A mortgage loan provides you with the money you need to buy your home. Depending on the amount of money you have available for the purchase, you may be required to take out mortgage default insurance. The Canada Mortgage and Housing Corporation CMHC is the main institution that can offer you this insurance. Find out […]
Having a large sum of money at your disposal is necessary to buy a property. One solution is to take out a mortgage loan. However, the repayment of this loan can generate important expenses in the long term. Fortunately, there are ways to reduce costs and save on your mortgage fees. 1. Store your mortgage […]
When the offer is accepted: Cost of the evaluation (freshly conventional SCHL or GE, $400 $) $________ Cost of the inspection (recommended) $________ Deposit(if required) $________ At the notary: Paid out by the capital outlay $________ Notary expenses $________ Taxes of sale on the insurance premium SCHL or GE $________ Cover letter house insurance […]
Your house seems too big now that the kids are gone? Therefore you want to trade it in for a condominium downtown, imagining yourself walking to the museums, the best restaurants, the nicest shops, etc.? This could be the life you always dreamed of… unless your young neighbours are the party type. You think that […]
CMHC introduce enhancements to its Green Home program for Canadians who purchase an energy-efficient home or make energy-saving renovations to an existing home using CMHC-insured financing. Effective today, the premium refund will increase from 10% to as much as 25% depending on the level of energy efficiency achieved.CMHC is also modifying the program eligibility requirements […]
Here are the calculations to follow: 0,5 % for the first valuable slice not exceeding 50 000 $ 1 % for the valuable slice superior to 50 000 $, without exceeding 250 000 $ 1,5 % for the valuable slice superior to 250 000 $, without exceeding 500 000 $ 2 % for the valuable […]
The property which interests you seems maybe perfect at first sight, but it is important to verify in which state it is really. Now the inspector comes on stage. In Quebec, no regulations supervise this practice, what makes that whoever, from the architect by training to the “self-taught”, can act himself as inspector. Some will […]
Before renewing your mortgage: Here are the main questions you will need to ask yourself before renewing your mortgage: Should I choose a short-term mortgage (for example 2 years) or a longer term? Is it better to opt for a fixed rate or a variable rate? What is my risk tolerance? Is this the best […]
Did you know that: $900.00 on a credit card, at minimum payment, will take 9 years to be paid off??? Recently, one of my clients found himself in a bad financial situation, having spent large sums of money via his credit cards. Before he knew it, he had maxed out five credit cards and racked […]
Mortgage interest rates have declined significantly in recent years. In September 2009, it was possible to find in some institutions interest rate of 4% on a closed mortgage term of 5 years … Never seen, but what about today? In the current context, more and more homeowners are considering breaking their mortgage, even before term, […]
Just a few words to show you how we can be of help, to you and yours!Thanks to our services, Paul and Yolanda, both teachers, have just purchased a motorized camper to live the great adventure on the roads of North America during their summer breaks.With the appreciated value of their split-level home purchased 15 […]
A word to show you how we can be of help, to you and yours. Paul and Stephanie will soon move into the house of their dreams, with a double garage and a large solarium and a spa.A more luxurious house, better adapted to your needs. A dream completely within your reach with the current […]
If unforeseen circumstances prevent you from making your mortgage payments. You mush act without delay. With quick action will can work with you to, find a solution to your financial difficulties that your loan is insured or conventional.Stay informed! The more information you will have to manage your finances, the easier it is to make […]
Protect your investment. Whether you are a new homeowner or if you have owned your home for years, title insurance will offer you peace of mind that you can count on. What does “title” mean? When you buy a home, you are buying the title to the property. It is sometimes also referred to as […]
Here is a real case that we would like to share with you. Virginie and Alexandre have lived in an apartment for 2 years, they want to start a family, they want to have a property with a courtyard, more space, because they feel cramped, lack of privacy so they decided to buy a beautiful […]
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As of 17/09/24
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