Blog

I keep my blog updated regularly so check back often for the latest.
Planning Ahead, A Guide to Mortgage Documentation

Planning Ahead, A Guide to Mortgage Documentation

It doesn’t matter if you are looking to purchase your first home, your next home, or your twentieth home; typically the mortgage documentation required to secure financing will be the same. The earlier on in the process you can collect these documents, and provide...

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Have You Considered a Purchase Plus Improvements?

Have You Considered a Purchase Plus Improvements?

You're pre-approved for a mortgage, you've been shopping with location in mind, but unfortunately the perfect property isn't jumping out at you. There is no doubt about it, finding the perfect property (within your price range) is a difficult task, especially for...

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Protecting Your Credit Through a Divorce

Protecting Your Credit Through a Divorce

No secret here, divorces are challenging, there are a lot of things to think about in a short amount of time. Although finances are often at the forefront of the discussions as it relates to the separation of assets, managing and maintaining personal credit can be...

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The Interest-Only Mortgage

The Interest-Only Mortgage

Relatively self-explanatory, an interest-only mortgage is one where your entire mortgage payment goes to interest and does not pay down the principal mortgage amount at all. So at the end of your term, you will owe the same amount as when you got your mortgage. So you...

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Maternity/Parental Leave, and Qualifying for a Mortgage

Maternity/Parental Leave, and Qualifying for a Mortgage

So your family is growing! Congratulations! If you’ve thought now is the time to find a new property to accommodate your growing family, but you’re unsure how your maternity or parental leave will impact your ability to get a mortgage, you’ve come to the right place!...

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Bank of Canada Rate Announcement July 10th, 2019

Bank of Canada Rate Announcement July 10th, 2019

The Bank of Canada today maintained its target for the overnight rate at 1 ¾ percent. The Bank Rate is correspondingly 2 percent and the deposit rate is 1 ½ percent. Evidence has been accumulating that ongoing trade tensions are having a material effect on the global...

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Why The Property Matters

Why The Property Matters

When looking to qualify for a mortgage, typically a lender will want to review four main areas of your mortgage application. Income, credit, downpayment/equity and the property itself. Assuming you have a great job, excellent credit, and sufficient money in the bank...

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Mortgage Options Into Retirement

Mortgage Options Into Retirement

Although it’s ideal to have your mortgage paid off by the time you retire, in today’s economy, that isn’t always possible. The cost of living is considerably higher than it has ever been, and as a result, a lot of Canadians are putting off retirement, hoping to make...

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First Time Home Buyer incentive | What we know so far

First Time Home Buyer incentive | What we know so far

If you've been hearing about a new incentive for First Time Home Buyers and wondering how it might impact you, look no further, below you will find all relevant information to date. As more information is released, you can expect to find it published here. From the...

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5 Ways to Boost Your Financial Fitness

Thinking about buying your first home? The race to home ownership is more like a marathon than a sprint: diligent planning, pacing and strategy are the keys to success. Are you ready to approach the starting line? Here are five ways to shape up and boost your...

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Advice for Single Homebuyers

More than a third of first-time homebuyers in Canada are single. If you’re thinking of joining this group, here’s what you need to do and know before jumping into homeownership. Study the market. Identify neighbourhoods you want to live in and check to see how much...

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Are There More Mortgage Rule Changes Coming?

Recently, the Bank of Canada released its semi-annual Financial Systems Review (PDF document), which identifies some of the major risks that the Bank foresees on the economic horizon. Unsurprisingly, the Bank pinpoints increased levels of Canadian household debt and...

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Don’t Forget to Claim your Home Owner Grant

Just a friendly reminder that your property taxes are due in the next couple of weeks! Now, for many of my clients, this isn't a huge deal as they have opted to have their taxes collected by their lender as part of their regular mortgage payments. Equalized payments...

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5 Things to Help You Survive Your 40s & 50s

You know those days where everything goes wrong and you’re so tired you don’t know what direction’s up? They’re a lot more manageable when you know what you’re working towards.   Here’s 5 things that’ll help you survive—and make the most of!—your 40s and 50s. 1. Do...

