All Things S'Mortgages

Stay informed about the latest s'mortgage news and trends with my comprehensive guide. From interest rates to refinancing, I've got you covered. Subscribe to receive regular updates and expert insights.

Understanding the Role of a Mortgage Broker

Some people think we just shop around for rates, while others assume we charge hefty fees for something they could do themselves.

Ashleigh Holtman

Mar 33 min read

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How Tariffs Affect Mortgage Interest Rates

Tariffs can have a significant impact on the economy, which in turn affects interest rates, including those for mortgages.

Ashleigh Holtman

Feb 43 min read

74 views

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Understanding the Rising Property Assessments: What’s Driving the Increase?

Property assessments have been a hot topic recently, with many homeowners noticing a substantial increase in their assessed property values.

Ashleigh Holtman

Jan 73 min read

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Understanding Debt-to-Income (DTI) Ratio for Canadian Mortgage Applicants

When you’re applying for a mortgage, understanding your Debt-to-Income Ratio (DTI) is one of the most important steps.

Ashleigh Holtman

Dec 2, 20243 min read

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The Ultimate Guide to Refinancing Your Mortgage in Canada: November 2024 Update

As interest rates shift and home values rise, many Canadian homeowners are wondering if it’s the right time to refinance.

Ashleigh Holtman

Nov 5, 20243 min read

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Navigating Mortgages During a Separation: What You Need to Know

Separation is an emotionally challenging time, and the financial aspect can be equally complex, especially when it comes to your mortgage.

Ashleigh Holtman

Oct 1, 20242 min read

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Guide to First-Time Homebuyer Programs in Canada

Canada offers several programs designed to help first-time homebuyers ease into the process.

Ashleigh Holtman

Sep 4, 20243 min read

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"Does the Bank of Canada Rate Announcement Affect My Fixed Interest Rate?"

When it comes to choosing a mortgage, one of the most crucial decisions you'll make is whether to opt for a fixed or variable rate.

Ashleigh Holtman

Aug 2, 20243 min read

59 views

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What Documents Do You Need Proof of to Qualify for a Mortgage in Canada?

Applying for a mortgage can seem like a daunting process, but being prepared with the right documentation can make it much smoother.

Ashleigh Holtman

Jun 1, 20243 min read

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Cultivating Homeownership: Empowering First-Time Buyers in Canada

Let's talk about some exciting developments that emerged recently, courtesy of the Canadian government. These changes are designed to pave a

Ashleigh Holtman

May 1, 20242 min read

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Exploring Your Mortgage Options: Embracing the Dynamic Dance Between Fixed and Variable Rates

Ashleigh Holtman

Apr 5, 20242 min read

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Are you about to embark on the exciting adventure of buying a home? Congratulations! It's like adulting on expert mode.

Ashleigh Holtman

Sep 1, 20233 min read

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Understanding the Differences Between an Insured Mortgage and a Conventional Mortgage

When it comes to purchasing a home, one of the most crucial decisions is selecting the right type of mortgage. Among the various options...

Ashleigh Holtman

Aug 1, 20233 min read

144 views

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Navigating Property Taxes: Understanding the Basics and Making Informed Decisions

Property taxes are an integral part of homeownership and play a crucial role in funding public services and infrastructure.

Ashleigh Holtman

Jul 3, 20232 min read

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