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Why are the Major Banks Charging outrages Pre-penalties....WHY?

The number one question I get asked by clients, " Why does the bank have the right to charge me (the consumer) such a high pre-penalty".  The answer is simple, Because they can. Right now there is no law that say they cannot.  However, there are options available to consumers. They are called Mono Lenders.  These type of Lenders pre-penalty is normally ...

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 ...

GET OFF MY TITLE!!!!!!!!!!!!!!!!

What happens when a relationship goes sour, especially if you are not married, but you are girlfriend/boyfriend or common in law who have purchased a home together and both of you are on title? And one of you wants to sell and the other says no way. What can you do that won’t cost you a ridicules amount of money on lawyers?   NOTHING!!!!!!!!!!!!!!!!!!!!!!!! The way the system is set ...

THE PRIME STAYS PUT, WHAT DOES THIS MEAN TO VARIABLE RATE

The Bank of Canada has announced that their lending rate will stay at 1% which means that Prime (the rate that consumers pay) will stay at 3%. The major banks were thinking that Prime was going to increase, every indication showed to them that Prime was going to go up. In turn, the banks started to give a better variable rate discount to consumers.   Let me explain, when the Five Major Banks ...

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 ...

RATES! RATES!

The rates are coming down, but how long will that last?   Also in other news, Calgary has had a spike in real estate with prices of house going as much as 20% higher than listed, what is going on? with rate as low as 2.89% for a high ratio mortgage, it becoming like the wild wild west
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