Original Article Source Credits: Benefits Canada, https://www.benefitscanada.com/

Article Written By: NA

Original Article Posted on: 18th December 2020

Link to Original Article: https://www.benefitscanada.com/investments/strategies/head-to-head-should-pension-plans-be-investing-actively-or-passively-154461

Original Article Source Credits:   Benefits Canada , https://www.benefitscanada.com/

Article Written By:  NA

Original Article Posted on:  NA

Link to Original Article:  https://www.benefitscanada.com/news/esg-issues-seeing-pension-plans-focus-on-ethical-responsible-investing-152850

COVID-19 has created instability in employment, which has left banks trying to minimize the risk of defaults and subsequent losses. Therefore, banks are being more careful than usual in identifying and confirming sources of income for mortgages.

Original Article Source Credits:   The Balance  , https://www.thebalance.com/

Article Written By:  Dori Zinn

Original Article Posted on:   October 09, 2020

Link to Original Article:  https://www.thebalance.com/difference-mortgage-protection-and-term-life-insurance-5081358

Original Article Source Credits:   CANADIAN MORTGAGE TRENDS , https://www.canadianmortgagetrends.com/

Article Written By:  Steve Huebl

Original Article Posted on:  November 11, 2020

Link to Original Article:  https://www.canadianmortgagetrends.com/2020/11/optimism-returns-to-the-markets-could-fixed-rates-start-to-rise/

Original Article Source Credits:   Calgary Herald , https://calgaryherald.com/

Article Written By:  Joel Schlesinger 

Original Article Posted on:  Nov 20, 2020

Link to Original Article:  https://calgaryherald.com/life/homes/new-homes/many-canadian-home-buyers-misguided-about-mortgages-survey-finds

Original Article Source Credits:   The Star , https://www.thestar.com/

Article Written By:   David Aston

Original Article Posted on:   Nov. 22, 2020

Link to Original Article:  https://www.thestar.com/business/personal_finance/opinion/2020/11/22/our-strange-times-mean-fixed-rate-mortgages-have-a-rare-edge.html

Original Article Source Credits:   CANADIAN MORTGAGE TRENDS , https://www.canadianmortgagetrends.com/

Article Written By:  Steve Huebl

Original Article Posted on:  September 29, 2020

Link to Original Article:  https://www.canadianmortgagetrends.com/2020/09/pandemic-has-increased-homebuying-intentions-among-young-canadians/

Original Article Source Credits:    CANADIAN MORTGAGE TRENDS , https://www.canadianmortgagetrends.com/

Article Written By:  Steve Huebl

Original Article Posted on:  September 10, 2020

Link to Original Article:  https://www.canadianmortgagetrends.com/2020/09/bank-of-canada-reaffirms-its-low-rate-outlook/

Original Article Source Credits:   Better Dwelling , https://betterdwelling.com/

Article Written By:  NA

Original Article Posted on:  SEPTEMBER 27, 2020

Link to Original Article:  https://betterdwelling.com/this-weeks-top-stories-canadian-real-estate-prices-forecasted-to-fall-as-households-make-fewer-payments/#_

Creating beautiful memories in a cozy new house, which is spacious and has all the latest mod-cons, is the dream of millions. However, if you're looking to secure a mortgage to fund this aspiration, you may have tons of questions about mortgages but may find it tricky to get all the answers that you're seeking.

As the housing authorities have enforced stricter rules on lending amid the recession caused by the pandemic, for a mortgage borrower, it can be a confusing time. Seeking advice from a mortgage specialist during these volatile times can be your best bet in understanding these market conditions. However, amidst the crisis, there have been certain misconceptions surrounding the role of mortgage brokers and their service among borrowers.

Your future home won’t cost you an arm or a leg if you set a proper financial plan. So, before you jump-start the homeownership process, it’s important to understand your financial picture. It will give you an idea of the type of mortgage product you will have to opt for. However, as a house is a significant investment and a mortgage is a major responsibility, it’s advisable to seek guidance from an expert who is well connected with various financial resources, like a mortgage broker. 

Many of us say that money doesn’t drive us. Common excuse: “I will never be a millionaire, so might as well live day by day!”. We have to admit, though…. Whether we like it or not, the ill-fated dollars and cents drive our lives. It’s based on how much we can earn that determines what we buy, where we live, how we live!

The COVID-19, or coronavirus, has left all of us in an unprecedented situation with unknown threats, the fear of financial instability, and with the uncertainty of an unknown and scary near future.

Finding the right mortgage that suits your needs and fits your budget requires you to go through several intricate steps. You need to consider the rate of interest, terms of payment, and also other factors such as the lender’s experience and reputation. As a layperson, shopping for a mortgage can be difficult and confusing. Therefore, it’s best to enlist the services of an experienced mortgage agent. 

Most lenders require a beacon score of 650 points to qualify for a regular bank mortgage.

Here’s a little summary to show you how credit scores are compiled:

Are you taking advantage of Internet Banking to maximize your credit score, and even repair your credit, if needed? Sounds crazy? Not really... The main reason for low credit scores and credit troubles is due to the fact that people commit to borrow when they think it's affordable, and then fall for the traps of the marketers. "Don't pay for six m

As a layperson, finding insurance or mortgage products that compliment your needs can prove to be quite a difficult task. To ensure that you get the ideal insurance policies and lucrative mortgage products, it’s advisable to enlist the services of a mortgage agent, insurance, and investments advisor to help you sieve through your options and make the right choice. With so many professionals available, it can be daunting to sieve through the options and make the right choice. To help make this selection easier, here’s a list of the top five things to look for when hiring a mortgage agent, insurance, and investments advisor.

Stay well informed, make sure you are dealing with reputable professionals, don't be afraid to ask questions, and if it sounds suspicious, it probably is...

It is ok to ask to take away paperwork and have it seen by another professional, before you commit to sign.