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Buying and Selling Real Estate Blog

Selling Unique BC Properties

What are the New Proposed Stress Test Rules?

What are the New Proposed Stress Test Rules?Posted by Kealy Lambert on April 14, 2021
The OSFI (Office of the Superintendent of Financial Institutions) proposed an increase in uninsured mortgages' qualifying rate to the higher of the mortgage contract rate plus 200 basis points or 5.25...

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Is It A Good Time To Buy, Refinance or Invest?

Is It A Good Time To Buy, Refinance or Invest?Posted by Kealy Lambert on April 7, 2021
Is It A Good Time To Buy, Refinance, Or Invest?   Right now the market is still very hot and there are opportunities out there to get into the market! Join our friends at Thrive Mortgage ...

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Should I Put 20% Down When Buying A House?

Should I Put 20% Down When Buying A House?Posted by Kealy Lambert on March 25, 2021
When buying a home should you wait to put 20% as a down payment? Our friends at Thrive Mortgage Co. explain why this may not be the best strategy. Find out how you could loose out on $50,000...

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Is Refinancing a Bad Idea?

Is Refinancing a Bad Idea?Posted by Kealy Lambert on March 19, 2021
Have you ever been told that refinancing your home is a bad idea?   Thrive Mortgage Co. will explain why that is bad advice.   Here are a few things to keep in mind: 🟠 Your mortga...

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Should I Be Shopping At Multiple Banks To Get A Mortgage?

Should I Be Shopping At Multiple Banks To Get A Mortgage?Posted by Kealy Lambert on March 19, 2021
Should I be shopping at multiple banks to get a mortgage?   Thrive Mortgage Co. explains why this is a bad idea: 🟠 With banks, you are getting a biased opinion. They generally want to ...

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What is the Investment Planning Process?

What is the Investment Planning Process?Posted by Kealy Lambert on March 9, 2021
Are you planning on making a property investment? Our friends at Thrive Mortgage Co. give some key tips on how to navigate through that process.   🔴restructuring your existing property ...

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Rising Rates & Long Term Planning For Success

Rising Rates & Long Term Planning For SuccessPosted by Kealy Lambert on March 4, 2021
Join our friends at Thrive Mortgage Co. as they discuss not only the mortgage marketplace but also the real estate marketplace, long-term planning, and what you need to consider when the market s...

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What is the Refinancing Process?

What is the Refinancing Process?Posted by Kealy Lambert on February 25, 2021
Do you understaned the refinancing process? Our friends at Thrive Mortgage Co. do and they will walk you through the steps:   🟠 Start with a consultation to understand your goals. ...

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Assessment Vs. Appraisal: What Is The Difference?

Assessment Vs. Appraisal: What Is The Difference?Posted by Kealy Lambert on February 10, 2021
Do you know what the difference is between an assessment & and an appraisal?   Our friends at Thrive Mortgage Co. have you covered. 🙌   🟠 Assessment: Your' cities assessment o...

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Subject Free Offers: Everything You Need To Know

Subject Free Offers: Everything You Need To KnowPosted by Kealy Lambert on February 5, 2021
Hot trend alert!     Subject free offers.  Who, what, when, where, why?   This topic becomes common in a hot real estate market place when there’s a lot of competition, l...

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What is the difference between an online vs. a true pre-approval?

What is the difference between an online vs. a true pre-approval? Posted by Mariah Johnston on January 18, 2021
Friends, this is so important to watch!!! I have many clients tell me they are pre-approved but haven't yet even sat down with a broker!    Here are the major differences and why it's key ...

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BC Property Assessments: Here's what you need to know!

BC Property Assessments: HerePosted by Mariah Johnston on January 12, 2021
BC Property Assessments have all been sent out...did you get yours in the mail? Many people find it confusing as they see the property value listed but that doesn't always translate (actually almost n...

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Why are interest rates higher for Investment Properties?

