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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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  • 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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  • Season’s Greetings From Keith Uthe Demystifying Mortgages

    Author: Keith Uthe Demystifying Mortgages | Dec 02, 2021 | Categories: Home Mortgage , Mortgage Broker , Mortgage Specialist

    Season’s Greetings From Keith Uthe Demystifying Mortgages

    Keith Uthe Demystifying Mortgages wishes you all the best for the Holiday Season! May your time with family and friends be filled with joy, love, and happiness. We are looking forward to a new normal in 2022, full of growth and abundance for everyone!

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  • What to do if You Have a Zero Credit Score?

    Author: External Author | May 05, 2021 | Categories: Licensed Mortgage Agent , Mortgage Specialist

    Original Article Source Credits:   Loans Canada , https://loanscanada.ca/

    Article Written By:  MARK GREGORSKI

    Original Article Posted on:  NA

    Link to Original Article:  https://loanscanada.ca/credit/what-to-do-if-you-have-a-zero-credit-score/

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  • This Weeks Top Stories: IMF Warns Canadian Real Estate Prices Are Overvalued, And Over-Leveraged Borrowers Now A Record Market Share

    Author: External Author | Apr 21, 2021 | Categories: Mortgage Associate , Mortgage Broker , Mortgage Specialist

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

    Article Written By:  Better Dwelling

    Original Article Posted on:  APRIL 4, 2021

    Link to Original Article:  https://betterdwelling.com/this-weeks-top-stories-imf-warns-canadian-real-estate-prices-are-overvalued-and-over-leveraged-borrowers-now-a-record-market-share/

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  • Canadians Take On Mortgage Debt at Fastest Pace in a Decade

    Author: External Author | Mar 03, 2021 | Categories: Mortgage Specialist

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

    Article Written By:  Erik Hertzberg

    Original Article Posted on:  February 19, 2021

    Link to Original Article:  https://ca.finance.yahoo.com/news/canadians-pile-mortgage-debt-fastest-182942525.html

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  • Forget a Crash: Canada Housing Market Just Got a Big Thumbs-Up!

    Author: External Author | Feb 24, 2021 | Categories: Construction Mortgage , Home Mortgage , Mortgage Associate , mortgage interest , Mortgage Specialist

    Original Article Source Credits:   The Motley Fool , https://www.fool.ca/

    Article Written By:  Vineet Kulkarni 

    Original Article Posted on:  January 22, 2021 

    Link to Original Article:  https://www.fool.ca/2021/01/22/forget-a-crash-canada-housing-market-just-got-a-big-thumbs-up/

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  • How Canada’s Mortgage Lenders Adapted to the ‘New Normal’

    Author: External Author | Jan 13, 2021 | Categories: Home Mortgage , Licensed Mortgage Agent , Mortgage Associate , Mortgage Broker , Mortgage Specialist

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

    Article Written By:  Steve Huebl

    Original Article Posted on:  December 11, 2020

    Link to Original Article:  https://www.canadianmortgagetrends.com/2020/12/how-canadas-mortgage-lenders-adapted-to-the-new-normal/

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  • Average Toronto Home Prices Forecast to Rise Another 6% in 2021

    Author: External Author | Dec 30, 2020 | Categories: Business Financing , Certified Real Estate Investment Adviser , Home Mortgage , Mortgage Broker , mortgage interest , Mortgage Refinancing , Mortgage Specialist , Second Mortgage

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

    Article Written By:  Ainsley Smith

    Original Article Posted on:  December 2, 2020

    Link to Original Article:  https://torontostoreys.com/toronto-home-prices-increase-2021-remax/

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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

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  • 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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  • First Phase of Ontario’s ‘Modernized’ Real Estate Rules Officially in Effect

    Author: External Author | Oct 14, 2020 | Categories: Certified Real Estate Investment Adviser , Home Mortgage , Mortgage Associate , Mortgage Broker , Mortgage Refinancing , Mortgage Specialist , Second Mortgage

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

    Article Written By:   Ainsley Smith

    Original Article Posted on:  October 1, 2020

    Link to Original Article:  https://torontostoreys.com/first-phase-ontario-real-estate-rules-tresa/

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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


  • 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


  • 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


  • 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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Recent Posts

  • The Smith Maneuver: The Loophole Canadian Real Estate Owners Use To Lower Taxes
  • Making A Difference In Your Future Wealth!
  • Season’s Greetings From Keith Uthe Demystifying Mortgages
  • What to do if You Have a Zero Credit Score?
  • This Weeks Top Stories: IMF Warns Canadian Real Estate Prices Are Overvalued, And Over-Leveraged Borrowers Now A Record Market Share
  • Canadians Take On Mortgage Debt at Fastest Pace in a Decade
  • Forget a Crash: Canada Housing Market Just Got a Big Thumbs-Up!
  • How Canada’s Mortgage Lenders Adapted to the ‘New Normal’
  • Average Toronto Home Prices Forecast to Rise Another 6% in 2021
  • How Do Credit Score Ranges Work?
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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