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A Strong Case for Homeownership

Housing affordability questions have placed homeownership and public policy near the top of the national agenda, as mortgage brokers know. Most of the commentary has been focused on the extent to which government policy, particularly with regards to supply, is...

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Bank of Canada Rate Announcement May 24th, 2017

The Bank of Canada is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Inflation is broadly in line with the Bank’s projection in its April Monetary Policy Report (MPR)....

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Watch What I Do, Not What I Say

Is the government being reckless and irresponsible or will rates be this low forever? Here's a great article that compares the recent changes to mortgage qualifications imposed on Canadians (what the government says) and the government's own borrowing (what they are...

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Mortgage Affordability

Genworth Canada is the largest private residential mortgage insurance company in Canada. They have an excellent education website over at homeownership.ca. Recently, Genworth published an article discussing the recent changes to mortgage rules and how they impact...

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Bank of Canada Rate Announcement April 12th, 2017

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Global economic growth is strengthening and becoming more broadly-based...

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Who Are The Top Broker Lenders?

There's no doubt that you know the names of the major chartered banks in Canada, it's hard to avoid them. There's no need to even list them here, with the millions upon millions they spend in advertising dollars, you know who the are. But how many of the top ten...

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Mortgage Brokers Continue Fight for Competition

As you may well be aware, the government has recently made changes to the way mortgages are qualified through the Canadian Mortgage and Housing Corporation (CMHC). In short, these changes have made it more expensive for some of the broker channel lenders to fund...

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Top Things to Consider Before Your Mortgage Renews

Your mortgage renewal is a great time for you to reevaluate your situation and see what changes might be made to better your financial position.  Here are 10 things you should consider before renewing your mortgage! 1. Have you explored all your options and had a...

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Bank of Canada Rate Announcement Mar 1st, 2017

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. CPI inflation rose to 2.1 per cent in January, reflecting higher energy...

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Just How Big is the Canadian Mortgage Market Really?

With all the government changes happening in the mortgage market right now, the good people over at Mortgage Professionals Canada via their online publication Canadian Mortgage Trends just published an interesting couple of articles on their blog. Most recently "How...

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A Bigger Downpayment Doesn’t Always Mean a Lower Rate!

If you've been following the financial news in Canada lately (or if you read the blog here regularly), you will know that a lot is changing in the world of mortgage financing. Most recently, the Canadian Mortgage and Housing Corporation (CMHC) announced an increase in...

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Update Feb 2017: Mortgages, Real Estate and Politics!!!

Happy 2017 Everyone! Wow!! Where did January go? Just like that it is almost Spring in Vancouver! (Although, I hear we might have a bit more Winter/Snow coming this weekend). I am reaching out with an update on the many changes/announcements in the mortgage industry...

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RRSP Basics: Questions Answered

Guest post by Randy Cass, Welcome to RRSP season, otherwise known as the one time of year you’ll willingly read an article with RRSP in the title. It’s not a traditionally exciting topic, we get it, but it’s an important one. A little planning now will pay off big...

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Bank of Canada Rate Announcement Jan 18th, 2017

Looks like 2017 begins the same way 2016 ended, with the Bank of Canada announcing that it has maintained its target for the overnight rate at 1/2 percent. While the Bank Rate is correspondingly 3/4 of a percent, with the deposit rate holding steady at 1/4 percent as...

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CMHC to Increase Mortgage Insurance Premiums in March 2017

The Canadian Mortgage and Housing Corporation announced this morning that they will be increasing mortgage insurance premiums on March 17th 2017. They were quick to outline that the changes would only amount to roughly a $5 increase per month for borrowers. Which was...

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Increased Home Owner Grant Threshold in 2017

The Government of British Columbia just released news that they have increased the home owner grant threshold from $1.2M to $1.6M, a 33% increase over last year. The goal is to help keep property taxes affordable, this recent move will help ensure all those who...

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Clarity, Ownership, and Structure in 2017.

Over the last three years, Canadian financial blogger Sandi Martin from Spring Personal Finance has released a series of posts with her dreams for her clients in each 2015, 2016, and now 2017. It started with finding clarity, then taking ownership, and now the series...

