Credit Enhancement

Mortgage Insurance – Effective Tool For Lower Interest Rates

As of January 1st, 2018 – new mortgage rules are making it more difficult to get a low rate mortgage. This forces the industry to look for new ways to assist our clients towards finding the best rates. Pre-existing mortgage insurance is one of the effective tools to achieve this. What Is Mortgage Insurance? What
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5 Instant Fixes To Your Personal Credit Rating

So you have bruised credit and do not have a lot of time to address the issues. Here are five – count em’ – five quick changes you can make today to improve your credit immediately. Stop Fighting Your Phone Company This is the most common reason why many Ontario residents have damaged credit. Rogers
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Investing In Real Estate For Dummies (And Not So Dummies)

There are many strong reasons to be investing in real estate today. Property values in many regional markets are still growing – Canada has a healthy immigrant population that needs and will need a place to live – and of course my favorite – mortgage interest rates are still sitting at historical lows. But for
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Payday Loans VS. Debt Consolidation – The Best of The Worst

So you need money and don’t get paid until the end of the week. You’ve tried the bank and they have turned you down based on your credit. The only solution that you can see is another payday loan. Well not true if you own your home. Then there are options. But what is the
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How To Rebuild Your Credit – Fast Like A Ninja

Your credit score is one of the most misunderstood financial tools we have access to as Canadians. What is worse is the misinformation being passed around by pseudo experts. Many of us have gotten into credit trouble at one point or another along the road of life. Here is how to get out of it
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5 Year Mortgage – 5 Things You Need To Know Now

There are a few things we Canadians will not do without like our hockey, maple syrup, and a 5 year fixed mortgage? That’s right. Believe it or not, this mortgage product is as Canadian as they come. There is no doubt as 4 out of 5 new mortgages in 2012 were fixed rate and the
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Debt Reduction – The #1 New Year Resolution…Again

Three years in a row has consumer debt reduction been the #1 resolution for Canadians. This according to a poll conducted for CIBC. The fact that there is no positive change here begs the question: What are we doing wrong? If we can’t clarify the reasons – we won’t be able to make the changes
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