Mick Hayward Mortgage Specialist
106 - 3212 Jacklin Road V9B 0J5 Victoria, BC, Canada

https://www.livabl.com//first-time-homebuyers-guide-canadi

https://www.theglobeandmail.com//article-bank-of-canada-m/

https://business.financialpost.com//canadians-should-get-u

Check out my new mortgage app!!!! Very easy to use to accurately calculate monthly mortgage payments, maximum borrowing amounts, amortization schedules, closing costs and much much more!! https://mccapp.ca/app/mick-hayward

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https://www.canadianmortgagetrends.com//aware-mortgage-pe/

http://business.financialpost.com//canadas-banking-watchdo

http://www.mortgagebrokernews.ca//boc-interest-rate-reveal

Variable rate mortgages are becoming more popular since the recent stress test changes. Is a variable rate mortgage the better product for you? message me for further details. http://www.mortgagebrokernews.ca//variablerate-mortgages-b

VERY IMPORTANT INFORMATION REGARDING THE NEW MORTGAGE QUALIFYING RULES.. PLEASE SHARE!!!! Federal Government Mortgage Rules Changes Announced October 3, 2016 Yesterday, the Federal Government announced several new mortgage rules changes which will come into effect on October 17th,and November 30th, 2016. The new rules affect CMHC insured and Low Ratio Bulk Insured Mortgages. At this time CMBA ...Continue reading

http://business.financialpost.com//canadians-now-pay-more-

http://m.mortgagebrokernews.ca//jobs-data-comes-in-206992.

https://www.facebook.com/mortgagecentrecanada/posts/948659605249823

Struggling to save your down payment? Here are a few tips that may help you get into your dream home a little faster.. Instead of forking over your hard-earned dollars every payday to your landlord, dream of how nice it would be to put it down against a mortgage on your own home. Saving up the necessary 5% down payment to purchase a place on top of your rent and expenses in a city such as ours may seem daunting, but it is possible if you look for a home that won’t leave you h...Continue reading

http://news.caamp.org//l-dyn-contact-0001:50c8/f/archiveMsg

Great job by MBABC for our new TV advertisement.. http://youtu.be/7RLuLudnIJc

A very funny video to show the importance of speaking to an independent mortgage specialist before speaking with your bank https://vimeo.com/121863800

I'm constantly faced with clients that are stuck in the "rental rut" as they all seem to have the same problem.... Where do they find the 5% down payment needed to buy their home? There are a few creative ways to obtain the down payment without the difficulty of traditional saving. Flex Down This is a two-step process where we are allowed to borrow our client’s down payment from an unsecured lending source. We proceed with a 95% mortgage and then often 5% down payment from ...an unsecured line of credit with interest only payments. The advantage is we are able to offer all best rates and terms including fixed and variable mortgages. Additionally the cost for early mortgage payout is the same as a regular 5% down mortgage. Gifted Down Lenders will allow the down payment to come from immediate family members (parents, grandparents or siblings) in the form of a gift. Parents or grandparents will often help a child or grandchild with their first home purchase without any expectation of repayment. The family member must fill out and sign a gift letter confirming that the funds are indeed gifted. If the money came from anyone else (ie: friend or co-worker), it would be treated as a loan since non-family members usually expect to be repaid at some point in the future. Feel free to call or message me for further details

Have you been thinking about home improvements lately? Or maybe you want to consolidate some of that high interest credit card debt.... With rates still as low as 2.84% for a 5 year fixed term and 2.20% for a variable rate, you could potentially save thousands of dollars in interest. Please feel free to message or call me for further details.

http://www.nytimes.com//2/upshot/buy-rent-calculator.html