]

Invest In Your Retirement And Get A Larger Tax Refund

Invest In Your Retirement And Get A Larger Tax Refund

November 1, 2017 | Posted by: Darren Brown

It's never too early to begin to boost your retirement nest egg and defer tax on income. Many investors borrow in order to take advantage of unused RRSP contribution room, or just to make a large ... [read more]

Your Home's Fall Checklist

Your Home's Fall Checklist

October 25, 2017 | Posted by: Darren Brown

Your Home's Fall ChecklistIt's time to start thinking about preparing your home for the colder weather; a few little things can make a big difference for your home and save you time and money later. ... [read more]

Not Everyone Fits In Box

Not Everyone Fits In Box

October 18, 2017 | Posted by: Darren Brown

People don’t fit in boxes If you need a mortgage, you can try and fit into the neat little boxes at the bank, or you can contact me for personalized service. I have a succesful track record o ... [read more]

Getting That Down Payment

Getting That Down Payment

October 11, 2017 | Posted by: Darren Brown

GETTING THAT DOWNPAYMENT: It might be easier than you think!  For many first-time homebuyers, saving the 5 per cent downpayment is one of the big obstacles to home ownership, especially if you ... [read more]

Divorcing/Separation

Divorcing/Separation

October 4, 2017 | Posted by: Darren Brown

Divorcing/Separating?? Every July thousands of people from Edmonton make the trip to Calgary for the Stampede. Have you heard the stats stating that divorce rates spike after the Stampede? Hopefull ... [read more]

Make it a Smooth Move

Make it a Smooth Move

September 27, 2017 | Posted by: Darren Brown

Make It A Smooth Move! Nine tips to survive the buy/sell Take it from someone who has moved many times, moving is one of the most stressful things we out ourselves through. New info states that onl ... [read more]

2 out of 3 don't shop at renewal

2 out of 3 don't shop at renewal

September 20, 2017 | Posted by: Darren Brown

Every now and then we see a mortgage stat that's a jaw-dropper. This finding from Manulife Bank is one of them. It suggests there are a lot more people with money to burn than one might expect. Ma ... [read more]

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Darren Brown
Darren Brown
Edmonton, Mortgage Consultant
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