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New Mortgage Stress Test Explainer Video

As you may well know, the Canadian government has recently made some changes to how Canadians qualify for insured mortgages. They have instituted what is being called a “stress test” for your mortgage. Here is a good explainer video that does an excellent job of...

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Bank of Canada Rate Announcement Dec 7th, 2016

No big shocker here, in the final rate announcement of 2016, just as every economist in the country predicted, the Bank of Canada announced this morning that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per...

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2016 Year End Tax Tips

As financial literacy month winds down, now is a great time to review your personal finances and take advantage of any tax planning opportunities that are available to you (before the December 31st deadline). Here are some tax tips you might want to consider to help...

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Let’s Talk Housing!

The Canadian government just released its housing strategy plan, called "What We Heard, Shaping Canada's National Housing Strategy". It has been included below in all its 66 page glory, but first here are some of the highlights. Helping those in greatest need. It is...

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Are Rates Finally Going Up?

Well, after many years of unprecedented low interest rates in Canada, it appears the Canadian government by way of rule changes, and the American government by way of Trump, are impacting mortgage rates. Simply put, the Canadian government has recently made it more...

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When Prime Rates Differ?

Although the recent changes to mortgage qualification introduced by the government were intended to create stability in the Canadian housing market, the unintended consequences might have been to make the waters a little muddier. For the first time, it looks like...

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I Love North Vancouver Real Estate Podcast

I’m excited to share my podcast I Love North Vancouver Real Estate with you on my Ask Marci Blog. Here is the last episode from October. Episode 9: Looking for a Slower- Paced Lifestyle with Access to the City? Ria Quershi Shares Why the Sunshine Coast is Your Answer!...

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A More Human Approach to Productivity

https://youtu.be/REFh5TMOoS0 Chris Bailey from A Life of Productivity was recently asked to give a presentation at TEDxLiverpool, here it is in all it's YouTube glory!  Chris has been obsessed with the subject of productivity for more than a decade. In this talk, he...

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Bank of Canada Rate Announcement Oct 19th, 2016

With all the recent government activity meant to bring stability to the Canadian housing market (read cool down Vancouver and Toronto), its no surprise that the bank of Canada has decided against making any drastic changes to the overnight rate in their announcement...

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I Love North Vancouver Real Estate Podcast

I’m excited to share my podcast I Love North Vancouver Real Estate with you on my Ask Marci Blog. Here are the episodes from the month of September. Episode 5: North Vancouver's Traffic is a Mess! MLA Jane Thornthwaite Shares the Province's Plans to Fix it!   Episode...

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What’s All This Mortgage Talk in the Media this Week?

Good Afternoon, For the past few days you may have heard discussions and reports about mortgages in the media! This week the Federal Minister of Finance announced some sweeping changes to Mortgage Regulations in Canada. These changes are significant and will no doubt...

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What is Mortgage Fraud?

Have you ever wondered about how to protect yourself from mortgage fraud? Although the chances of you becoming a victim of mortgage fraud is relatively small, if you do become a victim, it will certainly have a long lasting negative impact on your life. So best to be...

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Creating Stability in the Canadian Housing Market

This morning, Finance Minister Bill Morneau announced new housing measures, changes meant to alleviate risk in Canada's current housing market. The measures include: Standardizing lending criteria for high- and low-ratio mortgages, including a mortgage stress test...

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Further Tightening of the Mortgage Belt

Before reading this you should be warned that the following content is pretty dry... like eating 8 saltine crackers without drinking water dry. If you need to go and get something to drink before proceeding, no worries, we will wait here. Take your time.  The quick...

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Use Low Rates to Your Advantage!

In an article I recently published called "Is Now a Good Time to Buy?" we identified that interest rates are at all time Canadian lows and as it's never been cheaper to borrow money, now is a good time to buy property. In no way was it being said that "because...

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Is Now a Good Time to Buy?

If you're getting tired of all the media headlines claiming impending housing market and economic doom and gloom, you're not alone. It seems every time you browse the news another US economist is predicting terrible things for Canada. Articles like this one,...

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Bank of Canada Rate Announcement Sept 7th, 2016

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Global growth in the first half of 2016 was slower than the Bank had...

