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Why is Canada Different?

December 20, 2012


The U.S. mortgage interest rate deduction tax benefit played a limited role in stoking the U.S. housing bubble. This rule is absent in Canada and not a major saviour.

New Mortgage Rules (AKA B-20)

Well the rules are here and we have to live with them!  It is frustrating for us as well as you, the clients.  Lenders are asking for every type of income verification: notice of assessments, tax returns, employment verification letters and current paystubs, bank statements; sometimes you think you have given everything but a blood test and lenders are asking for more.  I think that this is what it is going to be like for the next year for sure whether we like it or not.

Mortgage Rule Changes are Here!

Effective July 9, 2012

As many of you have heard via media releases June 21/22; qualifying for a mortgage has just gotten a bit tighter.  We had actually seen a tightening in approvals of insured mortgages in the past month before the announcement.

Remedies for holiday debt hangovers

Source: Financial Post
December 29, 2010

Does the thought of opening your credit card statement after the holidays send shivers up your spine?

Switch after 12 months??

Source: Canadian Mortgage Trends
September 5, 2010

* Call us today if you have a Prime or Prime Plus mortgage and we will see if we can get you into a lower rate (fixed or variable) mortgage at little to no cost to you! *

One year ago, people were paying prime rate (or higher) for new variable-rate mortgages. Today, the market is down to Prime – 0.70%, or thereabouts.

Regulations come into force to protect Canadian credit card users

Source: Department of Finance Canada
September 1, 2010

The Honourable Jim Flaherty, Minister of Finance, today announced the coming into force of regulations to protect Canadians who use credit cards.

Regulatory Measures Related to Credit

Source: Department of Finance Canada

As part of the measures to improve access to financing and strengthen Canada’s financial system in Budget 2009, the Government noted that it would bring forward measures to help consumers of financial products.

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