Why are interest rates higher for Investment Properties? Posted by Mariah Johnston on January 5, 2021
Why are interest rates for mortgages significantly higher on an investment property? Alex and Derek, my mortgage partners from THRIVE mortgage co. Explain in this great video.    ps. Looki...

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Mortgage Update: Rental Income Sources?

Mortgage Update: Rental Income Sources? Posted by Mariah Johnston on December 16, 2020
Buying a new home is often used as an investment. You may be wondering what options are available to you when looking at rental income? Check out this video and if you have more questions reach out to...

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How to Save $500 a month!

How to Save $500 a month! Posted by Mariah Johnston on December 8, 2020
Do you want to know the one secret to how clients are saving on average $500 per month? Well, it's not really a secret. It's just a matter of renegotiating the terms of their existing mortgage. You se...

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What programs are available for First Time Home Buyers?

What programs are available for First Time Home Buyers? Posted by Mariah Johnston on December 2, 2020
Wondering what programs you can access as a First Time Home Buyer to help you with the purcahse of your home? There are a number of First Time Home Buyer programs available to you through the governme...

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Getting a Mortgage in November--What you need to know!

Getting a Mortgage in November--What you need to know! Posted by Mariah Johnston on November 25, 2020
An update from our friends at Thrive Mortgage Co on what it looks like to get a mortgage in November!       ...

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How much do I need for a Downpayment?

How much do I need for a Downpayment? Posted by Mariah Johnston on November 18, 2020
How much will you need for a downpayment? Let's break it down: 🟠 As a first time buyer the minimum required is 5% up until the first $500,000 🟠 After $500,000 you will pay 10% 🟠 After $...

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Mortgage Update | Commercial Real Estate 101

Mortgage Update | Commercial Real Estate 101Posted by Mariah Johnston on November 12, 2020
Commercial Real Estate and building a successful team: This is what you need to know about commercial real estate from Jamie Schreder! Enjoy and book mark this one!   ...

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How does a Variable Rate Mortgage Work?

How does a Variable Rate Mortgage Work? Posted by Mariah Johnston on November 4, 2020
A great job by Thrive Mortgage Company explaining just how a Variable Rate Mortgage works (something crucial to understanding as the mortgage rates continue to rise/fall) ...

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The Bank of Canada Announcement could change 2020 Real Estate

The Bank of Canada Announcement could change 2020 Real Estate Posted by Mariah Johnston on October 28, 2020
Big News coming From Bank of Canada this week! This is why I wanted to share our Mortgage Partner Thrive Mortgage Co's Breakdown of what this could mean   ...

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Guarantor vs. Co-Signor

Guarantor vs. Co-SignorPosted by Mariah Johnston on October 21, 2020
This week we talk about something that comes up in almost every situation we deal with which is co-signing vs. guarantors. These are two terms that often get confused. During this episode we break dow...

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Thinking about Real Estate Investing? You need to listen in!

Thinking about Real Estate Investing? You need to listen in! Posted by Mariah Johnston on October 14, 2020
A must listen!! Check out this podcast from Thrive Mortgage Co. If you have EVER thought about Real Estate Investing!    ...

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Will getting Pre-approved impact my credit score?

Will getting Pre-approved impact my credit score? Posted by Mariah Johnston on October 7, 2020
You may be wondering if doing a pre-approval hurts your credit score?🤔 For the most part, no, it doesn't negatively affect your credit. There are other aspects that might affect it such as 🟠 mis...

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How to Buy Your 2nd Home

How to Buy Your 2nd Home Posted by Mariah Johnston on September 30, 2020
Friends, you know that I am all about real estate investing and maximizing your real estate potential! So when I found this video from Thrive Mortgage Co. I had to share!    ...

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Evolving Expectations in Real Estate

Evolving Expectations in Real Estate Posted by Mariah Johnston on September 23, 2020
Thrive is back this week with an excellent podcast detailing how to handle an evolving and ever chaging real estate market (this one is a much watch!)    ...

