NEWS
Mortgage Insurance and Your Borrowing Power
As a Canadian homebuyer or homeowner, your borrowing power is impacted by a few factors. Recent changes to the lending policies announced by CMHC, The Bank of Canada’s qualifying rate and your banks’ Prime Rate and mortgage stipulations are all things to consider when thinking about purchasing a home....more 
Should You Go Fixed or Go Variable?
It is typically one of the first questions someone asks when talking about your mortgage: What’s your rate? While everyone can recall their rate off the top of their head, it tends to be the only detail of the mortgage they can remember. Although the rate is important, your mortgage is so much more than a rate, and if you’re not paying close attention, it can cost you money....more 
Advantages of a Pre-Approval
Getting pre-approved can be a vital step to the home-buying process! But don’t confuse this with pre-qualification; you can get a pre-qualification through the My Mortgage Planner app to determine what you might qualify for. ...more 
What to Know BEFORE You Start House-Hunting
As exciting as it is to start your journey towards home ownership (or even up- and down-sizing), there are a few things you should consider first. ...more 
5 Things to Know Before you Renovate
Renovating your space can be a big project! Before you get started, we have put together a list of the 5 most important things you need to know before you renovate: ...more 
What to Know if You’re New to Canada
Canada has seen a surge of international migration over the last few years. With all these new faces in town wanting to plant roots in this great country, we wanted to touch base on some of the details surrounding mortgages and how new immigrants can qualify to be homeowners. ...more 
Determine Your Monthly Budget
It's easy to get overwhelmed when thinking about your finances, especially if you are saddled with debt. The best way to determine your monthly budget is to start by recording your total monthly income for the family and your total monthly expenses. ...more 
To Defer or Not to Defer
With Canada's major Mortgage Finance Companies (MFC's) and all six big banks offering mortgage deferrals of up to 6 months, as well as case-by-case options from credit unions, one of the major questions currently facing Canadians amid COVID-19 is do you defer your mortgage? ...more 
What You Need to Know Before You Buy
Spring is one of the busiest seasons for retail activity as the good weather gives people lots of time for decluttering, showing the home, garage sales, packing and moving into your new space! Buying a home is an extremely exciting and fulfilling adventure, but before you get started let’s go through some of the most important things you need to know before you buy a home. ...more 
MA Welcomes, Sangeeta Nair – Director of Compliance and Operations
Please welcome Sangeeta Nair, Director of Compliance and Operations, to our great management team at Mortgage Architects! ...more 
Up or Down-Sizing? Get Yourself Mortgage Ready for a Move This Spring!
Moving homes can be triggered by a variety of things, but the most common reason is space…not enough, or perhaps a little too much. ...more 
How to Leverage Your RRSP’s to Buy Your First Home
Are you in the market for your first home? Dreaming of a space you can call your own? If you are an eligible first time home-buyer, then contributing to your RRSP’s before the March 2 deadline can help you increase the funds available for your home purchase. ...more 
Refinancing & Paying a Mortgage Off Faster
By refinancing, you may, at first glance potentially be extending the time it will take to pay off your mortgage, but there are many ways to pay a mortgage off faster and save thousands in interest payments. It is worth speaking to your broker to discuss merging higher interest balances into a mortgage balance....more 
An Age Old Debate
Just about anytime two people of different generations discuss entering the real estate market, the question arises: Who had it easier trying to get into the housing market?...more 
MA is pleased to welcome Jason Marshall to the family!
We are pleased to announce Jason Marshall as our newest (and additional) VP of Western Canada. ...more |
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