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Blog by Keith Uthe Demystifying Mortgages
  • The Truth About How Fixed Rates Are Determined

    Author: Keith Uthe Demystifying Mortgages | Jan 17, 2022 | Categories: Home Mortgage , Mortgage Broker , Mortgage Rates

    The Truth About How Fixed Rates Are Determined - Blog by Keith Uthe Demystifying Mortgages

    Purchasing a new home is exciting and, of course, one of the biggest purchases you will ever make. And if you’re like most people who need to borrow money by taking out a mortgage, you will need to decide whether you should choose a fixed rate or a variable rate mortgage.

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  • 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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  • Making A Difference In Your Future Wealth!

    Author: Keith Uthe Demystifying Mortgages | Dec 06, 2021 | Categories: Mortgage Broker , Mortgage Rates , Mortgage Specialist

    Making A Difference In Your Future Wealth - Blog by Keith Uthe Demystifying Mortgages

    When it comes to making changes to the way people perceive mortgages and wealth, we work with many of them to avoid making mistakes that could cost and impact them for the rest of their lives. When it comes to getting a mortgage, you want to make sure the people you are working with understand who you are, what your wealth goals are, and what the most appropriate mortgage is for your situation. Many think using a mortgage broker costs them money when in fact, in most instances, it costs nothing with only some special situations, where paying a commission is required. When borrowers don’t work with a mortgage broker, what they end up discovering is that they have cost themselves more in the long run because they did not have someone who clearly understood their situation. That is someone with knowledge and information that could guide them to the best mortgage for their needs.

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  • Fixed Rate Versus Variable Rate - How to Decide?

    Author: Keith Uthe Demystifying Mortgages | Jun 10, 2021 | Categories: Mortgage Associate , Mortgage Broker , Mortgage Rates

    Fixed Rate Versus Variable Rate, How to Decide - Blog by Keith Uthe Demystifying Mortgages

    Over the past twelve months, the COVID-19 pandemic has affected the Canadian economy significantly, which has had a knock-on effect on the mortgage industry. 

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  • Canadian Real Estate Is Seeing Home Buyers Fall Faster Than Sellers

    Author: External Author | Jun 09, 2021 | Categories: Home Mortgage , Mortgage Associate , Mortgage Broker , Mortgage Rates

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

    Article Written By:  Kaitlin Last

    Original Article Posted on:  MAY 24, 2021

    Link to Original Article:  https://betterdwelling.com/canadian-real-estate-is-seeing-home-buyers-fall-faster-than-sellers/

    Read More


  • Odds of a Bank of Canada Micro Rate Cut Diminish Following Rate Decision

    Author: External Author | Mar 24, 2021 | Categories: Mortgage Rates

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

    Article Written By:  Steve Huebl

    Original Article Posted on:  January 21, 2021

    Link to Original Article:  https://www.canadianmortgagetrends.com/2021/01/odds-of-a-bank-of-canada-micro-rate-cut-diminish-following-rate-decision/

    Read More


  • Tight Market Conditions Keep Home Prices at Historic Highs

    Author: External Author | Jan 27, 2021 | Categories: Business Financing , Home Mortgage , Mortgage Associate , Mortgage Broker , mortgage interest , Mortgage Rates

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

    Article Written By:  Steve Huebl

    Original Article Posted on:  December 17, 2020

    Link to Original Article:  https://www.canadianmortgagetrends.com/2020/12/tight-market-conditions-keep-home-sales-and-prices-at-historical-highs/

    Read More


  • 5 Canadian Housing Market Predictions for 2021

    Author: External Author | Jan 20, 2021 | Categories: Certified Real Estate Investment Adviser , Licensed Mortgage Agent , Mortgage Associate , Mortgage Broker , mortgage interest , Mortgage Rates

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

    Article Written By:  Ainsley Smith

    Original Article Posted on:  December 28, 2020

    Link to Original Article:  https://torontostoreys.com/housing-market-predictions-zoocasa-2021/

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  • The only thing Canadians are optimistic about right now is the housing market

    Author: External Author | Nov 11, 2020 | Categories: Home Mortgage , Licensed Mortgage Agent , Lowest mortgage rate , Mortgage Associate , Mortgage Broker , mortgage interest , Mortgage Rates

    Original Article Source Credits:   Financial Post , https://financialpost.com/

    Article Written By:  Shelly Hagan

    Original Article Posted on:  Nov 02, 2020  

    Link to Original Article:  https://financialpost.com/news/economy/the-only-thing-canadians-are-optimistic-about-right-now-is-the-housing-market

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  • How Do Credit Score Ranges Work?

    Author: External Author | Oct 26, 2020 | Categories: Business Financing , Home Mortgage , Mortgage Associate , Mortgage Broker , mortgage interest , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist

    Original Article Source Credits: Credit Freedom , https://creditfreedom.ca 

    Article Written By: NA

    Original Article Posted on: NA

    Link to Original Article:  https://creditfreedom.ca/blog/how-do-credit-score-ranges-work

    Read More


  • Canadian Mortgage Debt Passes 80% Of GDP For The First Time

    Author: External Author | Oct 21, 2020 | Categories: Business Financing , Home Mortgage , Mortgage Associate , Mortgage Broker , mortgage interest , Mortgage Rates , Mortgage Refinancing , Mortgage Specialist

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

    Article Written By:  NA

    Original Article Posted on:  SEPTEMBER 29, 2020

    Link to Original Article:  https://betterdwelling.com/canadian-mortgage-debt-passes-80-of-gdp-for-the-first-time/

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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/

    Read More


  • 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

    Read More


  • 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/

    Read More


  • 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.

    Read More


  • 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/

    Read More


  • 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/

    Read More


  • 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/

    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
  • Mortgage Broker
  • mortgage interest
  • mortgage preapproval
  • mortgage prequalifying
  • Mortgage Rates
  • Mortgage Refinancing
  • Mortgage Specialist
  • Rental Property Financing
  • Second Mortgage

Recent Posts

  • The Truth About How Fixed Rates Are Determined
  • The Smith Maneuver: The Loophole Canadian Real Estate Owners Use To Lower Taxes
  • Making A Difference In Your Future Wealth!
  • Fixed Rate Versus Variable Rate - How to Decide?
  • Canadian Real Estate Is Seeing Home Buyers Fall Faster Than Sellers
  • Odds of a Bank of Canada Micro Rate Cut Diminish Following Rate Decision
  • Tight Market Conditions Keep Home Prices at Historic Highs
  • 5 Canadian Housing Market Predictions for 2021
  • The only thing Canadians are optimistic about right now is the housing market
  • How Do Credit Score Ranges Work?
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Copyright © 2022
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