Less risk to invest in Canadian farms than US Ag land, but get the right mortgage

Published on Fri, 19 Jan 2018 18:54:10 +0000

Canadian farmers have an advantage over their US counterparts when it comes to the amount of risk of land investment. Although both Canadian and US agricultural land is at a historic high, Canadian growers are less leveraged to corn and soybean prices than American growers. Canadian growers also enjoy less competition when it comes to […]

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Canadian farmland often outperforms Canadian stocks and bonds

Published on Fri, 19 Jan 2018 18:26:01 +0000

Although long considered a “low risk, low return” asset, Canadian farmland is high demand today…and for good reason. Often, investment in farmland outperforms Canadian stock and bond indices. From 2012 to 2014, Ontario farmland increased in value by an average of 19.2%, according to Farm Credit Canada. In contrast, for that same period, S&P/TSX Composite […]

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Bank of Canada maintains overnight rate target at 1/2 per cent

Published on Fri, 20 Jan 2017 14:44:18 +0000

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Uncertainty about the global outlook is undiminished, particularly with respect to policies in the United States. The Bank has […]

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8 Things to Be Aware of When Buying a Second Home

Published on Mon, 16 Jun 2014 19:58:26 +0000

You can afford a second home, let us show you how! Now that low interest Canadian mortgage rates are readily available, it seems like the perfect time to invest in a second home. Here’s what you should know before purchasing a second property. Things to Learn About Before Buying a Second Home 1) Do your […]

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A Few Things to Ask Your Mortgage Broker

Published on Mon, 16 Jun 2014 19:37:52 +0000

There are no silly questions. Listed below are a variety of questions to think about when speaking to your mortgage broker: How long have you been working in the mortgage industry? Years of experience is essential when it pertains to taking care of challenging mortgages. What type of education or licensing do you have? You […]

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Additional Costs of Buying a Home

Published on Mon, 16 Jun 2014 19:28:51 +0000

Plan for these unanticipated costs when creating your budget. A number of first time homebuyers are often shocked when they see the total cost of their home purchase, including the additional expenses, on closing day. Here’s a list of a few of the “hidden” expenditures you should expect to pay. Land Survey Despite the fact […]

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Bank Or Broker?

Published on Mon, 16 Jun 2014 19:07:56 +0000

Who should you consult for your mortgage pre-approval? Handle your mortgage like every other major purchase– that is, be sure you make the effort to compare rates and shop around. Not every Canadian mortgage rate is the same. Bank Rates When you visit a bank, it’s worth bearing in mind that their loan officers are […]

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Bidding War: How To Survive

Published on Mon, 16 Jun 2014 18:49:56 +0000

Do you have what it takes to win a bidding war? Bidding wars occur when multiple offers are placed on a house. The seller can take any offer, depending on the best conditions proposed. Do’s and Don’ts. Be careful not to allow multiple bids steer you into a spiral of “ignorant bidding”. Do your financial […]

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Bridge Financing

Published on Mon, 16 Jun 2014 18:31:32 +0000

Bridge the gap between one mortgage and the next. What happens if you find your perfect home the day after you put your current home on the market? Like many people, you probably get excited. Don’t worry! There is an answer– bridge financing. What is Bridge Financing? Bridge financing is short term financing that’s based […]

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Construction Mortgages

Published on Mon, 16 Jun 2014 18:19:14 +0000

Considering building a new home? Here is what you will need to understand. Building a home is complex; your low mortgage rate shouldn’t be. Let’s take a look at three different ways to finance your newly constructed home in Canada: Builder/Contractor built a home with your money: Customer has made an agreement with a registered […]

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