10 Home Safety Tips for Summer Holidays

July 27th, 2020
Are you ready for a well deserved break?  Even if you are only heading out for a long weekend, consider some of these safety tips for your home:
1) Put lights on a timer and put your motion sensor outdoor lights to motion-activated setting
2) Check batteries in your smoke alaram - be pro-active and change your alarm batteries to match the bi-annual time change
3) Remove any valuables - use a saf ...

July 2020 - New CMHC mortgage insurance rules

July 24th, 2020
On July 1, 2020, The Canada Mortgage and Housing Insurance Corporation (CMHC) has made changes the mortgage insurance the provide to qualifying Buyers with less than 20% down payment:
Income to Debt ratios have been reduced as noted below, and these amounts may now affect your qualifiying levels:
a) Gross Dept Servicing from 39% to 35%
b) Total Dept servicing ratio from 44% to 42%
and 
c) the Mini ...