Nicole Daley Mortgages
59 John Street South L8N 2B9 Hamilton, ON, Canada

New changes coming to mortgages on June 1st. What does that mean for your new purchase or refinance? Just ask. There are multiple factors besides rate when finding your ideal mortgage.

We are doing a ton of refinances right now. If you or anyone you know needs help or has questions about refinancing their mortgages, rates are great, we may be able to save you money, time and cash flow. Call me Nicole... 905-512-6818 See more

So you've accumulated a lot of unsecured debt on credit cards and lines of credit, now what? Let's talk and try to find the right solution for you!

City streets at dusk. As the sunsets on another workweek in Hamilton we're asking you to submit what you love most about the city; your favourite memories and w...hat you are most looking forward to. Milee Singh loves "Exploring, discovering and capturing Hamilton." What about you? Submit your stories and photos at https://tourismhamilton.com/hamontlove for a chance to be featured. See more

Though the holiday season is upon us, these are anxious times for many out there. If you need help reviewing your mortgage and overall financial situation we are here to help. Wishing you a safe, healthy and happy holiday! https://montrealgazette.com//this-might-be-the-season-to-r

https://renx.ca/canadas-economy-ready-to-take-off-like-a-/

Here are some interesting predictions for things to come in our 2021 real estate market. https://torontostoreys.com/mortgage-housing-predictions-2/

Let’s help our local Hamilton Small businesses out by shopping local this holiday season. #hamazon

Wow look at this cool listing!

Not surprising but interesting to understand what is driving the current market.

New French crepe restaurant in Hamilton!

Cool new bridal shop in downtown Hamilton!

We get asked about whether clients should break their current mortgage a lot. It comes down to runnning the numbers through different scenarios and checking breakage penalties. It does often make sense if you have room in your home equity and are carrying unsecured debt and can be a great way to recover cash flow in your budget. Have mortgage questions- give me a call 905-512-6818

This article is from September 7th, Bank of Canada held the rate steady as they intended to from June announcement. Also listening to Premier Ford today, discussing the not unexpected uptick in Covid cases since kids have returned to school.... Lots going on out there, stay safe, stay informed and let me know if you need any financial advice on #homefinancing, #debtrestructuring... https://www.theglobeandmail.com//article-five-things-to-/

The Hamilton condo boom has arrived.

It looks like the period of Covid Mortgage Deferrals is coming to an end. Do you need to look at re-structuring or refinancing your mortgage? Give us a call. https://financialpost.com//mortgage-insurers-cool-to-exten

Hey Real Estate Industry friends This video is 20 minutes long. Dustan Woodhouse is a leader in our industry and his take on Evan Siddal’s ( Head of CMHC) letter to the heads of lenders in Canada is spot on. https://www.facebook.com/dustan.woodhouse/videos/10158851330994479/

Effective this week, it gets a little easier to buy a house or refinance. On Saturday, BMO and CIBC shaved 15 basis points off their posted 5-year fixed rates. That’s enough to drop the benchmark 5-year posted rate to 4.79%. Time to refinance- give us a call 905-512-6818.

Refinancing your mortgage can SAVE you money. Reasons to ask me about this today: 1. Get a lower interest rate. 2. To pay off high interest debt. 3. Shorten t...he years you have left to pay off your home. 4. Lower monthly mortgage payments. 5. To renovate/ fix up your home. 6. Take out equity to invest! If you have less than 2 yrs left on your mortgage term, contact us today to see if a refinance or mortgage renewal will SAVE you money

CBC personality Rick Mercer celebrates Canadians’ love of travel with a rant calling on us to explore our own backyards this summer. Whether it’s visiting a nei...ghbouring town or province or journeying two hours from home, Rick invites us to explore our country this year. Discover how nice Canada is by travelling locally: https://ca-na-da.com/2WLBmre

Hamilton, Burlington and Oakville are among the Most Liveable places in Canada according to this report. We love where we live -are you looking for a change of address, to expand your horizons, or to get more value for your hard earned dollars? Let’s get started: [email protected] ... https://blog.remax.ca/canada-liveability-report/

