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Banks Have Canceled their 4-year Promos – Rates on the rise.

February 10, 2012 Bank rates, Uncategorized

Still time to get a rate hold at the old rates if you hop to it.

The banks 2.99% four-year fixed promotions were intended to last until February 29. RBC and others have cancelled them early.

The nation’s banks rates are now: Read More

Burgeoning Calgary population to fuel demand in housing market & the West is now bigger than the East!

February 9, 2012 economy, invest

The migration West continues! Just yesterday Canada Census noted that for the first time in history the West has more people than the East –  sure it is only by 0.1% but hey … it’s official. Read More

Alberta job growth outpacing Canada: Statistics Canada

February 3, 2012 Uncategorized

This is great news – but a bit old as everyone in Alberta is aware of their friends getting great jobs, without interviews, for more than they were expecting! And all those people are buying homes which will support the prices. Read More

New Canadian Mortgage Rules are Possible

February 1, 2012 Bank rates, investment rental property, new home owner

Below is a commentary on the possible new rules for Canadian mortgages. Anyone looking at buying with 5% down (which is about 80% of our clients) or using a 30 year amortization (75% of our clients) should look at buying sooner than later. Read More

CIBC Being Sued: Unfair payout penatly calculations continue

January 19, 2012 bank, Bank rates, Uncategorized

This is interesting.

We have always thought that the way they do their math was odd or different or something.

Another reason to use a good Calgary broker that has other options than the Big 6 banks that continue to take advantage of their own customers. Why do they do this? Read More

Canada’s East-West economic divide deepens

January 11, 2012 Uncategorized

As the divide gets greater the West continually does better. Alberta is the best place to live and do business in North America right now. That creates home demand and supports home prices.

This is from the Globe and Mail: Read More

Credit Score Info – this is great data

January 6, 2012 Uncategorized

Below is a good article on credit scores.

Mortgage applications are evaluated on 4 factors. You can think of them as “legs of a chair.” If 1 or 2 legs are shaky it could still stand if the other 2 are strong. Obviously, a 1, 2 or 3 leg chair does not work so well. Read More

Why you should get a rate hold right now.

December 19, 2011 Uncategorized

Why you should get a rate hold now.

Let’s get right down to business; the advantages of using a top mortgage broker are listed near the end of this entry but reasons to use us should be pretty obvious by the time we get that far. Good brokers earn our salt because we watch the markets, the lenders, the rules, and the mortgage rates all day for a living. Or the good ones do anyway. Read More

Variable mortgage rates are no longer as attractive

December 19, 2011 Uncategorized

Garry Marr  Dec 17, 2011 –

The days of getting any sort of discount on a variable rate mortgage are over — again.

Those mortgages, tied to prime, have become a mainstay of the housing market. And, why not? While prime has stood at 3% at most major financial institutions, the discount has meant a rate as low as 2.1% at times this year. Read More

Calgary housing market demand strong for 2012: RE/MAX

December 7, 2011 Uncategorized

 

 Great news for the upcoming year.

By Mario Toneguzzi, Calgary Herald December 6, 2011

CALGARY — Fuelled by low interest rates and job security, demand for residential real estate in Calgary is on the upswing, says the RE/MAX Housing Market Outlook 2012 report released Tuesday. Read More

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