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Blog by Keith Uthe Demystifying Mortgages
  • The Smith Maneuver: The Loophole Canadian Real Estate Owners Use To Lower Taxes

    Author: External Author | Dec 29, 2021 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , First Time Home Buyers , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Original Article Source Credits:   Better Dwelling , https://betterdwelling.com/

    Article Written By:  Stephen Punwasi

    Original Article Posted on:  Dec 27, 2021

    Link to Original Article:  https://betterdwelling.com/the-smith-maneuver-the-loophole-canadian-real-estate-owners-use-to-lower-taxes/amp/

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  • The Truth About Mortgage Pre-approvals

    Author: Keith Uthe Demystifying Mortgages | Aug 05, 2021 | Categories: Home Mortgage , Mortgage Broker , mortgage preapproval

    The Truth About Mortgage Pre Approvals - Blog by Keith Uthe Demystifying Mortgages

    If you want to purchase a house but are unsure about how much you can spend, knowing which homes are within your range is difficult. For example, you might find a property that looks exactly like your dreams but have no idea about whether it’s a realistic option for your budget. In such cases, it helps if you get a pre-approval. A pre-approval means that a lender has agreed, in principle, to lend you a specific amount towards the purchase of a house. However, they have not yet proceeded to the final approval. A pre-approval allows you to know the maximum funds available to you so you can narrow your search and negotiate with more certainty.

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  • How to Prepare for a Mortgage  in 7 Quick Steps

    Author: Keith Uthe Demystifying Mortgages | Sep 21, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying

    How to Prepare for a Mortgage in 7 Quick Steps - Blog by Keith Uthe Demystifying Mortgages

    Getting the best mortgage on your home makes a huge difference in affordability, financial wealth and abundance. It can save you hundreds or cost you thousands.

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  • Real Estate Investors Skip Paying Loans While Raising Billions

    Author: External Author | Sep 09, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Construction Mortgage , Debt Consolidation , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Original Article Source Credits: Yahoo Finance , https://ca.finance.yahoo.com/

    Article Written By: John Gittelsohn

    Original Article Posted on: August 24, 2020

    Link to Original Article:  https://ca.finance.yahoo.com/news/real-estate-investors-skip-paying-110000020.html

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  • Bank of Canada Hints at No Interest Rate Hikes Until 2023

    Author: External Author | Aug 19, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist

    Original Article Source Credits: CANADIAN MORTGAGE TRENDS , https://www.canadianmortgagetrends.com/

    Article Written By : Steve Huebl

    Original Article Posted on : July 16, 2020

    Link to Original Article:  https://www.canadianmortgagetrends.com/2020/07/bank-of-canada-hints-at-no-interest-rate-hikes-until-2023/

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  • Bank of Canada Lowers Benchmark Qualifying Rate to 4.79%

    Author: Keith Uthe Demystifying Mortgages | Aug 16, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Bank of Canada Lowers Benchmark Qualifying Rate to 4.79 - Blog by Keith Uthe Demystifying Mortgages

    For the second time since the beginning of the pandemic, the Bank of Canada has lowered the benchmark qualifying rate a further .15% to 4.79%. For a buyer with an annual income of $80,000 that is approximately $6,300 of additional mortgage space compared to the previous qualifying rate of 4.94% and approximately $11,000 more than the qualifying rate of 5.04% that was in place at the beginning of the pandemic.

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  • Overview of Q1 2020 National Mortgage and Credit Trends

    Author: External Author | Aug 12, 2020 | Categories: Certified Real Estate Investment Adviser , Construction Mortgage , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing

    Original Article Source Credits: Canada Mortgage and Housing Corporation , https://www.cmhc-schl.gc.ca/

    Article Written By : NA

    Original Article Posted on : July 15, 2020

    Link to Original Article:  https://www.cmhc-schl.gc.ca/en/housing-observer-online/2020-housing-observer/overview-q12020-national-mortgage-credit-trends

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  • How the Government Has Saved the Economy from COVID-19…So Far

    Author: External Author | Aug 05, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing

    Original Article Source Credits: CANADIAN MORTGAGE TRENDS , https://www.canadianmortgagetrends.com/

    Article Written By : Steve Huebl

    Original Article Posted on : July 23, 2020

    Link to Original Article:  https://www.canadianmortgagetrends.com/2020/07/how-the-government-has-saved-the-economy-from-covid-19-so-far/

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  • Design your Financial Life with a Certified Financial Life Professional

    Author: Keith Uthe Demystifying Mortgages | Aug 04, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage preapproval , Mortgage Rates

    Design your Financial Life with a Certified Financial Life Professional - Blog by Keith Uthe Demystifying Mortgages

    As most of you know, my personal vision is that 'Everyone Shall Live a Life of Abundance'. I am always seeking ways that will help me be successful in fulfilling that vision in what I do as a mortgage broker and real estate investor.

