Mortgage Broker

Budgeting Tips Everyone Should Know

Traditionally, the curriculum in elementary and secondary schools hasn’t included any kind of personal finance courses (or chapters, even). So, it’s no wonder that so many adults find themselves crushed by debt or living paycheck to paycheck. It’s time to nip that in the bud! Here are some basic budgeting tips that everyone needs to know.

How to Avoid Getting Bad Credit

Your credit score is usually a number between 300 and 900. The higher the number, the better the credit score. Improve your credit score by: paying bills on time, saying under your credit limit, reduce your credit balance, lengthen your credit history, and limit credit checks.

cropped view of woman showing bad credit score at office

Credit History: How Long to Fix Bad Credit?

The topics of creditworthiness and credit history are constantly at the forefront of people’s minds when applying for or renewing their mortgage. The world is full of people from different walks of life, so it goes without saying that we’re all in a different situation when it comes to debt. Some have very little debt, with different combinations of credit cards and few trade lines (like student loans). Some of us may have none, which isn’t always great. There are ways to use credit and debt strategically, and make it work in our favour!

tiny wooden house shape with a heart in a mini shopping cart to reflect blog topic, titled mortgage renewal: shopping for a better mortgage rate?

Mortgage Renewal: Shopping for a Better Mortgage Rate?

Shopping around for a better mortgage rate is very common, and often encouraged. It’s obvious; people don’t want to pay a higher rate if there’s a lower one available! Getting the best mortgage rate can be a competitive feat – clients want to be sure they got the best mortgage rate possible. 

However, it’s an irrelevant topic. Mortgage rates change often, and each client’s situation is different!

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  • First Home
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