Education – Ask Ana Cruz

A few things about the last Bank of Canada rate increase. The increase in the Bank of Canada’s (BOC) means that the variable rate increased…

Using a broker has changes so much over the years. Your parents and grandparents may remember using a mortgage broker as something you would do…

Today’s story is called “Too Much Debt” Tom and Sally live in a great family neighbourhood. They love the schools their kids go to and…

Things are not always what they seem. Today, I received a call from a current client who is closing his mortgage this week and he…

“It may be a long road to building a custom home, but it will all be worth it”, I tell myself this as I wait….

The sky is NOT falling? All the economists predicted that we would have a rate increase in July. In fact most predicted that we would…

Sometimes it takes a village, this seems to be the theme of 2018. With the new stress test imposed in January 2018, the increase in…

First questions clients always ask is “What’s the best rate?” and it’s closely followed by “Should I go variable or fixed?” My answer is a…

Five credit habits that can boost your score Your credit score is essentially your passport to financial opportunities. With a possible range of 300…

Are you looking for a pre-approval or an approval? This is where you will find the difference between pre-approvals and approvals as well as a…