Mandy Morton RBC Mortgage Specialist
2945 Jacklin Rd V8W 2C5 Victoria, BC, Canada

When seeking mortgage financing as a business owner, lenders are required to use a two year average of the income stated on the personal tax returns. This can... sometimes prove to be a challenge if the claimed income is significantly less than actual income earned for the year. Did you know that Sagen (formally Genworth Canada) has a program specifically meant for self-employed clients? This program essentially allows the lender to state our clients actual income often resulting in the ability to borrow more. Of course there are specific eligibility requirements that can be reviewed at sagen.com. I have used this program successfully a handful of times!! #mortgage #rbcmortgagespecialist #RBC #Sagen See more

We want to help make your new home buying experience special, and we’ve got special offers to thank you for working with us every step of the way. From great perks when you get pre-approved, access services that save time and money when your mortgage is approved PLUS up to $2500 in cash. For a limited time only. See here for more details. Start your journey now!

Happy International Women's Day. #TeamRBC is proud to support an ongoing commitment to women, diversity & inclusion. #SpeakUpForInclusion https://youtu.be/WZXQgvd6DPY

It's time to spring forward with daylight saving time! Don't forget to set your clocks ahead on Saturday night!

Seller's Market vs. Buyer's Market

March is Fraud Prevention Month - Learn more about how banks in Canada are protecting Canadians from fraud.

Will a capital-gains exemption be lost when selling a primary residence that has a rental unit? Here's an interesting article from Golden Girl Finance that could help - The Lowdown on Home Rental Suites and the CRA

REALTORS can benefit more from partnering with RBC. Sign up today.

The CMHC released its first-quarter 2020 Housing Market Assessment. According to the report Victoria is the only real estate market in the country still showing high vulnerability, but overall the risk of a housing crash in the country remains moderate. Here is the complete report https://www.cmhc-schl.gc.ca//evidence-overvaluation-remain

Exciting news: Keith Urban and The Chainsmokers will perform at the RBCxMusic Concert Series, June 12-13 at the 2020 RBC Canadian Open. www.rbccanadianopen.com/concerts

It's #RealtorAppreciationWeek! Here's a pat on the back for all realtors who helped Canadians switch from renting to owning.

No re-qualification required : If you're renewing an RBC Royal Bank mortgage, you don't have to re-qualify at renewal time. If your mortgage is held by another financial institution, we can make it easy to switch to RBC Royal Bank

Bank of Canada Formally Begins Hunt for the Next Rate Chief - Bloomberg

Living Large on a Budget: How to Maximize Your Money - RBC

Exploring the opportunities and challenges of cannabis legalization for real estate - interesting article from PwC

Making the most of your renewal

Get the vacation home you’ve always dreamed of!

10 Design Trends Coming to a Home Near You - great design tips from Houzz.

Find out what you can afford as a 1st time home buyer

Did you know that you can convert your variable rate mortgage to a fixed rate one at any time?

Create your own holiday fun with the family - here's 60 Christmas Crafts for Kids from HGTV

You’re Preapproved for a Mortgage Three Things to do Next

Your First Home May Not Be Your Forever Home

Closing costs aren't as scary as they seem.

Be kind to your home this year! Here are 20 Bad Homeowner Habits to Break in 2020 from Bob Villa.

Learn more about the Government of Canada’s new First-Time Home Buyer Incentive.

The 50th World Economic Forum presented the concept of trust as a definitive principle in uniting an increasingly divided world. #RBCThoughtLeadership

Benefits of Title Insurance

Pre-qualified versus pre-approved? Everything you need to know is right here.

Understanding the home buying process

Buying A Home From A Builder

How to plan for cottage succession - great advice from Advisor.ca.

Is your client acquiring a rental portfolio of one or more properties to build income and equity? Offering competitive rates and a range of terms, the RBC Investment Property Mortgage may be their ideal solution

Tax implications of buying real estate to sell for a profit - interesting article from CREA

Are you purchasing a property for your child to live in? With competitive rates and a range of terms, the RBC Investment Property Mortgage may be the ideal solution

Becoming your kid’s landlord could save thousands on the cost of university or college - great article from Moneysense

Moving on Up: Should You Buy or Sell First? - RBC Discover and Learn

Whether you are a business owner or are self-employed, we believe that financing your new home or leveraging the equity in your existing home should be easy. More information on the RBC Self Employed Mortgage available here.

How prepared are you for closing day?

Enjoy the benefits of the Home by RBC

April 7 is National No Housework day. Read a good book, catch up with friends, or do anything else you enjoy.

Ready to make the most of free trade agreements? Learn how to expand into emerging markets in this webinar with RBC & EDC!

Whether you’re buying your first home, your next home, or if you already have a mortgage and are considering a switch, we have offers that will make the journey a little easier and more rewarding.

Spring Maintenance Ideas for Your Home - CMHC

Budget 2019: Higher RRSP home buyer withdrawal limits, but no help on housing supply - budget highlights from MoneySense.

Protect Yourself from Mortgage Fraud - good advice from the CMHC.

Five Home Improvements That Will Increase Your Home’s Value the Most

Social Engineering Are you Cyber Savvy? https://discover.rbcroyalbank.com/social-engineering-are-y/

Starting a Business is challenging, no doubt. Read on to hear how successful Indigenous Entrepreneur Krystal Dumais-Ziprick did it.

Tips from Bryan and Sarah Baeumler: Top Five Things to Consider When Buying Your First Home

Did you sell last year? Here's a great article from the Financial Post - What you need to know about claiming the principal residence exemption on the sale of property

Homebuyer New Year’s Resolution Know what mortgage is right for you try our self assessment

Getting into shape this year? Here's a great article from the Washington Post - Fitness experts see wearable technology, group fitness and HIIT leading 2019 trends.

Navigating 2019 - 9 big insights for the year ahead. Research from RBC Economics.

Santa Claus is coming to town! Track his progress with NORADs’ Santa Tracker! http://www.noradsanta.org/

Here are some great ideas to help survive the holidays - Top 10 Sanity-Saving Holiday Hacks

It's that time of year again! Here are 40 Christmas Decorating Ideas That Will Bring Joy To Your Home

Why does Santa wear red and why do we kiss under mistletoe? 8 Christmas mysteries unwrapped by the Telegraph

Here's some essential home maintenance activities to get your house ready for the cold months to come.