E26 - Under The Mattress - Saving For A Down Payment? The Mortgage Life podcast

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Додано three роки тому

Вміст надано The Mortgage Life. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією The Mortgage Life або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.

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Flight of the Monarchs: Jaime Rojo on Beauty and Conservation 31:01

12 днів тому31:01

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31:01

National Geographic photographer and conservationist Jaime Rojo has spent decades capturing the beauty and fragility of the monarch butterfly. Their epic migration is one of nature’s most breathtaking spectacles, but their survival is under threat. In this episode, Jaime shares how his passion for photography and conservation led him to document the monarchs’ journey. He and host Brian Lowery discuss the deeper story behind his award-winning images, one about resilience, connection, and the urgent need to protect our natural world. See Jaime's story on the monarch butterflies at his website: rojovisuals.com , and follow Brian Lowery at knowwhatyousee.com .…

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e26 - Under the Mattress - Saving for a Down Payment?

2 роки тому 30:02

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Вміст надано The Mortgage Life. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією The Mortgage Life або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.

In this informative episode, hosts Pete, Sue, and Mindy chat with Jess Patterson about saving, budgeting, smart financial decisions, and so much more. With interest rates rising, and a new year starting, make sure you're setting and working towards your financial goals. Born and raised in Victoria, British Columbia, Jess Patterson has established a successful and thriving practice during his 16 years with IG Wealth Management. Jess takes the business of comprehensive financial planning very seriously. He prides himself in conducting his practice in a seamless and professional manner, paying close attention to the smallest of details. With a dedicated team approach, he helps individuals and corporations navigate the complex financial world in a very comprehensive manner. When he’s not in the office, Jess likes to spend time with friends and his family. Married for a little over 10 years, Jess and his lovely wife have an adorable 8-year-old daughter and two dogs.

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75 епізодів

#Business News #News #Mortgage Life

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e26 - Under the Mattress - Saving for a Down Payment?

The Mortgage Life

published 2 роки тому

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MP3•Головна епізоду

Вміст надано The Mortgage Life. Весь вміст подкастів, включаючи епізоди, графіку та описи подкастів, завантажується та надається безпосередньо компанією The Mortgage Life або його партнером по платформі подкастів. Якщо ви вважаєте, що хтось використовує ваш захищений авторським правом твір без вашого дозволу, ви можете виконати процедуру, описану тут https://uk.player.fm/legal.

In this informative episode, hosts Pete, Sue, and Mindy chat with Jess Patterson about saving, budgeting, smart financial decisions, and so much more. With interest rates rising, and a new year starting, make sure you're setting and working towards your financial goals. Born and raised in Victoria, British Columbia, Jess Patterson has established a successful and thriving practice during his 16 years with IG Wealth Management. Jess takes the business of comprehensive financial planning very seriously. He prides himself in conducting his practice in a seamless and professional manner, paying close attention to the smallest of details. With a dedicated team approach, he helps individuals and corporations navigate the complex financial world in a very comprehensive manner. When he’s not in the office, Jess likes to spend time with friends and his family. Married for a little over 10 years, Jess and his lovely wife have an adorable 8-year-old daughter and two dogs.

… continue reading

75 епізодів

#Business News #News #Mortgage Life

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e55 - Assess, Address, & Strategize: Making Sense of BC Assessments & Mortgage Statements 19:08

11 днів тому19:08

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19:08

The start of a new year is a great time to take stock of everything that happened in the past year... with your mortgage! In this episode, we break down two important documents that you'll be receiving shortly - your BC Assessment and your mortgage statement. Find out why you'll want to review these documents and listen for important tips to ensure accuracy and potentially save some money. Have a listen!!!…

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e54 - Cut to the Chase: Bank of Canada’s Rate Decrease 11:50

5 weeks тому11:50

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11:50

The Bank of Canada has once again dropped their key policy rate, this time by .25%. This rate drop will most likely cause Canadian banks to drop their prime rate by .25%, which would bring prime to 5.2%. For those with Variable Rate mortgages, Adjustable Rate mortgages, and Home Equity Lines of Credit - you will see a change to your mortgage (either payment or amortization period). For those with Fixed Rate mortgages, there will be no change. Just a reminder that in general, fixed rates follow long term bond yields and are not directly impacted by the Bank of Canada rate changes like variable and adjustable rates are. Lots of information to unpack in today's announcement. Have a listen to this episode, and reach out to us if you have any questions! Next rate announcement is March 12th, come back and listen!…

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SPECIAL FEATURE December 11, 2024 -Bank of Canada UPDATE 10:51

12 weeks тому10:51

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10:51

Christmas presents being given out by the Bank of Canada? Yup, that's right! The Bank of Canada announced today that they're cutting the overnight rate by 1/2% to 3.25% today. That means variable rate mortgage clients and those with lines of credit should see some relief in their rates shortly. Tune in to get our take on what happened and where we're going in 2025.…