Welcome to Hamilton, where $1 million dollars buys you a pretty decent piece of property with a pretty decent home on it- compare to this below in downtown Toronto for $999,999.00 If you are considering your options for primary residential or investment purposes- please give me a call for a pre-approval. ... https://www.realtor.ca//300-euclid-ave-toronto-palmerston-

https://www.moving.com//how-to-get-your-house-ready-to-se/

Quote: be confident interest rates will be low for a long time: end quote unusual uncertainty = unusually clear about the future path of interest rates ... says the BoC,see below . . #mortgagerates #canadianmortgagetrends #homeowner #bankofcanada #newsrelease Posted @withregram @mortgageproscan Very interesting and incredibly strong message from Tiff Macklem, Governor of the Bank of Canada this morning: Our message to Canadians is that interest rates are very low, and they are going to be there for a long time. We recognize that Canadians, Canadian businesses are facing an unusual amount of uncertainty, and so we have been unusually clear about the future path for interest rates: If you’ve got a mortgage or if you are considering to make a major purchase [] you can be confident that interest rates will be low for a long time. This precise and unambiguous messaging from the Governor is good to see. An excerpt of his press conference can be found attached below (Originally posted on the @BNNBloomberg twitter account: https://bit.ly/3gZPK6P) CMHC's messaging about the dangers of increased indebtedness appear to be completely contradictory to the BoC Governor seemingly encouraging additional confidence in the cost and availability of credit. Perhaps it is time to implement the uncoupling of the bank's 5 year rate from the stress test, as was initially announced (then subsequently indefinitely postponed) for April 6. - Paul Taylor, President and CEO of @MortgageProsCan Video via @bnnbloomberg Twitter --------------------------------------------------------------- Find your local mortgage broker to help you secure your mortgage today: http://findmeabroker.ca #mortgagebrokers #mortgages #canadianeconomy #canadianhousing #mortgagelender #mortgagerates #mortgagehousing #canada #bankofcanada

No change- Bank of Canada holds rate steady until 2023 possibly, as we enter a phase of management and recovery.

This looks interesting!

Look at this great news!

Gonna be a challenging day. Lets do this

https://www.instagram.com/p/CB6BDymHawS/?igshid=urzay2frxino

https://www.thestar.com//multi-generational-housing-is-a-g

Nicole Drown Daley is here with todays Monday Mailbag! She answers the question, what is the emergency benefit? Stay safe everyone!

https://www.canadianmortgagetrends.com//genworth-and-cana/#

There is lots of Hog Weed along the Escarpment trails and waterfalls in Hamilton and Burlington. So please use caution. https://ca.news.yahoo.com/plant-causes-3rd-degree-burns-112

https://www.msn.com//7-mistakes-you-shouldnt-/ss-BB154lbY

So in the face of last weeks concerns around changes to CMHC policies, Genworth ( one of two other insurers in Canada) says they will not be following suit . http://investor.genworthmicanada.ca//Genworth/default.aspx

Effective July 1st new high ratio mortgage insurance qualifying debt service ratio ( GDS and TDS) guidelines will be 35/42% down from the current 39/45%. Quite frankly, it’s always something. No time to panic. Just to be aware. ... If you have mortgage questions I have answers. Give me a call. https://www.cmhc-schl.gc.ca//cmhc-reviews-underwriting-cri

https://www.cbc.ca//ham/real-estate-hamilton-may-1.5594607

Are you familiar with all of these buildings? https://tourismhamilton.com/hamilton-architecture-crawl

https://www-livabl-com.cdn.ampproject.org//ontario-bo/amp/

Bank of Canada says that the CMHC outlook is too gloomy for the situation and unlikely to occur.

If you are lacking in outdoor space, a great solution for a flower or veggie garden is creating your own container garden for your balcony or patio area. Here are some great tips to get you started https://rem.ax/2yVO1PA

Looks like the stress test for mortgage qualifying is being lowered by about 5bps. This makes a difference of about $2000 more to what buyers can qualify for... https://www.canadianmortgagetrends.com//latest-in-mortgag/

Interesting read on buying in this market. https://blog.remax.ca/is-it-a-good-time-to-buy-a-house-for/

https://www.linkedin.com//city-life-may-be-losing-its-shin

https://toronto.ctvnews.ca//ontario-announces-new-list-of-

Interesting article on what causes Ontario home prices to increase. Getting ready to shop? Give me a call first so we can go over your individual situation. https://blog.remax.ca/what-causes-ontario-real-estate-pric/

We are getting down to pre- Covid rates now. If you have been thinking about getting into the market let’s get you pre- approved. Then We have real estate agents, appraisers, lawyers all ready to do business safely with you!We are getting down to pre- Covid rates now. If you have been thinking about getting into the market let’s get you pre- approved. Then We have real estate agents, appraisers, lawyers all ready to do business safely with you!

Growing urban orchards. Such a great idea!

