John A. Ferguson
123 Chain Lake Drive B3S 1B3 Halifax, NS, Canada

Grab your drink of choice and tune into Jon Cyr - Music tonight at 8PM for some great entertainment.

Are you being financially affected by the virus? I'm happy to announce the banks have stepped up to help! Most lenders are offering skip a payment or deferral options. Please contact your existing lender to ask about skip a payment options - under the privacy act they can only speak with borrowers directly. Home Trust 1-855-270-3630... MCAP 1-800-265-2624 Manulife 1-877-765-2265 Merix 1-877-637-4911 Marathon 1-855-503-6060 TD Bank 1-888-720-0075 RMG 1-866-809-5800 Scotia Bank 1-800-472-6842 B2B 1-800-263-8349 BMO 1-877-895-3278 CMLS 1-888-995-2657 CIBC 1-800-465-2422 Optimum 1-866-441-3775 Equitable bank 1-888-334-3313 First National 1-888-488-0794 RBC 1-866-809-5800 HSBC 1-888-310-4722. Remember, I am still open for business and here to assist you remotely. If you have any questions don't hesitate to reach out!

To buy or not to buy. It’s a question many people struggle with. And, it’s important to know if you truly want to own a home before you’re firmly entrenched in the homebuying process. To help you decide, here are some things to consider! https://1l.ink/8HSB3TB

You are reaping the benefits of leverage with your current home right now, and nothing is stopping you from doing it again. Rental properties can be a fantastic addition to any investment portfolio and are the start to true investment diversification. Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3917

Don’t be afraid; renewal is the perfect time to roll up your sleeves or hire a contractor to get some work done. but Your mortgage can carry the cost of the renovations at the lowest possible interest rate! Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3917

Your getting closer to paying off your mortgage. With the utmost sincerity, way to go! Now, let’s get down to business, or should I say let’s get this mortgage down to zero! Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3917

Canadian financial institutions have better protections against fraud than other services like Apple Cash, Venmo or any digital currency. Although these new services are getting better, in many ways, it feels like the "wild wild west" out there when it comes to sending money digitally. Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3913

TIP #1 while applying for a mortgage: Don't get or apply for any new create while buying a home! If you are thinking about buying a car or applying for a new credit card, wait until you have moved in! ... New credit applications and new loans with new payments can have a severe impact on your application, and can turn an approved mortgage to a declined mortgage! Finalise your home purchase; then you can start looking for a new car! Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3903

Ok, you're buying your NEW HOME, you have applied for a mortgage, and you have been pre-approved! Great, your home free, nothing can go wrong now, right? Well not exactly, read my new article the Top 10 Do's and Don'ts while applying for a mortgage!... Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3903

Decades of under-investment made dedicated rental buildings an afterthought for many, but the industry has been quietly gathering momentum and attracting deep-pocketed investors. Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3881

Dream kitchens and luxurious bathrooms are often the go-to renovations for homeowners looking for the best return on investment, but experts suggest the biggest bang for their buck might be as simple as replacing a garage door. Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3868

Don't get overwhelmed while trying to save for a down payment for your first home! Homeownership is worth the effort! Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3873

Anything from minimum wage to $20 an hour seems to be the range, how much do you pay your babysitter? Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3865

Small increases to your mortgage payment can create considerable savings in interest and help pay off your mortgage years faster! Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3847

What is MORTGAGE PAYMENT SHOCK? Payment Shock is a nasty surprise that many people are not prepared for, simply because no one is telling them about it. Payment Shock occurs when your current low rate mortgage renews with a higher rate, essentially increasing your current payment overnight.... Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3847

Happy Thanksgivings weekend!!

Finding the perfect home can be hard, but finding the right home and then renovating to make it perfect is usually way easier. Most home purchase transactions only give you 3-4 days to get your mortgage financing in place, and this is not enough time to arrange/plan a renovation with an unprepared team. Being pre-approved early gives you the time to prepare your team to be ready to jump into action when you find your "soon to be perfect" home.... Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=965

Whether you own your home or are renting, trying to split expenses fairly can be next to impossible. There are some excellent tips in this article, but what are your suggestions to help smooth out roommate issues? Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3655

If the bank tells you that the home you want to buy doesn't pass the new mortgage stress test, there are still things you may want to try. Contact me directly, and I can help you explore these options and keep you on the path towards homeownership. Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=1176

Realtors join the fight for change to Federal Mortgage Rules. What is your opinion, do rules need to be loosened to make it easier for Canadians to buy a home, or do as Canadians need to work harder to meet the higher standards of the current requirements? Does big brother know what's best for us?... Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3613

We are starting to see the signs that government policies are beginning to have there desired effect. But was the result worth the struggle as we still have a long way to go? Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=JohnFerguson&l=3615