Spousal Buyout Program

Mortgage Tips Chase Cooper 1 Mar

Navigating New Beginnings: Understanding the Spousal Buyout Program in Canada Separation or divorce can be challenging, marking the end of one chapter and the beginning of another. For many Canadians, the shared home becomes a central focus in this transition, raising questions about ownership and financial independence. Fortunately, the Spousal Buyout Program offers a pathway […]

Saving for your first home

Mortgage Tips Chase Cooper 20 Feb

Saving for your first home. Saving for your first home is an exciting time for anyone, you are finally able to start putting money away for that first home purchase! Here is a breakdown of the BEST ways to save money for your first home. First Home Savings Account (FHSA): The FHSA […]

What is a Mortgage Renewal

Mortgage Tips Chase Cooper 14 Feb

What is a mortgage renewal? A mortgage renewal is when you have an existing mortgage contract that is coming to an end. The mortgage needs to be renewed into a new contract, this contract will have new rates, terms, and options. In Canada, when you have a mortgage, your lender commitment has an interest rate, […]

Pre-Approvals and what to expect!

Mortgage Tips Chase Cooper 1 Feb

Your Pre-Approval Guide: 1. Demystifying Mortgage Pre-approval: It’s like giving your finances a spa day, complete with a deep dive into your economic well-being. Think of it as your financial passport to Homeownership Land. 2. Benefits of Pre-approval – Your Financial Roadmap: Get a budget roadmap to avoid driving your dreams into a financial […]

Mortgage Renewal Strategies in 2024.

Property transfer tax exemptions

General Chase Cooper 12 Dec

Property Transfer Tax Exemptions, what you need to know: If you are purchasing a home in BC it is important to understand property transfer tax, and more specifically if you qualify for an exemption. Here is a breakdown of the qualifications First-time home buyer qualifications: Are a Canadian citizen, or a permanent resident as […]

New Mortgage changes…..how will this affect you?!

General Chase Cooper 4 Oct

Mortgage qualifying just got a little harder…what does this mean? The Department of financing has surprised us with a few changes that will be effective coming up October 17th, 2016. These changes were made to cool the markets in Vancouver and Toronto but will most likely have an effect more so on the regions outside […]

Purchase Plus Improvements

General Chase Cooper 29 Oct

Purchase Plus Improvements: Did you know using a purchase plus improvement program can get you into your dream home today? A lot of times we see that a client LOVES a home but there are just a couple of things they would change, this is very typical, and a lot of times people may be […]

Mortgage Qualifications for Jan 1, 2015

General Chase Cooper 12 Dec

Over the past several years, we have seen significant changes to the way that lenders qualify borrowers applying for mortgages – with each change making the mortgage qualification process progressively more challenging. The latest proposed change for January 1st, 2015 would see existing unsecured debt payments (credit cards, lines of credit, etc) calculated using 3% […]

How can you save for a Down payment being a first time home buyer?

General Chase Cooper 15 Mar

First time Home Buyer saving for your down payment: This can seem like a daunting task with the markets these days, but it may be somewhat easier than you think. I am speaking strictly in a YOUR ARE SAVING FOR A DOWN PAYMENT FOR A HOME, nothing more or less; this isn’t retirement advice […]

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