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The Difficulty of Getting a Mortgage When You Are Self Employed
 The Difficulty of Getting a Mortgage When You Are Self Employed 1024 440 Guardian Financing
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More and more Canadians are getting into self-employment or working on a contractual basis.  Recent statistics indicate that almost 23% of all income earners in the country are self-employed or survive on part time jobs. Unfortunately, it is not always easy for them to be…

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private mortgage loans
Is Now The Right Time To Lock In Your Mortgage Rate?
 Is Now The Right Time To Lock In Your Mortgage Rate? 1024 444 Guardian Financing
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The most important question for borrowers at this particular time is if the rates will increase within the year and if so, by how much? Since most Canadians prefer the five year fixed rate mortgage, here is a brief look at the trend currently: The…

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Get Out of Debt
Four Tips to Get Out of Debt Fast in 2018
 Four Tips to Get Out of Debt Fast in 2018 1024 435 Guardian Financing
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Moving ahead financially is nearly impossible if you are in debt. Debt is like a heavy ball tied to your leg which makes it impossible for you to make any headways as far as your finances are concerned. But the good news is that you…

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Newsletter April 2018
 Newsletter April 2018 1024 539 Guardian Financing
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Welcome to the Guardian Financing April, 2018 monthly newsletter. This month’s issue is on How Brokers can Build a Reputation on Social Media in 2018. How Brokers Can Build a Reputation on Social Media in 2018 There has been an increase in the use of…

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Why Wage Increases Make Companies Worry About Their Profits
 Why Wage Increases Make Companies Worry About Their Profits 1024 512 Guardian Financing
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Several countries in the world are advocating for a wage increase, and whereas this is a good thing for the individual employees, companies and businesses don’t share the same joy every time there is an increase in wages. In the United States for instance, the…

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Three Mortgage Rules in 2018 and Their Effects on Consumers
 Three Mortgage Rules in 2018 and Their Effects on Consumers 1024 400 Guardian Financing
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Most Canadians looking forward to acquiring mortgages have become aware that the rules have changed, and the noose has become tighter as far as qualifying for mortgages is concerned. The regulations that took effect beginning January 2018, have completely altered the playing field, and if…

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Newsletter March 2018
 Newsletter March 2018 1024 384 Guardian Financing
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Welcome to the Guardian Financing March 2018 monthly newsletter. This month’s issue is about the potential burst of the Canada Housing market. Canada Housing Bubble is starting to burst It seems as if the Minsky Moment for the Canadian housing market has finally arrived. Through…

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Perform Your Own Stress Test – Mortgage 2018
 Perform Your Own Stress Test – Mortgage 2018 1024 480 Guardian Financing
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Are you ready to opt for a mortgage? Or are you a homeowner looking forward to renewing their mortgage or upgrading your home to something bigger and better than what you have at the moment? Well, don’t just think it will be smooth sailing. The…

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Is It Time to Leave The REIT Sector or Hold On for A While?
 Is It Time to Leave The REIT Sector or Hold On for A While? 1024 528 Guardian Financing
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REITs have been recording all all-time highs, and the question that most real estate investors are asking is whether it is the right time to leave the sector or to hold on for just a little longer. Due to rising bonds, the publicly traded real…

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Canada’s New Mortgage Stress Test
 Canada’s New Mortgage Stress Test 1024 432 Guardian Financing
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From 1st January 2018, any Canadian seeking mortgage from a federally regulated lender will be subjected to a mortgage stress test before they are granted the lending facility. It implies that mortgage seekers will now have to qualify for BOC’s 5-year benchmark rate for the…

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