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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 ...

5 Benefits of A Pre-Qualified Mortgage Mortgage pre-approval

5 Benefits of A Pre-Qualified Mortgage   When you're buying a home, get pre-qualified for your mortgage BEFORE you start looking and BEFORE you make an offer. As a buyer, you know this to be true but do you know why? Here are a few benefits to knowing for certain that you have been approved to purchase a home:   1) You don't fall in love with a home that is more than what you ...

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 ...

Rates on the rise?

We were promised increases in mortgage rates and it appears we were not let down.  Current Mortgage Rates as at Tuesday August 20th - Prime Rate for Variables is still 3.00% Please note that rate discounts may be available for quick closings (30 to 60 days) 4 Year Fixed: 3.29% 5 Year Fixed: 3.59% 10 Year Fixed: 4.19% Variable 5 Year: Prime -.4% (2.60%) Bank of Canada Benchmark Rate: ...
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