Let’s be honest, buying a home and paying off a mortgage isn’t exactly a walk in the park. If it were, everyone would be doing it, right?  In the short term, your mortgage repayments, plus rates and insurance, will probably…

The First Step Typically, you would contact the real estate agent to arrange a time to prepare the offer together. Alternatively, you can request a copy of the sales and purchase agreement and draft your offer with the assistance of…

Knowing how a bank assesses your mortgage application and what they’re looking for gives you more power to get your application in order. Banks assess your application using the 4 Cs: Capital, Capacity, Character and Collateral. Get these right and you’ve…

Step 1: Check your affordability Can you afford this house? Start by meeting with a mortgage advisor at your bank to assess your borrowing capacity. If possible, get pre-approved for a loan. If you’re not able to get approved right…

There’s a common myth that mortgage advisors charge fees, but that’s not true.  We don’t charge you for our service. The banks pay us a commission when we help you get approved. Using our expertise means you get the best deal…