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  • Bank of Canada expected to hold overnight target rate

    Author: External Author | Jul 02, 2020 | Categories: Construction Mortgage , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Original Article Source Credits: The chronicle herald , https://www.thechronicleherald.ca/

    Article Written By : Myke Thomas

    Original Article Posted on : Jun 19

    Link to Original Article:  https://www.thechronicleherald.ca/lifestyles/homes/bank-of-canada-expected-to-hold-overnight-target-rate-464282/

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  • Home Sales & Prices Wont Fully Recover Until 2022, Says CMHC

    Author: External Author | Jul 02, 2020 | Categories: Construction Mortgage , Debt Consolidation , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates

    Original Article Source Credits: CANADIAN MORTGAGE TRENDS , https://www.canadianmortgagetrends.com/

    Article Written By : Steve Huebl

    Original Article Posted on : June 24, 2020

    Link to Original Article:  https://www.canadianmortgagetrends.com/2020/06/home-sales-prices-wont-fully-recover-2022-says-cmhc/

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  • Mortgage Rates Keep Setting New Record Lows

    Author: External Author | Jul 02, 2020 | Categories: Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Broker , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing

    Original Article Source Credits: CANADIAN MORTGAGE TRENDS , https://www.canadianmortgagetrends.com/

    Article Written By : Steve Huebl

    Original Article Posted on : June 30, 2020

    Link to Original Article:  https://www.canadianmortgagetrends.com/2020/06/mortgage-rates-keep-setting-new-record-lows/

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  • How The New Mortgage Qualification Rules Could Soon Affect HomeBuyers

    Author: Keith Uthe Demystifying Mortgages | Jun 30, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    How The New Mortgage Qualification Rules Could Soon Affect Home Buyers - Blog by Keith Uthe Demystifying Mortgages

    In response to the COVID-19 pandemic and in an attempt to protect the economic future of Canadians, the Canadian Mortgage and Housing Corporation (CMHC) announced in early June that it would be tightening its qualification rules for mortgage insurance from July 1, 2020.  Fortunately, they are two other mortgage insurers: Genworth and Canada Guarantee and neither of them are changing their qualification rules.

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  • One in 20 Homeowners Have Missed a Mortgage Payment Due to COVID-19

    Author: External Author | Jun 03, 2020 | Categories: Mortgage Associate , Mortgage Broker , mortgage preapproval , mortgage prequalifying , Mortgage Refinancing , Rental Property Financing , Second Mortgage

    Original Article Source Credits: Canadian mortgage trends , https://www.canadianmortgagetrends.com/

    Article Written By : Steve Huebl

    Original Article Posted on : April 22, 2020

    Link to Original Article:  https://www.canadianmortgagetrends.com/2020/04/one-in-20-homeowners-have-missed-a-mortgage-payment-due-to-covid-19/

    Read More


  • CMHC expands Insured Mortgage Purchase Program

    Author: External Author | May 20, 2020 | Categories: Home Mortgage , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Specialist , Second Mortgage

    Original Article Source Credits: Cision  , https://www.newswire.ca/

    Article Written By : NA

    Original Article Posted on : Mar 26, 2020

    Link to Original Article:  https://www.newswire.ca/news-releases/cmhc-expands-insured-mortgage-purchase-program-816774510.html

    Read More


  • Unprecedented Number of Canadians Looking to Refinance Mortgages: Report

    Author: External Author | Apr 22, 2020 | Categories: Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing

    Original Article Source Credits: Toronto Storeys , https://torontostoreys.com/

    Article Written By : Toronto Storeys

    Original Article Posted on : April 9, 2020

    Link to Original Article:  https://torontostoreys.com/canadians-refinancing-mortgages-coronavirus/

