Julia Smirnova | Mortgage Broker, AMP | Mortgage Alliance The Mortgage Chef
with Jean-Remy Rapeneau and Andreas Rieder.
1 dish: MARINATED SCALLOPS CEVICHE
WITH
1 wine: Veuve Clicquot Demi-Sec
Veuve Clicquot Demi-Sec, perhaps, the most «classic» champagne of Clicquot House. Like all wines Veuve Clicquot Demi-Sec is based on the predominance of Pinot Noir. The smell of golden Champagne Demi-Sec rich aromas of ripe fruit, candied fruit with hints of toast and buns. Champagne has a soft, gently sour taste.
( All wine tasting )The Canadian mortgage landscape is in very unique situation. While the bond prices head lower some banks are still charging higher than expected interest rates on their variable rate mortgages. Are you paying more than you should?
The major Canadian banks are still recording substantial profits while they slash the discount on variable rate mortgage by almost half. They’re charging us disproportionately higher fixed rates as well despite near record low funding cost.
Today more than ever there is a significant variance between what rates and options are available in the mortgage market. Only mortgage professionals like me will have all the information and choices that are offered by all lending institutions and not just the banks.
Regardless if you have an existing mortgage or are currently in the market for one. Call at 416-720-3331 or email me at julia@mortgagechef.ca and let’s together give your mortgage a check-up. It’s free and with no obligation.
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mortgage_chef at MAC 'Super App' expands lending optionsMortgage Alliance is making it easier for brokers to access lenders, with the launch of a new “Super App” module for its MortgageBOSS. The one-step program allows brokers to input application details, electronically canvass top broker lenders for “the best fit” and, with the push of a button, send it off to one of those lenders.
( The fact is )
The MAC Rally of Hope motorcycle participants will be arriving in Toronto on Saturday, July 23rd, 2011 at 3pm. www.macrallyofhope.ca
We are asking our community to come together as one big family on this day and help to raise more funds for the most relevant breast cancer research
institution in the country, the Canadian Breast Cancer Foundation.
Live Music, fresh food and beverage, face painting, clowns, sport bounce for kids and much more activities are guaranteed. Our very own City of Vaughan mayor, Maurizio Bevilacqua will be here and so should you. Please join us on this day, bring your family and friends and help us make this event a success.
We are also looking for volunteers and donations to the various silent auctions as well. Many of you have responded already but there is still time to help. Please let me know if you are planning on attending, volunteering or donating to the silent auctions. Thanks to all of you for your support. We have already raised $80,000 for the Canadian Breast Cancer Foundation.
Together we can make the Difference!
Date: Saturday, July 23rd, 2011
Time: 3:00p.m. to 5:00p.m.
Where: 1750 Steeles Ave. West, Vaughan ON L4K 2L7
If you have any questions please contact me directly 416-720-3331 or email me at julia@mortgagechef.ca
Most Ontario consumers don’t realize their credit scores can determine what they pay for home insurance.
A variety of factors can keep you from qualifying for a mortgage. The big ones include a low credit score, insufficient income for the size of the loan you want, insufficient down payment and excessive debt. All of these factors are within your control, however. Let's take a look at your options for overcoming any liabilities you may have as a borrower
http://www.mortgagebrokernews.ca/tv/bori
Merix Financial's President Boris Bozic discusses recent mortgage rule changes in relation to a newly elected Federal government, as well as the trailer fee debate and the topic of broker ethics.
Last September, my wife and I started scouring the city for a new house. We were living in a cozy bungalow, but with a growing kid and another on the way, we decided it was time to move.
Buying a new house is, of course, expensive, so I wanted to do whatever it took to reduce my costs. Most of the fees couldn’t be avoided, but there was one costly payment I desperately wanted to steer clear from: The mortgage penalty charge.
While plenty of individuals live from paycheque to paycheque, most consumers know they should be saving money and reducing debt. The recession has drummed that concept into everyone's head as people have watched their neighbours and friends lose jobs and sometimes their home.
Fred sold his house in April 2010, but he’s still fighting with his mortgage lender about the cost of getting out early.
He knew he’d be penalized to break out of a five-year closed mortgage with 26 months left in the term. But he figured he paid $3,000 too much because of the way the penalty was calculated.
T
Spring fever! Ahhhh — that hint of warmth in the air, bursting buds, the caress of sunshine. Oh yes, and a new home.
Nothing compares to the excitement of abode shopping except, perhaps, love. And spring is definitely the season for both.
More of Canada’s big banks say they will lower some of their fixed rate mortgages as nervous investors move to bonds, causing a drop in long-term interest rates.
As of Thursday, TD Bank, National Bank, Royal Bank of Canada, Bank of Montreal, CIBC, Scotiabank, Desjardins Group and Laurentian Bank had all made mortgage rate change announcements.
TD Bank, CIBC, Laurentian, Desjardins and National Bank say their fixed five-year closed rates will drop to 5.34 per cent, effective Thursday, while Scotiabank’s will be 5.29 per cent.
The move follows similar announcements from Royal Bank of Canada and Bank of Montreal Tuesday.
Four-year rates will fall 0.15 percentage points to 4.99 per cent at all eight.
Fixed mortgage rates, which are closely tied to bond markets, tend to fall when traders shift investment activity from riskier equity assets toward bonds, which are considered safer.
Investors have been jittery over fears that a potential nuclear disaster in Japan could severely derail the global economic recovery.
In February, many of Canada’s big banks moved to raise their fixed mortgage rates as investors grew more confident about investing in equity markets and the global economy appeared stronger.
CMP
CMP
The number of women breaking into the top executive jobs at Canadian companies remains small, growing at a snail’s pace, according to a new survey by Catalyst Canada.
The average Canadian who files for bankruptcy owes $59,800 not counting his mortgage and is a 41-year-old married man with four credit cards, according to a report by a Kitchener-based bankruptcy trustee.
After you find a home that is aesthetically appealing, the next step is to ensure the house is in top condition with a home inspection. Once the buyer and seller have settled on price, it's the last safeguard for the buyer to know that the soon-to-be-purchased home is really worth the money inside and out. But a home inspection is never a guarantee that your new home is going to be in perfect working order.
( 1. Heating, Ventilation and Air Conditioning )
Why do mortgage rates rise quickly but fall like molasses?
That’s the question posed by an article in the latest issue of the Bank of Canada Review, and it’s a good one.
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