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Understanding Debt-to-Income Ratio: How It Impacts Your Mortgage Approval
When applying for a mortgage, lenders consider various factors to assess your creditworthiness and determine your eligibility for a loan....

Lisa Belanger
Apr 9, 20243 min read


Down Payment And Mortgage Default Insurance
For most people, the hardest part about buying a home (especially the first one) is saving for the down payment. Many people will not...

Lisa Belanger
Mar 27, 20241 min read


Which Mortgage Is Right for You?
In the complex landscape of real estate financing, selecting the right mortgage type is a pivotal decision that can significantly impact...

Lisa Belanger
Mar 4, 20242 min read


Standard Charges vs. Collateral Charges
When we talk about a standard or collateral charge, we are talking about the legal instrument that is used to register the mortgage terms...

Lisa Belanger
Mar 4, 20243 min read


Land Transfer Tax Refunds for First-Time Homebuyers
Being a first-time homebuyer can be exciting and nerve-racking all at the same time, but having tax breaks to help you save money is now...

Lisa Belanger
Feb 27, 20241 min read


Broker or Bank?
As a Mortgage Broker who has worked in the finance sector for 33 years, first with a major bank for 16 years and a Broker since then, I...
Lisa Belanger Mortgages
Feb 19, 20242 min read


'Pre-qualified' vs 'Pre-approved' ... don't be fooled - they are NOT the same
You've probably come across those ads on the radio, online, and billboards, boasting the speed and ease of getting 'Pre-Qualified' for a...
Lisa Belanger Mortgages
Feb 12, 20242 min read


Homeownership Amid Separation: A Financial Guide for Jointly Owned Properties
Navigating the complexities of spousal separation or divorce is undoubtedly a challenging topic. The fate of a jointly owned home adds an...
Lisa Belanger Mortgages
Feb 6, 20242 min read


Navigating the Down Payment Challenge: Strategies for Homeownership
Embarking on the journey to homeownership in Canada is an exciting venture, but the challenge of assembling a down payment can present an...
Lisa Belanger Mortgages
Feb 2, 20243 min read
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