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e53 - CoSigner VS Guarantor 21:50

13 weeks тому21:50

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21:50

Co-Signers and Guarantors – what exactly are they and when would you need them? In this episode we chat about potential options of including cosigners or guarantors when you can’t qualify for the mortgage on your own. We also review what is required, their legal obligations, and how easy (or difficult) it is to remove them at a later date. If you have a co-signer or guarantor on your mortgage, tune in to get all the details.…

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e52 - Fall Summer-y 53:26

17 weeks тому53:26

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53:26

From policy changes to interest rates to home values, this in an enlightening chat with Dustan Woodhouse, author of Be the Better Broker book series. After a challenging couple of years in the mortgage and real estate industry, and following the most recent drop in the Bank of Canada interest rate, we hope that you enjoy the extra perspective in this episode!…

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SPECIAL FEATURE October 23, 2024 -Bank of Canada UPDATE 7:52

19 weeks тому7:52

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7:52

Today, the Bank of Canada announced another rate cut - the fourth consecutive rate cut for the Bank this year. And, to top it off, today's rate cut is twice the size of previous cuts at 1/2 percent! Tune in to get Pete and Mindy's take on the rate cut, why it was a jumbo sized rate cut, and what might happen at the Bank of Canada's next announcement on December 11th. Have a listen!…

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e51 - Loan and behold! What documents do we NEED? 40:39

21 weeks тому40:39

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40:39

The beginning of a broker / client relationship is warm and encouraging as we discuss the client's goals and how we can achieve them...then we ask for supporting documentation... Quite often a client may feel like we're asking for too much information, and it can be quite a bit of home work for the client finding all the pieces! In all cases each lender is very specific on what they want to see in order to verify income, down payment, property details etc. We do our best to streamline the process for our clients, but document collection is a reality when it comes to getting approved for a mortgage. This episode lays out all the various documents that may be required under various scenarios. If you haven't applied for a mortgage before, this is a great listen!…

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SPECIAL FEATURE September 17, 2024 - Policy Update 10:40

24 weeks тому10:40

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10:40

Effective December 15, 2024 there are some MAJOR changes to insured mortgages. One big change is that purchases of up to $1.5M can now be insured mortgages which means your down payment can be less than 20%. Another change is bringing back 30 year amortizations on insured mortgages. Buyers who are considered first-time home buyers or buyers of newly built homes can now get a mortgage with a 30 year amortization. Lastly, we discuss the latest inflation numbers with CPI coming in at 2.0% for August which means there could be some downward pressure on variable rates. Have a listen to see what we think!…

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e50 - What DOES a Mortgage Broker do?? 32:54

25 weeks тому32:54

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32:54

What DOES a mortgage broker do? Good question! And turns out Pete and Mindy could speak about it for days! In a nutshell, mortgage brokers are independent, licensed, regulated and educated professionals who are absolutely determined to understand their clients financing needs! Have a listen to Pete and Mindy' chat!…

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SPECIAL FEATURE September 4, 2024 -Bank of Canada UPDATE 8:37

26 weeks тому8:37

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8:37

The Bank of Canada dropped the overnight lending rate by 1/4 % today. Check out this episode for our analysis of the rate drop and what's coming for possible future cuts.

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SPECIAL FEATURE July 24, 2024 - Bank of Canada UPDATE 4:48

29 weeks тому4:48

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4:48

For the second time in a row, the Bank of Canada has dropped their rate!

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e49 - Are YOU a first time home buyer? 22:02

30 weeks тому22:02

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22:02

Check out this episode where Pete and Mindy discuss some of the things you might want to think about as a first time home buyer.

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e48 - What's Up, Bank of Canada? 27:17

34 weeks тому27:17

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27:17

We chat with Brendon Ogmundson, the chief economist for the BC Real Estate Association, to find out what he thinks about the current state of interest rates. Brendon explains the recent Bank of Canada rate drop and the potential for future rate decreases. Does the Bank of Canada have any effect on fixed rates? And how do these rates affect the real estate market? Is it a good time to buy? Tune in to find out!…

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e47 - Welcome to The Mortgage Life 12:40

1 year тому12:40

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12:40

Welcome to our podcast! We have created this library of episodes to help educate our clients on some of the most important and most asked about topics relating to the mortgage process. Stay tuned for more captivating topics in the future, and in the meantime, please enjoy the 62 episodes published to date.…

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e46 - Unique Aspects of the Yukon Market 26:17

1 year тому26:17

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26:17

You might be surprised at some of the unique topics uncovered in this episode! Have a listen as Pete, Sue, and Mindy chat with Terence Tait, broker/owner at REMAX Action Realty in Whitehorse, YT.

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