Do you have challenged credit? We understand and can help. No upfront fees. Free consultation.

The interest rate a lender gives you depends on a lot of factors, and your credit score is only one of them.

When your lender sends you a renewal notice, 90% of all Canadians sign that letter, without shopping for a better rate. That can cost you thousands every year in interest payments.

If you think you are going to have trouble meeting your mortgage payments, CMHC and Genworth offer early workout plans to avoid default. Call CMHC early, if you wait until you are 2 payments behind, it may be too late.

Sometimes it’s more beneficial to move your existing mortgage to your new home (portability), even if you need to increase your mortgage. Some mortgages allow you to assign your existing mortgage to the buyer (assignable). This is a great marketing point if you have a lower than market interest rate and the buyer can qualify for the mortgage.

When you refinance your home, or pay off your mortgage early, you may be stuck paying some penalties to your lender.