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I Love North Vancouver Real Estate Podcast

I'm excited to share with you a new podcast I am doing that focuses on Real Estate in North Vancouver. I have a separate site setup here: I Love North Vancouver Real Estate (aptly named), so you can always stay current there, however I will also be publishing a...

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Finding Money For Closing Costs!

If you are planning on purchasing a property in the next couple of years, here is a really good video that will explain how you can find some extra money to put away into savings without impacting...

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10 Tested, Proven Ways to Become Less Productive

Let’s face it: while there is an abundance of articles on how to become more productive, there aren’t a lot on becoming less productive. With that in mind, I decided to put this article together. While it’s helpful to focus on how to get more done every day, it can...

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Saving for a Downpayment? Some Advice Along the Way!

If you are looking to purchase a property in the next while, you probably already know that you need at least 5% of the purchase price as a downpayment. Saving a bigger downpayment, let's say 10%, certainly increases your chances of securing financing. While having a...

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How To Save $1 Million For Retirement

Starting to save early for retirement is extremely beneficial in the long run, especially if you have the dream of retiring with $1 million as so many Canadians do. It’s not an easy feat, but for most Canadians, retiring with $1 million is a realistic goal. You most...

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Negative-Yield Bonds – Pay to Save?

There is a good chance that if you skimmed the news headlines this last week, you passed right on over a piece called CIBC sells negative-yield bonds for 1st time. No one blames you, because let's face it, stories about the Canadian bond market don't really scream...

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House Hacks: How to Make Small Spaces, Big

In 2016, the tiny house/small living space movement is in full swing. Individuals are choosing to live with less: less stuff, less square footage, less of a footprint. However, as these small living spaces become more of the “norm”, the people who inhabit them are...

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How (Not) to Consolidate Debt

By Sandi Martin of Spring Personal Finance.The point: it doesn’t matter what method you use to pay off debt, or if you use any method at all. What matters is that you stop creating new debt.It’s out there: the mathematically precise, strictly rational formula for...

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Bank of Canada Rate Announcement July 13th, 2016

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Inflation in Canada is on track to return to 2 per cent in 2017 as the...

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Welcome to Canada | Finding a Home

 Welcome!We're so glad you decided to make Canada your new home. It can be rewarding, and sometimes challenging to find a place to live that's comfortable, safe, and affordable.CMHC is here to help! Consider these...

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More Oversight for Mortgages in Canada?

Although no firm changes have been announced regarding mortgage regulations, it looks like this might be the beginning of something. The following is correspondence shared by Mortgage Professionals Canada by email to the mortgage industry, it has been shared here for...

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4 DIY Solutions for Your Bathroom Space

All of us are looking for ways to make our living spaces more efficient whilst keeping the style intact; and certainly the bathroom space is no exception. The question becomes, “How do I do this without spending a small fortune on renovations and upgrades?” The answer...

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Is There a “Housing Bubble” in Canada?

Since at least 2008, there have been repeated bursts of commentary that there is a housing bubble in Canada. Those comments have generally assumed that rapid growth in house prices (or a rising ratio of house prices versus incomes or of house prices versus rents) is...

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If You’ve Ever Tried and Failed at Budgeting

This article was written by Sandi Martin from Spring Personal Finance and was originally published on Spring the Blog July 21st 2015, but it was so good we wanted to share it on our blog as well! If you've ever tried and failed at budgeting, or if you've never tried...

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Bank of Canada Rate Announcement May 25th, 2016

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent.The global economy is evolving largely as the Bank projected in its April...

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CMHC Housing Starts Report | May 2016

It's been said that talking about the Canadian Housing Market is like talking about the weather in Canada. "How's the weather in Canada today"? seems like a rather odd question, it all depends where you are! Similarly, the Canadian Mortgage and Housing Corporation...

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Mortgage Costs About to Rise

Non-bank lenders rely heavily on securitization (selling mortgages to investors to raise money). They then lend that money out to new borrowers. This July, that’s about to get a whole lot more complicated…and costly.Big changes are afoot in the mortgage business, and...

