by bsmith | Dec 10, 2018 | Casb Management Group Inc., Investments, Mortgages, Real Estate
When it comes time to purchasing a home, do you choose the more expensive but brand-new home – or do you go for that fixer upper with the potential to become your dream home? In order to make this important decision, you will need to consider if renovations are a fit...
by bsmith | Dec 3, 2018 | Casb Management Group Inc., Investments, Mortgages, Real Estate
Using mortgage prepayment options can drastically reduce the total amount of money you spend on your mortgage – and shorten the time it takes to pay it down! If you follow these three steps, you can be mortgage free sooner than ever! 1. Know your prepayment privileges...
by bsmith | Nov 26, 2018 | Casb Management Group Inc., Mortgages, Real Estate
With the increasing stricter mortgage regulations in Canada has prompted the question, if you have to file bankruptcy is a mortgage still attainable? Most Canadians think of this as not possible, but let’s review what bankruptcy is and how you can rebuild your credit...
by bsmith | Nov 19, 2018 | Casb Management Group Inc., Mortgages, Real Estate
What is an appraisal? Simply put: an appraisal is a professional’s opinion on the true market value of your home. Banks use appraisals, and so do home owners during the process of buying, selling or refinancing a home. How do appraisers calculate my home’s worth?...
by bsmith | Jul 24, 2018 | Casb Management Group Inc., Uncategorised
Guest blog: Bruce McLennan, McLennan & Company Limited This is a common question and one that we often hear: What is the difference between a consumer proposal versus bankruptcy? Last week, we talked about your options in securing a mortgage if you file for...
by bsmith | Jul 18, 2018 | Casb Management Group Inc., Mortgages
Increasingly stricter mortgage regulations in Canada have prompted the question: If you have to file bankruptcy is a mortgage still attainable? Most Canadians think of this as not possible, but let’s review what bankruptcy is and how you can rebuild your credit score...
by bsmith | Jun 12, 2018 | Casb Management Group Inc.
I had the pleasure of attending a conference recently where Michael “Pinball” Clemons was the guest speaker. You may remember Pinball as the Hall of Fame football player and coach with the Canadian Football League’s Toronto Argonauts. He is a multiple Grey...
by bsmith | May 28, 2018 | Casb Management Group Inc.
Today’s buyers have almost an unlimited number of mortgage financing options to choose from. If you cut through all the marketing hype, you are going to be essentially selecting from one of three options: 1. Fixed rate mortgage, where your interest rate and payment...
by bsmith | May 21, 2018 | Casb Management Group Inc.
Many Canadians are looking at holding mortgages well into retirement and are concerned that once Canada Pension and Old Age Security become the primary source of income, they may no longer qualify for a mortgage. For those of you in that position, I have some good...
by bsmith | May 14, 2018 | Casb Management Group Inc.
We have witnessed three quarter point interest rate increases since July of 2017, with the most recent occurring on January 17, 2018. More increases are expected in 2018. If you own a home or are purchasing a home why does this matter? The price is not the price The...
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