Janelle Lesage

Uncertain times spark a lot of questions... good read and perspective - may the housing market remain strong!

Paying taxes on the sale of secondary homes - principal residence exemption can be used to shelter the capital gain on a cottage property

Parents are the number one influence on their childrens financial behaviors, so its up to us to raise a generation of mindful consumers, investors, savers, and givers,

Rate me keep coming down!! Reach out for details if youre looking to Purchase or Switch and come see for yourself the Conexus Credit Union difference!!

Mortgages and Credit Reports What is a credit bureau?, a credit score?, do they actually need to look at my credit report? Why is it important? Your Credit Report is an integral piece in your mortgage approval and essential part of your financial outlook! A credit report is a written history of your past and present credit use. It describes to lenders how you manage your debt such as credit cards, car loans, lines of credit, student loans etc It is used by creditors an...d lenders to establish your credit worthiness and help assess your risk as a borrower. They will look at your current situation, and how responsible you have been with credit in the past, and this will allow the creditor to set the terms for your new credit. https://loanscanada.ca//minimum-credit-score-required-for/

They keep dropping!!!

Rates are at an all time low!! Theres no time like the present to make the move and accomplish your goals! 2.07% - 5yr fixed on Purchases and Switches. *Some Conditions May Apply*

Great News This opens the door(literally to your own home) for homebuyers to be able to access more mortgage! https://www.canadianmortgagetrends.com//stress-test-rate-/

Mortgages Debt~how does it all work? GOOD DEBT vs BAD DEBT Whats the difference? How does it impact your ability to get a mortgage and your financial well being? Qualifying, behind the scenes and rules, what do lenders take a look at? These are a mystery for many. I strive to help my clients feel educated and empowered in the process. Ill be posting information related to mortgage qualifications and how you can take back control of your choices with your finances, impacts to your financial well being and your financial goals! You are the boss of your money, your money isnt the boss of you.

Things have changed but every step of the way we are with you

Rates are at an all time low

This is great news

Great news to help ensure Canadians can accomplish their homeownership Dreams GREAT way to start the week after being rocked by some unsettling news last week!

The Mortgage Stress Test has been reduced! GREAT NEWS What this means for buyersthat much easier to qualify for your dream home! What this means for sellers that much easier for a buyer to qualify to buy your house!!

Buying a home is a BIG decision, One of the most important investments decisions most of us will ever make Its no secret that a lot has changed... so this could mean that your decision to buy or not to buy a home might be weighing heavily on your mind. Please make sure you know you can reach out and ask those questions. We can connect through Zoom, WhatsApp, Skype, phone appointments, text or email

Worried about payments?! Have a student loan? As of March 30th Fed announces no student loan with NSLSC until Sept 30, 2020.

We are all in this together. Worried about how youll make your mortgage and loan payments? Conexus is here for you

Nobody should have to worry about their mortgage because of financial impacts of COVID-19. Please contact your mortgage professional if you need advice on mortgage payment difficulties. Find out more: http://ow.ly/1YM050yLL2P

Please have a read.... Great News for Canadians, they discuss mortgages/groceries, etc all things all of us have on our minds!

SPRING HAS SPRUNG The Federal Government must be feeling that Spring Fever! They have decreased Prime from 3.95% to 3.45%... so for anyone with a FLOATING RATE LOAN OR LINE OF CREDIT this means you are now able to keep some more money in your pocket!!!! Paying less interest and paying down that debt faster! HOMEBUYERS, HOMEOWNERS AND PROPERTY INVESTORS ****Mortgage Rates have decreased***** so pick up the phone and call up your realtors! ... Some more great news! Changes to the stress test!!! Another little treat from the Feds! APRIL 6th the stress test rate(currently at 5.19%) will be seeing some restructure with a very likely potential for decrease!

~~~~~ FAMILY~~~~~ Ive been quiet the last few months as my partner and I welcome a new addition to our family in October 2019. 4 became 5 We were blessed with a beautiful little girl! I hope to be back to helping all my wonderful clients achieve their dreams goals of homeownership in full force very soon!

Young adults are increasingly using debt to cover their cost of living. On top of auto loans and student loans, they are borrowing for things like paying off other debts or going on trips, said Matt Fabian, Director of Research and Industry Analysis at TransUnion Canada.

Between August 1 November 30, 2019 SaskEnergy will be offering the Residential Furnace Replacement Program through participating SaskEnergy Network Members. Rebate of up to $650 on new furnaces... read the link for more information.

LAY OFF Insurance available.... Please share... good information for anyone to know! Lay off Insurance available! In light of the recent lay off announcement by Mosaic, I thought I would take this opportunity to spread the message that Conexus Credit Union offers lay off insurance on any mortgage, loan or line of credit that is with us. For anyone in an industry where layoffs are common, this offers peace of mind. Your payments are made for a maximum of 9months per lay off period, and you can be laid off more than once. This insurance must be purchased prior to having been laid off and you must have a lay-off notice to qualify. You can also be on EI while receiving this lay insurance. If you have any questions please reach out.

~NEW~ Canadian First Time HomeBuyers Incentive Effective September 2, 2019 eligible first time homebuyers can apply so long as they are taking possession of their new home November 1, 2019 or after - this is a shared equity program where the Canadian Federal Government is offering new homebuyers(please click the article for the definition of a first time homebuyer)an additional 5%-10% towards their down payment. These funds will greatly help in reducing your mortgage payment. These funds must be paid back to the Canadian Federal Government either upon sale of the home or whenever the mortgage is paid off.