How to Afford a Second Property in Retirement.

General Donna Pammer 26 Apr

      More and more Canadians are choosing to buy a second property in retirement. Reasons for doing this vary. Some want to reap the rewards of a lifetime of saving and treat themselves to a vacation home. Others, on the other hand, view their second property as an investment, intending to rent it […]

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It’s all about the property

General Donna Pammer 25 Jan

When your mortgage application goes through the approval process, they are not only looking at you, but also the property in question. In fact, sometimes when an application is denied it has nothing to do with you, and everything to do with the property. To improve your chances of success when it comes to financing, […]

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5 Expenses Most Canadians Don’t Expect in Retirement.

General Donna Pammer 27 Nov

According to a recent CIBC poll, nearly half (48%) of retired Canadians stopped working sooner than they expected. The result is that many retirees have saved less for retirement than they planned, making unexpected expenses all the more stressful once the income tap has run dry. But you know what they say, preparation is the […]

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Considering a rental property? What you need to know.

General Donna Pammer 17 Nov

You might be surprised to learn that you don’t need to be one of the uber rich or make six figures to have a second property. You just need to have knowledge, determination and financial planning! Before you look at purchasing a rental property, there are a few things to consider: The minimum down payment […]

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How’s your credit score?

General Donna Pammer 10 Nov

For most people, credit score isn’t something you spend much time thinking about. Especially if you are someone who is making good money and paying all your bills on time, but it never hurts to be aware of your current score and ensure you are maintaining it – even when you’re not in the market […]

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General Donna Pammer 9 Sep

There are 9 million Millennials in Canada, representing more than 25 percent of the population. Born between 1980 and 1999, the eldest are in the early stages of their careers, forming households and buying their first homes. Buying a home is a daunting process for anyone, but especially so for the first-time home buyer. This […]

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CMHC Mortgage Rule Changes

General Donna Pammer 8 Jun

When buying a home with less than 20% down, you are required to purchase default insurance on your mortgage loan. This stipulation is not new, but recent policy changes to the insured mortgage space by The Canada Mortgage and Housing Corporation (CMHC) are. These are significant changes made as result of the potential effects of […]

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Did you know??

General Donna Pammer 5 Jul

Did you know…I do the shopping for you! I will shop the best mortgage rates and products from 110 different Lenders including TD and Scotia Bank for you.

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