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FICOM Consumer Alert May 2016

Attempts to sell your own property online may be targeted by unlicensed operators The Office of the Superintendent of Real Estate is warning homeowners who advertise their own properties for sale online that they may be approached and offered real estate services by...

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The Importance of Disability Insurance

It took a journey back into the archives to find this little beauty of a video by Canadian finance expert Preet Banerjee. Before giving Ted Talks, or appearing regularly on CBC Marketplace, or any of the other countless...

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Go Ahead, Spend Your Tax Refund

This article was written by Sandi Martin from Spring Personal Finance and was originally published here on March 29th 2016.Ah, spring. The time of year when flowers bloom, birds sing, and the entire internet starts yelling at you for getting a tax refund or - even...

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Bank of Canada Rate Announcement April 13th, 2016

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Growth in the global economy is expected to strengthen gradually from about...

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First Time Home-Buyers’ Tax Credit

Everything You Need to Know!Have you heard about a First Time Home Buyers Tax Credit, but aren't sure what it is or if you qualify? You are in the right place!The Government of Canada recently published this video on their website to explain the First Time...

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Questions and Answers | Smart Home Series

Welcome to the third and final post in a series about smart homes and technology. In case you want to start at the beginning, you can find the introduction here, while we went room to room in the second post. Now, this post WAS going to focus on new gadgets, fresh off...

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The Smart Home: Room By Room | Smart Home Series

Last week on the blog we talked about smart technology, this week we go through the home. Next week we finish the series with a question and answer period that will help you decide which smart technology is right for you! Varied, intricate but certainly user friendly,...

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Bank of Canada Rate Announcement March 9th, 2016

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent.The global economy is progressing largely as the Bank anticipated in its...

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4 Reasons Why Vinyl is a Must For Any Home Theatre System

After decades of being hidden away in second hand stores, basements and crawl spaces, vinyl, in all its nostalgic glory, is back! Store shelves are being stocked with records (both the oldies as well as the new stuff); and the internet is abuzz with old school “LP”...

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5 of Vancouver’s Most Popular Winter Activities

Skiing & Snowboarding (Not Included)Do you live in or near Vancouver? Are you an outdoors lover, minus the whole skiing and snowboarding thing? Are you wondering how to spend your free time during the long, dreary winter months? Well, wonder no longer! The...

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BC Budget 2016 | Improving Housing Affordability

For Immediate Release: Backgrounder Feb 16, 2016. BC Balanced Budget 2016.New Measures Aim To Improve Housing AffordabilityNewly built homes priced up to $750,000 will be fully exempt from the property transfer tax when bought by Canadian citizens or permanent...

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Printing Imagination (and Homes!)

A child’s imagination is certainly something to behold. From pillow forts that double as outlying starbases, to walks in the forest that double as adventures travelling up and over the world’s tallest peaks, this gift that children possess- that of finding joy (not to...

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Don’t Get Squished: How To Survive The Sandwich Years

This article was written by Randy Cass of Nest Wealth and was originally published on January 15th, 2016. Your 40s and 50s bring a new, different kind of financial challenge. In your 20s and 30s, you probably struggled with the question of how to make enough money....

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A List on Cool Stuff for Kids

If you have kids, you already know they play. Everywhere. All the time. So here are some great ideas for their bedrooms, playrooms, backyards, and anywhere else they are able to have fun, so you can possibly (not likely) contain them to a specific area in your house....

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Bank of Canada Rate Announcement Jan 20th, 2016

Amidst much speculation, the Bank of Canada announced today that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. It appears 2016 is picking up where 2015 left off,...

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The Purpose of Property Assessments [Video]

Have you ever wondered why we pay property taxes or how "they" decide who pays what? This video by BC Assessment explains the purpose of property taxes, and how they benefit everyone! Enjoy! Transcript: This is Milltown a...

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BC Property Assessment by Region [Video]

This is the 2016 British Columbia property assessment overview. Prepared for you by us, BC Assessment, your trusted go-to source for property information. 2016 property assessments are based on property values as of July...

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BC Home Owner Grant Threshold Increases in 2016

British Columbians who own homes valued up to $1.2 million may be eligible to receive a full home owner grant this year, while a partial grant may be available if the home is valued above this threshold. The home owner grant provides modest property tax relief to...

