23 Nov

Maximizing Your Holiday Budget

Financial Literacy

Posted by: Stephanie Nash

Along with holiday joy come holiday bills, to avoid a sleigh-size tab, plan ahead to save money and maximize the payoff. Here are a few quick tips to make the holidays less stressful on your wallet! Order Online: Avoid getting stuck in the hustle and bustle of holiday shoppers by ordering gifts online from your […]

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23 Nov

Up for Renewal??

General

Posted by: Stephanie Nash

When it comes time to renew your mortgage, most lenders will send you a renewal letter when there is around 3 months remaining on your term. While nearly 60% of borrowers simply sign and send back their renewal without ever shopping around for a more favourable interest rate, I would urge you to take a […]

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1 Nov

7 Steps for Mortgage Prep

Credit

Posted by: Stephanie Nash

Step 1 – Your Credit Score Whether you qualify for a mortgage through a bank, credit union or other financial institution, you should be aiming for a credit score of 680 for at least one borrower (or guarantor), especially if you are putting under 20% down. If you are able to make a larger down […]

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18 Oct

Why Invest in a Home Inspection

First Time Home Buyers

Posted by: Stephanie Nash

While home inspections might not be the most exciting part of your home buying journey, they are extremely important and can save you money and a major headache in the long run. In a competitive housing market, there can sometimes be pressure to make an offer right away without conditions. However, no matter how competitive […]

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9 Oct

Fall Home Tips

General

Posted by: Stephanie Nash

It is hard to believe it is October already! Even though Fall has already started, there are a few things you can do still to ensure your home is well-prepared for the season: Inspect Your Gutters: This time of year it is important to clean and inspect your gutters (replacing as needed) to ensure they […]

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8 Oct

Low Credit is Spooky! Get Better Credit With The 5C’s

Credit

Posted by: Stephanie Nash

Buying your first home is an incredible step in life, but it is not without its hurdles! One of which is demonstrating that you are creditworthy, which all comes down to your ability to manage credit. This is how lenders and credit agencies determine the interest rate you pay. A higher credit rating could mean […]

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3 Aug

Backyard Renovation Ideas!

General

Posted by: Stephanie Nash

With summer underway, it might be time to consider a backyard upgrade! These don’t have to be luxurious or expensive, but a couple tweaks can give your yard a facelift and make your outdoor space feel brand new! Check out my backyard renovation ideas below: Reviving Your Deck: You don’t necessarily have to tear it […]

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27 Jul

Avoid These First-Time Homebuyer Mistakes

General

Posted by: Stephanie Nash

As a first-time buyer, I am here to give you some tips on homebuyer mistakes to be on the lookout for so you can avoid them for the best experience possible! Thinking You Don’t Need a Real Estate Agent You might be able to find a house on your own, but there are still many […]

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20 Jul

Changes to the Stress Test and What You Need to Know

General

Posted by: Stephanie Nash

As you may have heard, the Bank of Canada recently changed the stress test rules as of June 1, 2021. With these changes, now both insured and uninsured mortgage borrowers will be subject to a stricter stress test when qualifying for their mortgage. The new qualifying rate on uninsured mortgages – where the down payment […]

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28 Jun

Throwing the Perfect Summer BBQ

Family

Posted by: Stephanie Nash

It’s the season of outdoor parties and a summer BBQ is the perfect way to enjoy time with friends and family! For some tips on how to make this year’s BBQ your best one yet, check out my list below: Set the Mood: String up fairy lights, plug in a radio with some of your […]

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