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As a mortgage broker, there are instances when you will come across clients who have a low credit score but are interested in getting lending facilities. It is for such people that bad credit loans exist and as a broker, you also have a role to play in helping them to find a mortgage. With…

The mortgage application process has changed a lot in Canada over the past few years. The introduction of the new mortgage rules imposed in late 2018 did nothing but complicate it further, following the inclusion of additional measures for determining who qualifies for a mortgage, and for what amount. The process of applying for a…

A second mortgage simply refers to a mortgage taken against the equity of your home. This is something that every mortgage broker should help their clients understand. It is usually appalling to see how some Canadians struggle to get cash from costly avenues when they have enough equity in their homes that they could easily…

Many Canadians dream of becoming homeowners, but there are many obstacles that they must overcome. Some of the challenges faced by the majority, especially the young families, include the rising cost of housing, rising costs of living, the need to save for retirement and other financial needs including day to day expenses like utilities, rent,…

The mortgage industry in Canada is so robust, and out of it, careers such as mortgage brokerage have flourished over the years. Guardian Financing is a private mortgage lender dedicated to helping homeowners and real estate investors have access to funding capital, working in conjunction with mortgage brokers. If you are a broker and realize…

If you are seeking a first or second mortgage, and you know that the lenders will not be pleased with the state of your credit, then the road ahead may be bleak, but there are several routes you can take to get to your destination. It is sad that most lenders rely on your credit…

It is no secret that business has evolved. Dramatic changes and disruptive technologies have completely revolutionized how businesses operate, and those who manage to stay afloat have the knowledge and ability to adapt fast by changing their policies and learning new skills to remain in tandem with the changes taking place in their respective industries.…