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What Will You Accomplish in 2016?

Goodbye 2015. Hello 2016! The start of a new calendar year is an excellent time to reflect on the year that was, and to set goals for the year ahead. Have you spent any time sorting what you would like to accomplish in 2016? On most "New Year Resolutions Lists" you...

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Happy Holidays 2015

As this year draws to a close and holiday mode is in full swing, I just wanted to wish you the best holidays ever and an even happier new year! Thanks to all my clients and associates for making 2015 a great year! Just a quick heads up that this will be the last...

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Be More Productive with the Rule of 3

This article was originally published on LinkedIn by Chris Bailey on Oct 28th 2015. Chris is a self-proclaimed Jedi Master at A Life of Productivity where he blogs about being productive. For Some Strange Reason, Our Brain is Wired to Think in Threes. As kids, we grow...

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A List on Garages

As families grow and the limits of space are reached in the home, the garage is no longer just a comfortable place to park the car in the winter... it becomes quite the multipurpose room (which is code for storage locker for stuff you don't really use but don't want...

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Breaking: New Minimum Downpayment Rules

Finance Minister Bill Morneau, announced in a press conference this morning that the Canadian government is making changes to the minimum downpayment in order to "encourage stability in the Canadian housing market." The federal government has just announced that they...

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The Budgeting Resource Everyone Has (And Nobody Uses)

This article was written by Sandi Martin of Spring Personal Finance and was originally published here on Spring The Blog on Oct. 27th 2015. Does This Sound Familiar? You’ve read a book or a blog series or watched a show about budgeting and getting your money under...

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Bank of Canada Rate Announcement Dec 2nd, 2015

Ending The Year on a Quiet Note The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. As we come to the final Bank of Canada rate...

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2015 CMHC First-Time Homebuyers Survey [Infographic]

For many Canadians, buying their first home is the single, largest purchase they will ever make. CMHC’s First-Time Homebuyers Survey provides valuable information about this group with insights into their buying behaviours and preferences. In April 2015, CMHC...

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Man Caves vs She Sheds

If you talk to any REALTOR®, they will confirm that in couples looking to find their "forever home" there has been a recent surge in demand for a space dedicated as a man cave. It could be the basement (the darker the better) or it could be in a garage, regardless,...

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CMHC Housing Market Assessment | Q4 Report

Talking about the "Canadian Housing Market" can be a lot like asking the question "What's the weather like in Canada today?" This is because like the weather, housing markets are very local. It can be sunny and plus 21 in one city and 100 kms away it can be minus 8...

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Bank of Canada Rate Announcement Oct 21st, 2015

It's Business As Usual The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. The last couple of days have provided a lot for...

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What a Liberal Majority Means for the Mortgage Market

This article was originally published on Canadian Mortgage Trends, a publication of the Canadian Association of Accredited Mortgage Professionals (CAAMP) on October 20th 2015. The Liberal Effect The Liberals’ new majority gives them all the power they need to...

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Happy Thanksgiving 2015

It's Friday and the long weekend is almost here! Happy Canadian Thanksgiving! Now, if you have been thinking about ditching the turkey this year, but are still on the fence, here is a list of "Turkey Alternatives" you should consider, brought to you by Gordon Ramsay...

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A List On Living Off Grid

If the great BC power outage of 2015 taught us anything, it was that anything can happen at any time. Final tallies estimate power was lost to over 500,000 homes and businesses across BC, with some outages lasting several days. This had a lot of people taking a good...

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Have You Considered Going Tankless?

If you are looking for ways to be more responsible with energy costs around your home (and save a little money in the process), considering a tankless water heater is probably already on your radar. But is it really worth...

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Bank of Canada Rate Announcement Sept 9th, 2015

No rate changes today! The Bank of Canada announced today that it will be maintaining it's target for the overnight rate at 3/4 per cent while the deposit rate will remain at 1/4 per cent. This news comes as no real surprise. According to a recent Reuters Poll, of 40...

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MARCI DEANE | MORTGAGE PROFESSIONAL

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