When deciding between a Fixed Rate Mortgage or a Variable Rate Mortgage, it’s important to know that 60% of people break their mortgage before their mortgage term matures. Most homeowners are blissfully unaware that when you break your mortgage with your lender, you will incur penalties and those penalties can be painfully expensive. Many homeowners […]

Credit score is so important… Over the last month, as the big banks and many of our monolines mortgage lenders wind down their fiscal year, we are starting to see some very obvious changes in what your credit score can get you. I heard a few months ago that 720 beacons were going to become […]