A credit score is a three-digit figure that lenders use to assess a potential borrower's credit risk. There are five key elements used to determine credit ratings behind the number itself (credit scores normally vary from 300 to 900). Lenders evaluate these ratings to determine how likely you are to repay your debt; thus, they are frequently the determining factor in whether you will be approv...Read More

Many Canadian mortgage holders blindly renew their mortgages without questioning anything, which often leads to a higher interest rate with a mortgage package that does not meet their demands. Make sure you thoroughly check everything out before you sign another contract. In order to secure the greatest mortgage available, analyze your present position, create a plan, and allow lenders to compete ...Read More

You may think that because you're ready to sell your home, you may set whatever price you choose. However, no matter how hot the market is, overpricing your home can be detrimental. Studies have shown that pricing is the primary variable that determines how long a real estate property remains on the market. If a home is too expensive, even the best-conceived marketing strategies might sell utt...Read More

First-time homebuyers may be able to make a monthly mortgage payment, but the biggest challenge is saving enough for a down payment. A down payment is necessary, the higher your down payment, the cheaper your interest payments will be throughout the term of your mortgage. The majority of residences in Ontario need a down payment of at least 5%. So, if you want to buy a $800,000 property, you'l...Read More

If you're looking to buy a condo in the GTA, you'll almost certainly hear about the Status Certificate, and your Realtor will almost certainly advise you to make your offer contingent on your lawyer reviewing the Status Certificate.   A status certificate is a large document that contains information about a condominium corporation's financial and legal health. It normally runs a ...Read More

The luxury real estate market represents the top of the industry. At this level of professionalism, only the most experienced, competent, and informed realtors have this certification.   Certified Luxury Marketing Specialists strive to be the best agents they can be and believe in doing business with honesty, integrity, and sincerity. They endeavor to provide their customers with the best ser...Read More

We all know buying a home especially for the first time, is a big deal.    Whether you're purchasing a home, a condo, or a townhome, the process can be intimidating, and you may not know where to begin. Although, with the right guidance and invested time, you can close with confidence with the steps below on how to buy your first home in the GTA.   Save for a Down Payment and O...Read More