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This is a behind the scenes look at our local Mortgage Market in GTA West and South West Ontario. We discuss real life experiences of clients, partners and experts. Listen to learn and be entertained.
Episodes
Wednesday Jul 20, 2022
Wednesday Jul 20, 2022
MAKE GOOD DECISIONS…
(1) DON’T RUN OUT OF MONEY - A recession brings lower sales and therefore less cash… SMART DEBT MANAGEMENT IS IMPORTANT..
HOUSEHOLDS with high levels of debt are especially vulnerable during a recession. MANAGE YOUR CASHFLOW.
(2) Make sure your financial plan is up to date. Plan ahead of the recessionary conditions. ...
(3) Review your budget. ...
(4) Fully fund your emergency savings or Just in Case Funds. ...
(5) Pay down debt. ... Interest Rates rising and higher debts levels can take away from your cash flow…
(6) Network and earn additional income. - Diversify your skill set… Add a rental unit…
(7) Look at Your Investments - stock market will suffer… Savvy Investors with cash on hand have an opportunity to buy stocks and real estate at a discount…
(8) Invest in Technology - Technology can make your business more transparent, more flexible, and more efficient. The second reason is that digital technology can help cut costs.
Saturday May 07, 2022
Saturday May 07, 2022
You have seen Mortgage Rate Increases and Your Expenses will continue to increase.
You know it is a good idea to have a Household Budget but you don’t know where to start. Let me help.
Friday Feb 18, 2022
Friday Feb 18, 2022
- Covid-19 Recovery
- Strong Employment Growth
- Wage is going up
- Inflation above Target… inverse relationship with Interest Rates so this helps bring inflation down
- It will not affect your Borrowing Capacity
- I think it is still a good time to buy
If you are a buyer, The best time to buy was 15 to 20 yrs ago, but the 2nd best time is TODAY!!!
Wednesday Jan 26, 2022
Wednesday Jan 26, 2022
#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario #mortgagerates #mortgagebroker #mortgageagent #interestrates #mortgage #fthb #bramptonrealestate #hamiltonrealestate #ancastermortgage #ancastermortgageagent
Saturday Jan 22, 2022
Saturday Jan 22, 2022
A new Article from Canadian Mortgage Trend…”Fixed Mortgage Rates Are Rising. Are Variable Rates Next?”
Inflation a growing concern - Canada’s headline CPI growth rose to a higher-than-expected annualized rate of 4.8% as of December
record levels of inflation and high housing prices coincide with an anticipated economic rebound from the Omicron wave of the pandemic, some economists say.
The latest interest rate forecasts
Bond markets are now pricing in an 86% chance of a 25-bps rate hike at next Wednesday’s rate meeting,
TD, RBC, CIBC are all predicting 3 rate increases in 2022 and another 3 rate increases in 2023…
Scotiabank is looking at 4 rate increases in 2022 and another 4 rate increases in 2023…
There is no reason to stress or panic… Message me here so we can schedule your Strategy Call…
#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario #mortgagerates #mortgagebroker #mortgageagent #interestrates #mortgage #fthb #bramptonrealestate #hamiltonrealestate #ancastermortgage #ancastermortgageagent
Tuesday Dec 21, 2021
Tuesday Dec 21, 2021
Should you go BIG or SMALL with your Down Payment when Buying a House? Let’s discuss the right down payment amount for your purchase.
#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario #mortgagerates #mortgagebroker #mortgageagent #interestrates #mortgage #fthb #bramptonrealestate #hamiltonrealestate #ancastermortgage #ancastermortgageagent
Tuesday Dec 21, 2021
Tuesday Dec 21, 2021
OSFI Leaves Mortgage Stress Test at 5.25%
#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario #mortgagerates #mortgagebroker #mortgageagent #interestrates #mortgage #fthb #bramptonrealestate #hamiltonrealestate #ancastermortgage #ancastermortgageagent
Friday Sep 24, 2021
Friday Sep 24, 2021
David Gyurits (RVP Mortgage Alliance): My Relationship with Money Series!
Please Welcome David Gyurits!
Integrity - Unity, wholeness, honesty, ethics, morals…
These are words I relate to our guest.
What makes him special is that he is someone with Integrity and he is dedicated to his work.
He used to be a top Performing Branch Manager at a Major Bank and now I know him as a mentor. He is currently a Regional Vice President at Mortgage Alliance.
#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario #mortgagerates #mortgagebroker #mortgageagent #interestrates #mortgage #fthb #bramptonrealestate #hamiltonrealestate #ancastermortgage #ancastermortgageagent
Monday Sep 13, 2021
Monday Sep 13, 2021
Top 5 things to consider when selling your investment property
(1) Lifestyle Goals
Being a Landlord is real work -
Do you feel that you dont want to do this anymore
Take back your time to manage other things rather than your rental/s
(2) Retirement Planning
Should you keep the rental property for the Cashflow OR
Cash In and enjoy the equity… Increased Value and Paying Down Your Mortgage. You may
Use for Travel more, buy a boat OR really use it to cover your retirement Lifestyle.
(3) Taxes
50% of the property’s capital gain is subject to tax. It will be added to your taxable income for the year you sell the property.
Talk your tax accountant, as you may deduct the selling costs such as real estate commission, and legal fees. You may also deduct
renovation costs.
(4) Asset Allocation
You may have used Real Estate Investing to DIVERSIFY your Investment Portfolio. You have to re-evaluate
how selling your Investment property affects your overall Portfolio.
(5) Investing the Proceeds
After selling your Investment Property, how much do you want to reinvest,
how much do you want to set aside to spend immediately,
do you want to give some to your adult kids as Inheritance?
For the last one, you may want to consult with your Estate and Tax Lawyer.
Message me if you want an exit strategy on your Investment Property.
#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario #mortgagerates #mortgagebroker #mortgageagent #interestrates #mortgage #fthb #bramptonrealestate #hamiltonrealestate #ancastermortgage #ancastermortgageagent
Thursday Sep 09, 2021
Thursday Sep 09, 2021
Top 3 Villains of the Canadian Housing Market. This has nothing to do with the Political Parties.
Foreign Buyers, Investors that are Flipping Homes, Realtors with Blind Bidding
#emamortgageteam #mortgagealliance #mississaugarealestate #oakville #oakvillerealestate #miltonontario #miltonrealestate #haltonhills #ancasterontario #ancasterrealestate #torontorealestate #georgetownontario #mortgagerates #mortgagebroker #mortgageagent #interestrates #mortgage #fthb #bramptonrealestate #hamiltonrealestate #ancastermortgage #ancastermortgageagent