The Home Happy Blog

How the New Mortgage Rules Impact You

How the New Mortgage Rules Impact You

Thinking of buying or refinancing next year? Well worth considering it sooner than later; another wave of Government Regulations comes into effect Jan 1st that will impose greater restrictions and income qualifications for ALL mortgages and refinancing, essentially...

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Your Work Makes You Happier Than You Think

While we may think we dislike our work, research shows we’re considerably less happy doing nothing. The great paradox of working for a living, according to a recent longread by Derek Thompson for The Atlantic, is “that while many people hate their jobs, they are...

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Bank of Canada Rate Announcement Sept 6th, 2017

The following is the Bank of Canada rate announcement released this morning, if you have any questions about what this rate increase means for you and your mortgage, please don’t hesitate to contact us anytime. If you’re a fixed rate mortgage holder, this change...

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How to Not Qualify for a Mortgage

If you have no desire at all to qualify for a mortgage, here are some great ways to make sure you don't accidentally end up buying a house and taking out a mortgage to do so. One of the best ways to ensure you won't qualify for a mortgage is to be unemployed. Yep,...

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In the Middle of a 10 Year Term? You Have Options!

If you bought a house, or had a mortgage renew roughly five years ago, there's a chance the struggling economy and the relatively low interest rate environment (at the time) influenced you to "play it safe" and lock in a mortgage term for the next ten years. Because,...

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5 Things to Help You Survive Your 40s & 50s

You know those days where everything goes wrong and you’re so tired you don’t know what direction’s up? They’re a lot more manageable when you know what you’re working towards. Here’s 5 things that’ll help you survive—and make the most of!—your 40s and 50s. 1. Do work...

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A Strong Case for Homeownership

Housing affordability questions have placed homeownership and public policy near the top of the national agenda, as mortgage brokers know. Most of the commentary has been focused on the extent to which government policy, particularly with regards to supply, is...

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Finding the Right Home Without Blowing Your Budget

If you have been looking to find the right first home within your budget, it's a matter of mind over money, here's some tips from Genworth Financial that will help you keep perspective! It’s hard to say “goodbye” to your dream home. But if you fall for a house that’s...

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I Missed a Credit Card Payment… Now What?

If you've missed a payment on your credit card (or line of credit) and you're wondering how this will impact your creditworthiness down the road, this article is for you. But before we get started, if you have an overdue balance on any of your credit cards at this...

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Bank of Canada Hikes Rates

Bank of Canada Turns the Tide For the first time in seven years, the Bank of Canada announced today that it was hiking its key overnight rate by a quarter percentage point (25 basis points) bringing it to 0.75 percent as the economy has staged a broadly based economic...

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