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What You Should Know Before Buying a Home

Buying a home can be a daunting process. It is one of the biggest and most important financial decisions people make. It thereby is a process that requires time & effort to ensure you get the home you want for the right terms and price. Below are some of the top things you should know before getting into the housing market Career: Lenders want to see applicants in a stable career. This typically ...

Saving For a Down Payment?

Are you looking to get into the housing market? You’ve attended a few open houses and have been following the market for months, but now reality is setting in. A down payment will be necessary to buy your first home. Below are some of the top ways to save for a down payment. Scale down Your Lifestyle: Finding less expensive ways to do the things you enjoy, or foregoing ...
Tags: Mortgage Home

Renovations That Improve or Hurt Your Home's Resale Value

­ Want to renovate your home to better suit your lifestyle and also increase your home’s resale value?­­­ Here are some of the top renovations to increase the beauty and functionality of your home without hurting its resale value: ­ ­ ­ Bathroom Refurbish: Short of a full remodel, there are numerous subtle changes to a bathroom that will increase ...

What Goes Into Your Credit Score?

­Credit score is important when applying for a mortgage. Do you know all that goes into your credit score­­ ­Below is a list of the major components that make up Canadian’s credit score.­ ­ ­ ­ ­ ­1. Payment History­ Payment history is one of the most important aspects of an individual’s credit score. People are rated from ...

A sense of Family

We often hear about companies that strive to create a culture of welcome and support for their employees and customers.  Culture is perhaps one of the most challenging aspects of any business because it directly reflects on much more than just an employees experience.  It has a significant impact on the customer and their relationship with our brand. CENTUM is a part of the Charlwood Pacific ...

The Challenge of being Millennial

In recent years there has been a surge of discussion surrounding the challenges that Generation Y, or the Millennials, will be experiencing as they enter the work force.  The key items of discussion are (a) Education Costs (b) Cost of housing - both important topics because they both heavily impact an entire generations ability to be upwardly mobile. If we consider first the cost of education ...

Centum Financial Group Appoints New CEO

Centum Financial Group Appoints New CEO   VANCOUVER, BC (February 4, 2014) – Centum Financial Group, part of the Charlwood Pacific Group of companies (CPG), is pleased to announce the appointment of Martin Charlwood to the role of Chief Executive Officer. Concurrently, Don Lawby will be retiring from his important role as President and Chief Operating Officer of Centum Financial ...

Looking at the Bigger Picture

All parties – bankers, lenders, mortgage brokers — have a responsibility to perform due diligence with every valued client we deal with. However, there is one step that is either over looked, or not valued, by some folks in this business. And it is a step that I feel should probably be held in the highest interests: placing our clients in a mortgage that will be serviceable not just today, ...

Housing Bubble?

CTV reported that Minister Flaherty stated he would act again if needed to cool an over heated market.  For most Canadians this could translate in to stiffer rules when applying for home financing.  For most existing home owners changes would only have an impact if they choose to purchase a new home, refinance their existing mortgage, or at renewal time. When the United States had the market ...

What will a rate increase mean for you?

With the recent interest rate increase mainstream media has published doom and gloom scenarios about what will happen to the average Canadian home owner.  In a recent article in the Globe and Mail the headline read: "Sink or swim: How will you cope with higher mortgage payments?" We all know that bad news sells.  For most people looking at their personal finances a large jump in mortgage ...
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