    Read More


  • Mortgage Rates Falling as Economic Turmoil Persists

    Author: External Author | Apr 08, 2020 | Categories: Business Financing , Construction Mortgage , Home Mortgage , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates

    Original Article Source Credits:canadianmortgagetrends , https://www.canadianmortgagetrends.com/

    Article Written By :Steve Huebl

    Original Article Posted on :March 11, 2020

    Link to Original Article:https://www.canadianmortgagetrends.com/2020/03/latest-in-mortgage-news-mortgage-rates-falling-as-economic-turmoil-persists/

    Read More


  • The Different Types Of Mortgages Available To You

    Author: Keith Uthe Demystifying Mortgages | Apr 08, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    The Different Types Of Mortgages Available To You - Blog by Keith Uthe Demystifying Mortgages

    Are you planning to buy a new house but don’t know where to begin when it comes to financing it? If you’re struggling to make sense of the mortgage system and the different options available, you’re not alone. Mortgages can be complicated if you aren’t aware of how they work. Moreover, it isn’t easy to make the right decisions based on your needs and capabilities if you don’t understand what your choices are. To help you make sense of mortgages, Keith Uthe Demystifying Mortgages has explained the different types of mortgages available to you.

    Read More


  • Canada's Mortgage Stress Test To Get An Overhaul In April

    Author: External Author | Mar 18, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Original Article Source Credits: HuffingtonPost, https://www.huffingtonpost.ca/

    Article Written By Canadian Press

    Original Article Posted on :2/18/2020

    Link to Original Article: https://www.huffingtonpost.ca/entry/mortgage-stress-test_ca_5e4c2e67c5b6eb8e95b3bcc2

    Read More


  • Latest in Mortgage News: Meridian Credit Union Raises $125 Million

    Author: External Author | Mar 11, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Commercial Financing , Construction Mortgage , Debt Consolidation , Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , mortgage preapproval , mortgage prequalifying , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist , Rental Property Financing , Second Mortgage

    Original Article Source Credits:Canadian mortgage trends,https://www.canadianmortgagetrends.com/

    Article Written By Steve Huebl

    Original Article Posted on : February 26, 2020

    Link to Original Article: https://www.canadianmortgagetrends.com/2020/02/latest-in-mortgage-news-meridian-credit-union-raises-125-million/

    Read More


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  • Certified Real Estate Investment Adviser
  • Commercial Financing
  • Construction Mortgage
  • Debt Consolidation
  • First Time Home Buyers
  • Home Mortgage
  • Licensed Mortgage Agent
  • Lowest mortgage rate
  • Mortgage Associate
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  • mortgage interest
  • mortgage preapproval
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Recent Posts

  • The Smith Maneuver: The Loophole Canadian Real Estate Owners Use To Lower Taxes
  • The Truth About Mortgage Pre-approvals
  • How to Prepare for a Mortgage  in 7 Quick Steps
  • Real Estate Investors Skip Paying Loans While Raising Billions
  • Bank of Canada Hints at No Interest Rate Hikes Until 2023
  • Bank of Canada Lowers Benchmark Qualifying Rate to 4.79%
  • Overview of Q1 2020 National Mortgage and Credit Trends
  • How the Government Has Saved the Economy from COVID-19…So Far
  • Design your Financial Life with a Certified Financial Life Professional
  • Bank of Canada expected to hold overnight target rate
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101, 6420 6A Street SE Calgary, AB T2H 2B7.

Free Guides

Powered By Webware.io
  • Receive Rate and Market Updates
  • Get prequalified in 2 mins
  • Home
  • About Us
  • Residential Mortgages
    • Residential Mortgages
    • First Time Home Buyers
    • Refinance
    • Switch / Transfer
    • Debt Consolidation
    • Equity Lending
    • Construction Mortgages
    • Commercial Mortgages
    • Business Financing
    • Private Lending
    • Real Estate Investment Advising
    • Rental Property Financing
    • Renovation Financing
    • Flip Financing
    • Spousal Buyout
  • Service Areas
    • Service Areas
    • Calgary
    • Red Deer
    • Lethbridge
    • Edmonton
    • Medicine Hat
    • Across Canada
  • Testimonial
  • Mortgage Calculator
  • Credit Repair
  • Corporate Mortgage Rate
  • Smith Manoeuvre Mortgages
  • Blog
  • Contact Us