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Category: Miscellaneous (36 posts)

When Is The Right Time To Buy A Home

When Is The Right Time To Buy A Home

August 22, 2023 | Posted by: Dino Pupulin

When you are ready! The #1 thing you can do is get advice early. Talking with a mortgage broker will help you understand the following: What you can afford The down payment you need Cost ... [read more]

Your Credit Score

Your Credit Score

May 9, 2023 | Posted by: Dino Pupulin

Your credit score is a number between 300-900 that the credit bureaus calculate. In Canada, we have two credit bureaus, Equifax and TransUnion.Your score indicates how responsible you are with cre ... [read more]

Smart ways to pay for your home renovation

Smart ways to pay for your home renovation

January 24, 2022 | Posted by: Dino Pupulin

Smart ways to pay for your home renovation   Moving is a lot of work and it’s expensive when you factor in all the costs – legal fees, moving costs, real estate commission, decorati ... [read more]

Sensible strategies to help you thrive in 2022

Sensible strategies to help you thrive in 2022

December 23, 2021 | Posted by: Dino Pupulin

Sensible strategies to help you thrive in 2022 Canadians keep talking about the housing market! Are we in a housing bubble, will rates rise in 2022 and by how much, is this the right time to buy or r ... [read more]

What’s involved in giving your child a boost to homeownership?

What’s involved in giving your child a boost to homeownership?

October 12, 2021 | Posted by: Dino Pupulin

What’s involved in giving your child a boost to homeownership? With the financial demands of school loans, living expenses, and finding a career path, many young people struggle to purchase t ... [read more]

Thinking Of Falling Into Homeownership

Thinking Of Falling Into Homeownership

September 22, 2021 | Posted by: Dino Pupulin

If you are thinking of homeownership this Fall, you probably have some good questions before you jump in. That’s good, it’s important to get advice as early in the process as possibl ... [read more]

Six tips for financial fitness this Fall

Six tips for financial fitness this Fall

September 7, 2021 | Posted by: Dino Pupulin

Six tips for financial fitness this Fall   It’s September and there is some optimism that we may be moving towards the end of life in a global pandemic. The Fall has always been a great t ... [read more]

Smart Ways To Pay For Your Home Renovations

Smart Ways To Pay For Your Home Renovations

August 3, 2021 | Posted by: Dino Pupulin

Smart ways to pay for your home renovation   Moving is a lot of work and it’s expensive when you factor in all the costs – legal fees, moving costs, real estate commission, decorati ... [read more]

Which renovations add the most value to your home?

Which renovations add the most value to your home?

March 23, 2021 | Posted by: Dino Pupulin

Which renovations add the most value to your home? Are you looking to buy a fixer upper?  Or want to upgrade your existing home to improve your quality of life or accommodate a new way of living ... [read more]

Important Credit Score Tips

Important Credit Score Tips

October 27, 2020 | Posted by: Dino Pupulin

Important credit score tips There’s a virtual credit file with your name on it! When it comes time to take out a mortgage, that file gets opened and the result is a credit score that will help ... [read more]

Conditional On Financing

Conditional On Financing

July 28, 2020 | Posted by: Dino Pupulin

 “Conditional on financing”: the most important part of your offer When you find the condo or house of your dreams and want to make an offer, do you need a financing condition? Unles ... [read more]

Mortgage Covid 19 Questions Answered

Mortgage Covid 19 Questions Answered

June 2, 2020 | Posted by: Dino Pupulin

Six questions answered   As the longest spring in memory finally gives way to summer, it’s nice to see people safely enjoy the sunny weather. I hope that you are yours are in good health. ... [read more]

10 Reasons To Use A Mortgage Broker

10 Reasons To Use A Mortgage Broker

January 28, 2020 | Posted by: Dino Pupulin

Ten great reasons to use a mortgage broker   For many Canadians, mortgage payments are their single biggest expense. Yet most don’t comparison shop to ensure they’re getting the bes ... [read more]

Five Incentives for First-Time Buyers

Five Incentives for First-Time Buyers

September 4, 2019 | Posted by: Dino Pupulin

Five Incentives for First-Time Buyers When buying your first home, don't leave money on the table! Take advantage of the programs and incentives offered by the federal gov ... [read more]

How to get a mortgage if you have bad credit

How to get a mortgage if you have bad credit

July 16, 2019 | Posted by: Dino Pupulin

How to get a mortgage if you have bad credit Sometimes, a difficult past is standing in the way of a bright future. Bad credit can do that to you. After all, credit history is an integral part of the ... [read more]

The Low Down On Downpayments

The Low Down On Downpayments

May 13, 2019 | Posted by: Dino Pupulin

The lowdown on downpayments I get questions about downpayment all the time! So here is the lowdown on how much you need, and how you might get it. How much do you need? Not surprisingly, most Canad ... [read more]

Federal Budget - What Homebuyers Are To Expect

Federal Budget - What Homebuyers Are To Expect

April 1, 2019 | Posted by: Dino Pupulin

This is what the federal budget means for homebuyers The recent federal budget included Housing Affordability Measures that may be applicable to your situation, now or in the future.  There are ... [read more]

Stress Test - What You Need To Know

Stress Test - What You Need To Know

February 4, 2019 | Posted by: Dino Pupulin

Should you stress about the stress test? What you should know about new mortgage rules. On October 3rd, Finance Minister Bill Morneau announced that new mortgage rules will include more stringent &l ... [read more]

Monoline Lenders Vs Banks

Monoline Lenders Vs Banks

October 15, 2018 | Posted by: Dino Pupulin

What’s a monoline lender and how is it different from a bank? I’m often asked about monoline lenders - who are they, what benefits do they offer, and how do you get access to a monoline ... [read more]

2 Out of 3 Don't Shop at Renewal

2 Out of 3 Don't Shop at Renewal

January 26, 2012 | Posted by: Roar Solutions

Every now and then we see a mortgage stat that’s a jaw-dropper. This finding from Manulife Bank is one of them. It suggests there are a lot more people with money to burn than one might expect. ... [read more]

Bank of Canada lowers its rate.

