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Porting or Replacing your mortgage
Hi everyone! It Josephine Ng, your mobile Mortgage Specialist with TD Canada Trust. Last week I touched a little on IRD and how choosing the wrong term can cost you thousands of dollars. So today I...
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Is it Time for a Mortgage Check-up?
Hi! It’s Josephine Ng, your Mobile Mortgage Specialist with TD Canada Trust. While many of us visit our Doctors and Dentists to ensure our health is in check, how many of us are checking our financial...
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Peace of Mind for a TD Canada Trust Customer…
As a Mortgage Specialist with TD Canada Trust, my goal is to provide new and existing customers with mortgage advice…but with convenience. Since almost 9 out of 10 first-time homebuyers use the...
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Is your Mortgage Coming Up for Renewal?
Here are some interesting stats for you from CMHC. 88% of people who renew their mortgage stay with their current lender 70% of people who refinance their mortgage do not change lenders when obtaining...
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CMHC/Genworth Mortgage Insurance
The first question I get from a lot of first time homebuyers is what is CMHC and what does it stand for? Now there are mainly two mortgage insurers but CMHC stands for Canada Mortgage and Housing...
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Mortgage Payment Plans
Choosing a mortgage with the right combination of features to meet your needs can save you money, reduce the amount of time it takes to pay off your mortgage and most importantly provide you with peace...
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All about VIRM’S (Variable Interest Rate Mortgages)
It seems like the VIRM is the more common mortgage option now adays, especially given the fact that the spread between the discounted 5 year variable closed and 5 year fixed is currently over 2%. Just...
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Buy New or Existing?
With construction of new homes in Calgary soaring, one major choice that homebuyers often have to consider is whether to buy or build a brand new home or move into a previously owned house. As an...
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Looking at Amortizations
One of the most common subjects I have been discussing with clients about in the last few weeks is amortization, so today I wanted to clarify the meaning of it, show you the different options available...
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