Judy Garel Mortgages

And buyers are to be cautioned that mortgages are based on appraised value NOT purchase price. That means the buyer must cover with extra down payment the amount by which the purchase price exceeds the appraised value.

Two aromatic African dishes I demonstrated on my zoom for the seniors at #guelphwellingtonimmigrantservices today. Taking it #mealsonwheels style to my senior mother and aunt this evening! #guelph #guelphfoodies

This quiet rainy day in #Guelph seemed made for a long walk with a good audio book. #weekendvibe #10kstepsaday

Capturing some early Saturday morning magic #earlytorise #guelphlife My first instalment of my #10kstepsaday #guelph

From both a rate perspective and a regulatory perspective, fast action on the part of home buyers would be prudent! https://www.ratespy.com/new-uninsured-mortgage-stress-test-

Brrrrr! It’s a London Fog tea kind of day! #teatime #coldweatherfood #Guelph #guelphfoodies

Is that tired kitchen in need of an update? What about that bathroom project that's been on your list for years? I can show you how to turn your equity into new floors and fresh paint! #Guelph #Guelphrealestate #mortgagetips

A small business with a big

Great guidance for optimal portfolio management here - THE GUIDE ON TAX EFFICIENT INVESTING IN CANADA https://www.genymoney.ca/the-guide-on-tax-efficient-invest/ #taxplanning #Guelphrealestate #moneysense #bestlife

A little walking meditation to start my day. #Guelph

#perception and #attitude win the day every day!