Bank of Canada lowers its rate.

January 21, 2015 | Posted by: Dino Pupulin

The Bank of Canada announced a surprise quarter-percentage-point cut to its key interest rate Wednesday – a move it calls “insurance” against the potentially destructive effects of ... [read more]

Bridge Financing

Bridge Financing

January 22, 2015 | Posted by: Dino Pupulin

Bridge financing can be confusing for some home buyers. And not all lenders offer it but in today's competitive real estate market many home buyers, especially when buying in a desirable neighbourhood ... [read more]

Broker vs Banker

Broker vs Banker

April 24, 2015 | Posted by: Dino Pupulin

FACEOFF: Bank vs. Broker We’re in hockey playoffs, so let’s talk about the faceoff: bank versus broker.  The fact is, there’s really no contest on this one. The broker wins the ... [read more]

Beware of the NON - pre approval

Beware of the NON - pre approval

June 10, 2015 | Posted by: Dino Pupulin

As your mortgage broker, I go through the entire pre approval process to make sure that you are qualified.  Lenders normally just only book you a rate.   ... [read more]

Surviving Buying and Selling a Home

Surviving Buying and Selling a Home

July 27, 2015 | Posted by: Dino Pupulin

Smooth move! Nine tips to survive the buy/sell So there’s a move in your future. It can be a stressful juggling act: selling one home, buying another. We deal with this all the time, and have s ... [read more]

Mortgage Shopping Questions

Mortgage Shopping Questions

September 1, 2015 | Posted by: Dino Pupulin

Good day, Today, many clients shop around for their mortgage, but it's important that they understand working with the right mortgage professional is as important as a good rate and product. No ... [read more]

Your Home's Fall Checklist

Your Home's Fall Checklist

September 24, 2015 | Posted by: Dino Pupulin

Your Home's Fall Checklist 09.17.2015 It's time to start thinking about preparing your home for the colder weather; a few little things can make a big difference for your home and save you time and ... [read more]

6 Ways To Boost Your Credit Score

6 Ways To Boost Your Credit Score

October 30, 2015 | Posted by: Dino Pupulin

Six ways to boost your credit score Your credit score is essentially your passport to financial opportunities. With a possible range of 300 to 900, your number tells lenders what kind of a risk you a ... [read more]

Mortgage Brokers In Canada Not Totally Useless, Eh!

Mortgage Brokers In Canada Not Totally Useless, Eh!

November 11, 2015 | Posted by: Dino Pupulin

Mortgage brokers in Canada not totally useless, eh: Deloitte  BY JOHN MICHAEL MCGRATH |   Convenience, thy name is America (Image: Woodley Wonderworks) For our neighbours d ... [read more]

Financial bucketlist

Financial bucketlist

January 4, 2016 | Posted by: Dino Pupulin

What’s on your bucket list? Your bucket list includes all the goals you want to achieve, and the life experiences and dreams you want to fulfill. It’s often viewed as a “to-do& ... [read more]

Mortgage Winter Tune Up

Mortgage Winter Tune Up

January 25, 2016 | Posted by: Dino Pupulin

     Did you know... ... that just like your car or your home, your mortgage can benefit from a seasonal inspection! Your car gets taken in for regular servicing to keep it ... [read more]

Income Confirmation

Income Confirmation

February 22, 2016 | Posted by: Dino Pupulin

The Mortgage Kit:  Start with proof of your income We’ve all heard the scout motto “Be prepared”. It’s great advice if you need a mortgage. Assembling everything your ... [read more]

The largest investment you will ever make, is your home...

The largest investment you will ever make, is your home...

March 22, 2016 | Posted by: Dino Pupulin

For most people, one of the largest investment they ever make, is their home. If you were to look back at what you paid for your home and what it is worth today, you'll probably agree t ... [read more]

5 Ways to Plug Money Leaks

5 Ways to Plug Money Leaks

September 12, 2016 | Posted by: Dino Pupulin

5 ways to plug the money leaks!   The brisk back-to-work attitude of September makes it a great time to review your finances and particularly your spending. Whether you are saving to buy a home ... [read more]

Which renovations go right to your bottom line?

Which renovations go right to your bottom line?

September 26, 2016 | Posted by: Dino Pupulin

  Which renovations go right to your bottom line? Whether you are looking to buy a fixer upper or renovate your existing home to improve the quality of life for you and your family, it’ ... [read more]

Getting Your Home In 5 Easy Steps

Getting Your Home In 5 Easy Steps

March 20, 2018 | Posted by: Dino Pupulin

... [read more]

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