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How to Relocate in Real Estate

How to Relocate in Real EstatePosted by Mariah Johnston on September 16, 2020
Today we talk about a hot topic, relocation. We talk investments, personal strategies, why you would want to relocate, and how to relocate so tune in and enjoy!   ps. Check it out--I am mention...

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Everything to do With Residential Lending

Everything to do With Residential Lending Posted by Mariah Johnston on September 9, 2020
The team at Thrive has done it again! Great podcast to listen into about income for residential lending. I've got this one bookmarked!       ...

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Can my first home purchase be an Investment Property?

Posted by Mariah Johnston on September 2, 2020
Can your first home be an investment property? The answer: YES!    ...

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Mortgage Minute: Offset vs. Adback

Mortgage Minute: Offset vs. Adback Posted by Mariah Johnston on August 25, 2020
Wondering what the difference is between an offset and an Adback? Check out this one minute video from my mortgage partner THRIVE to find out!       ...

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What does the Stress Test Change Mean for Me?

What does the Stress Test Change Mean for Me? Posted by Mariah Johnston on August 19, 2020
What does the new stress test rate drop mean for you? I grabbed a great video from my friends at Thrive Mortgage company to give you the scoop!    ...

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Is now the best time to refinance investment properties?

Is now the best time to refinance investment properties? Posted by Mariah Johnston on August 5, 2020
Another topic coming around lately is interest rates. When interest rates drop we get questions about refinancing and restructuring. This leads us to today's topic. We look at refinancing and restruct...

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What's Making Headlines in the Mortgage World?

WhatPosted by Mariah Johnston on July 28, 2020
  OK! So, you know things are MOVING, Rates are LOW and CMHC made a change...so what does it all mean??? watch the video ABOVE ☝️and head on over to THRIVE's website if you have any questi...

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Can I get a Mortgage with 5% Down?

Posted by Mariah Johnston on July 23, 2020
It's a question I get asked often as a realtor: Can I purchase a home with only 5% down? It's a simple question, but with all the stress-testing rules, mortgage changes and more it can be really confu...

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What's the best payment type for my mortgage?

WhatPosted by Mariah Johnston on July 7, 2020
Do you know about the different payment types? 🤔 There's bi-weekly, monthly, weekly, accelerated, or more... Which is best for you? Our mortgage partners at Thrive Mortgage company share with you t...

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Can You Buy a Property With Rental Income?

Posted by Mariah Johnston on July 2, 2020
Friends, I am a BIG fan of real estate investing and the freedom it can allow you! My friends at Thrive Mortgage Co. Put together a great video detailing how you can purchase a home using rental incom...

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How to get pre-approved for a mortgage

Posted by Mariah Johnston on June 24, 2020
Our mortgage partners from Thrive Mortgage Co. give you a detailed look at what you need to do to get a pre-approval secured (this is especially important right now with the CMHC changes coming into e...

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What do I do with my Property Taxes this year?

What do I do with my Property Taxes this year? Posted by Mariah Johnston on June 16, 2020
My Mortgage Partners from THRIVE MORTGAGE CO. Share some insightful advice on what you need to do with your property tax notice!       ...

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Mortgage Market Update for You!

Mortgage Market Update for You! Posted by Mariah Johnston on June 10, 2020
NEW FROM OUR MORTGAGE PARTNER THRIVE MORTGAGE COMPANY CMHC does it AGAIN!! Here is the latest news on what changes CMHC made this past week....     WHAT DO THESE CMHC CHANGES MEAN FO...

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Are you a First Time Home Buyer? You need to read this!

Are you a First Time Home Buyer? You need to read this! Posted by Mariah Johnston on June 4, 2020
WHAT INCENTIVES DO YOU GET AS A FIRST TIME HOME BUYER?  Are you a first-time homebuyer?? Then you need to watch this video!  Alex McFadyen from Thrive Mortgage Company explains some of the ...

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