While you're outside enjoying the , follow these tips to get a head start on your yard...a beautiful lawn doesn't happen by itself! @remax #cindymwhomes #re...maxescarpment #remax #remaxcanada #realtor #realestate #realestateagent #buy #sell #forsale #hamilton #hamiltonrealtor #ancaster #ancasterrealtor #stoneycreek #dundas #hamont #spring #lawncare See more

https://www.instagram.com/p/B_NntTkHZYc/?igshid=o8pb2e0sw2xh

How small businesses can apply for wage subsidy..

For those of you taking advantage of the CERB currently...

Happy Easter 2020 folks!

Anyone out there looking for ideas on how to work from home more effectively?

https://www.canadianmortgagetrends.com//the-latest-covid-/

Canada Emergency Benefits became available for application today. They are splitting applicants into birth months to try to ease the strain on the system. Please see below for details. I am open for business and here to help 905-512-6818.

Sobering projection figures out of Ontario today folks. Let’s all do our part to keep them down. Keep staying home! Keep washing your hands! Keep up the social distancing!Sobering projection figures out of Ontario today folks. Let’s all do our part to keep them down. Keep staying home! Keep washing your hands! Keep up the social distancing!

Bank of Canada just dropped another 50bps on the overnight rate making it 0.25 It is unclear whether this will translate into Bank prime rates of 2.45% which would directly affect variable rate mortgages-fixed rates not so much. Stay tuned next week to hear about further mortgage market developments.

Updated Deferred Mortgage Payment Contact List Alterna Credit Union 1-877-560-0100 More Info Click Here ATB 1-800-332-8383 More Info Click Here B2B 1-800-263-8349 More Info Click Here... BMO 1-877-788-1923 More Info Click Here Bridgewater Bank 1-866-243-4301 More Info Click Here Chinook Financial 403-934-3358 More Info Click Here CIBC 1-800-465-2422 More Info Click Here CMLS 1-888-995-2657 More Info Click Here Community Trust 1-800-268-1576 More Info Click Here Connect First 403-736-4000 More Info Click Here Desjardins Credit Union 1-855-688-2433 More Info Click Here Duca Credit Union 1-866-900-3822 More Info Click Here Equitable Bank 1-888-334-3313 More Info Click Here First Calgary Financial 403-736-4000 More Info Click Here First National Financial 1-888-488-3313 More Info Click Here First Ontario Credit Union 1-800-616-8878 More Info Click Here Haventree 1-855-272-0051 More Info Click Here Home Trust 1-855-270-3630 More Info Click Here HSBC 1-888-310-4722 More Info Click Here IC Savings 416-253-4007 More Info Click Here ICICI 1-888-424-2422 More Info Click Here Manulife 1-877-765-2265 More Info Click Here MCAP 1-800-265-2624 More Info Click Here Meridian Credit Union 1-866-592-2226 More Info Click Here Merix/Lendwise 1-877-637-7881 More Info Click Here Marathon 1-855-503-6060 More Info Click Here National Bank 1-877-281-0144 More Info Click Here Optimum 1-866-809-5800 More Info Click Here RBC 1-866-809-5800 More Info Click Here RFA/Street Capital Mortgage begins with 4 1-866-939-5005 More Info Click Here RFA/Street Capital Mortgage begins with 6 1-877-776-6888 More Info Click Here RFA/Street Capital Mortgage begins with 7, 8 or 9 1-833-228-5697 More Info Click Here RMG 1-866-809-5800 More Info Click Here Scotiabank 1-800-472-6842 More Info Click Here Servus 1-877-378-8728 TD 1-888-720-007 Verico Lifecycle 1-855-805-7107 XMC 1-877-775-2970 See more

https://www.ckbw.ca//need-help-heres-how-to-apply-for-ei-/

https://toronto.citynews.ca//coronavirus-province-release/

This is so true right now!!

A local restaurant trying to make the most of a painful time. #pubfiction Ancaster

How to get further EI help if you are affected by lay offs, work shortage, please read below

Please read for contact number for Covid-19 related EI help

If you are looking to defer payments please see lenders phone numbers below. Have your mortgage account number available when you call.

https://toronto.ctvnews.ca//ontario-freezes-evictions-temp

https://trib.al/BNX2GNT Here is the financial relief announcement we were looking for from the Big Six.... next should be rent relief as well.

CMHC stepping up to help in these tenuous times.

https://business.financialpost.com//cp-newsalert-bank-of-c

Feeling Hot hot hot!!