Julie Neiser- Mortgage Professional
226A Manitoba Ave R1A 0Y5 Selkirk, MB, Canada

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Great news for those that have variable rate mortgage and Line of credit...Prime is down to 2.45%

I’m proud to receive a gold award for 2019. And that is thanks to my amazing clients, referral partners, friends and family. Thank you all for your trust, support and loyalty!!!

5 Top Reasons to use a Mortgage Broker

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How to build a credit score that gets you a great mortgage rate

Very useful information for all my real estate clients.

The First-Time Home Buyer Incentive (by CMHC) officially launched on September 2nd. Here are some things you need to know: -The program launched September 2nd , 2019 -Possession date shall be after November 1st, 2019... -Program runs for 3 years -At least one borrower must be a first-time homebuyer -Canada Mortgage and Housing Corporation (CMHC) provides 5% of your down payment for the purchase of existing homes, or 10% for a new build (You still need to have the minimum down payment of 5%) -Your maximum qualifying income is no more than $120,000 -The Incentive is repayable after 25 years or when the property is sold (whichever comes first) -Repayment amount equals 5% (or 10% if the home was a new build) of the sale price For more information, call me at 204-979-8700

The Bank of Canada 5-year Benchmark Qualifying Rate has fallen from 5.34% to 5.19%. It’s the first change since May 9, 2018 and it’s the first decrease since Se...pt. 7, 2016. Why does this matter? The benchmark rate is what federally regulated lenders use to calculate borrowers’ theoretical mortgage payments. This is also the rate used for the Mortgage Stress Test. Call us with your questions - 204-954-7620.

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To succeed in business today, you need to be flexible and have good planning and organizational skills. Many people start a business thinking that they'll turn on their computers or open their doors and start making money, only to find that making money in a business is much more difficult than they thought. You can avoid this in your business ventures by taking your time and planning out all the necessary steps you need to achieve success. Check out this article by Investopedia on how to grow a successful business...

3 Smart Ways to Use a Home Equity Line of Credit: For homeowners across the globe, home equity lines of credit (HELOCs) have become a handy way of tapping into the value of their homes. However, when borrowing money against your home, it is always a good idea to be a little cautious about what you spend it on. As such, it usually isn't a good idea to use a HELOC to pay for a vacation or buy a new TV. So then, what should homeowners use HELOCs for?... Home Improvements Using a HELOC to make improvements to your home can be a great way to increase the property's value. Whether you want to install a pool, renovate the kitchen, or add a bathroom, tapping into your home's equity is an easy and efficient way to finance the project. In some cases, you might even find that you have more equity in your home after the project has been completed than you did before you used your HELOC. Refinancing Debt If you have a large amount of high-interest debt, using a HELOC can be a great way of enjoying a lower interest rate. Many forms of debt, such as personal loans and credit card debt, are unsecured. As such, they can come with interest rates as high as 20%. However, since your HELOC is secured by your house, you are likely to be able to receive a much lower interest rate. Depending on your circumstances, refinancing high-interest loans into a HELOC can potentially save you thousands of dollars. Paying for Education If you are planning on sending your child off to college soon, or are even thinking about going back yourself, a HELOC might just be a viable way to pay for the tuition costs. Since HELOC interest rates are usually fairly low, they can sometimes compare favorably to traditional college loans. Of course, it is a good idea to closely compare your options before committing to either one. In Conclusion Though HELOCs can be an excellent way to access the equity in your home, it is always important to be careful about how you spend your money. By choosing to use your HELOC for one of the uses outlined in this article, you can ensure that your home's equity is being well spent. Feel free to contact me if you have any questions about using a home equity line of credit. Julie Neiser - 204 979 8700

According to this report, Canada's most affordable cities for first-time buyers include Regina, Saskatoon, and Winnipeg!

Interesting read... "In some cases, Apple forced companies to remove features that allowed parents to control their children’s devices or that blocked children’s access to certain apps and adult content." Check out this article to learn more...

Hey guys, check out the 2019 Winnipeg Folk Fest lineup! Tickets on sale NOW at the Winnipeg Folk Festival office (203-211 Bannatyne Avenue) and through Front Gate Tickets here: winnipegfolkfestival.frontgatetickets.com/

Congratulations! You’ve gotten your mortgage approved. However, your mortgage is not guaranteed until you meet all its conditions, nor is it guaranteed until it is registered by your solicitor. Many things can happen while waiting for completion and registration date. Some of them can put your approved mortgage at risk. The following is a list I use to guide my clients after the get approved. Avoid Changing Jobs: Your approved mortgage relies on you having a stable, full-time...Continue reading

A group of Winnipeg doctors has opened a new clinic that aims to change the way urgent care is delivered in the city. Check out this article for more details...