Blog by DOINA BIOLAN B.Comm

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REVIEW YOUR MORTGAGE BEFORE RENEWAL TIME

October 6th, 2015
Review your mortgage at renewal time Is your current mortgage still competitive? Has there been a change in your job or your family situation? Are you up-to-date on what the market is doing with regard to interest rates? It's always a good idea to review your mortgage at renewal time to make sure you're in the best product for your current needs and that it still fits into your overall finan ...
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CANADIANS SEEM TO LOVE DEBT

September 24th, 2015
Canadians seem to love debt Canadians have a growing love affair with debt. Household debt hit a new record in August as consumer spending jumped 2.3 % in the second quarter of the year, despite the fact that we are also in a recession, "technically" speaking.So where is this debt coming from? Well, we're buying houses, cars, furniture and clothing. Household credit is rising its fastest sin ...
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Don't get caught up in the headlines

September 10th, 2015
Don't get caught up in the headlines Despite what seems like a focus on statistics that creates fear in the media, Canadians are still making their mortgage payments, while enjoying the cheapest borrowing environment in history.  Not that long ago, all headlines were focused on the household debt to income ratio, which has proven to be a poor indicator of the financial situatio ...
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August market volatility

September 1st, 2015
August Market Volatility We are living through interesting times - economically speaking. The latest news surrounding the turmoil in the stock market and a potential "crash" has made some consumers a bit jittery. You may be wondering how what's happening in the stock markets the will impact your life. Here are a few thoughts. Let's put China in perspective. China is considered an em ...
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Mortgage refinance Testimonial from Lucian and Daniela M.

September 1st, 2015
We would like to thank our Mortgage Broker, Doina  Biolan, for her hard work to find us a variable rate most suitable for us. She is extremely knowledgeable and professional . She was focused 100% to provide us the best rate, she answered all our questions and we couln’t be happier with the service we received and would recommend her to anyone looking to buy a home or get a greater rate .   ...
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KNOW YOUR CREDIT REPORT SCORE

August 4th, 2015
  Know what's on your credit report Do you know your credit report score? Ever checked your credit report for mistakes? A national survey conducted by the non-profit Public Interest Advocacy Centre found that 18% of the people surveyed found mistakes in their credit report and 10% of those believed they were denied financial services because of those errors. Mista ...
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THE ADVANTAGE OF EARLY RENEWALS

July 7th, 2015
  The advantage of early renewals A recent survey by the Canadian Mortgage and Housing Corporation (CMHC) found that 60% of Canadian mortgages were renewed before the scheduled date. Here are two good reasons why you should consider renewing your mortgage early: lower your mortgage rate and get ahead of any rate increases. The bottom line is that early renewals may sav ...
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PAYING YOUR MORTGAGE FASTER

June 5th, 2015
Your road to mortgage freedom Paying off your mortgage may be the best investment you can make. A survey conducted in 2013 by Canada Mortgage and Housing Corporation (CMHC) found that 68% of homeowners felt they could pay off their mortgage early. Last year a Scotiabank poll found that almost two-thirds of mortgage-holders agreed they could pay off their mortgage faster without impac ...
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SAVE ON YOUR MORTGAGE!

March 27th, 2015
SAVE ON YOUR MORTGAGE ! Paying off your mortgage faster has the excellent benefit of reducing the amount of interest that you pay on your mortgage. How? By using privileges provided by the lender. There are two types of mortgages; open and closed mortgages. With OPEN mortgages there are no limits as to how fast you can pay down your mortgage; however you do pay a higher interest rate for th ...
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Testimonial from Cristina and Leo Chirila

March 25th, 2015
Doina, we want to thank you for your help with our Mortgage renewal. Everything went very fast and smooth. We almost didn’t have much to do, just to gather some documents and give them to you. We really appreciate you efforts! We like doing business with you and we will always ask for your help. Cristina and Leo   Cristina and Leo ChirilaWed 25/03/2015 3:29 PM
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