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Making A Budget Apply Now

Make a budget and learn how to manage your mortgage money better.

We already looked at the costs outside of securing a low mortgage rate, the purchase price that you should expect to pay, and the costs associated with moving in. Now it's time to take a look at your ongoing monthly expenses, how to pay off your Canadian mortgage sooner, and the renewal process.  This handy checklist will help keep you organized.

Budgeting for Home Expenses

Budgeting for home expenses requires organization and some degree of restraint. You will want to have money set aside for unexpected maintenance costs, as well. 

Monthly expenses include:

  • Property taxes
  • Maintenance and upkeep
  • Insurance
  • Mortgage payments
  • Heating and cooling
  • Hydro
  • Condo fees (if applicable)
  • Internet
  • Water
  • Cable
  • Telephone
  • Appliance rental (if applicable)

Budget Your Monthly Expenses

Beyond the cost of your monthly best mortgage rate, it's important that you know what you're spending and where you can cut expenses. Budgeting can be time consuming and tedious! Using an online budgeting tool like Mint.com can help you save time and money as it automatically tracks your expenses and allocates them against your budget.

How Can I Save Money?

High Interest Savings Account

Make your savings work harder for you.

Save Money on Credit Cards           

Changing your credit card can save you money by giving you a lower interest rate.

Paying off Your Mortgage Faster          

Owning your own home is both exciting and rewarding.  Take some time to put together a plan to pay it off as quickly as possible. There’s no freedom like financial freedom.

 

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Residential Mortgages

Looking to mortgage a new home? We are proud to offer some of the best mortgage products available. Take advantage of our low rate residential mortgages with personalized service and flexible payment options available.

Commercial Mortgages

Providing commercial mortgages for more than 20 years, our team of commercial mortgage experts offer in-depth knowledge and expertise to help your business thrive. Commercial mortgage approvals are guaranteed for 120 days!

Agricultural Mortgages

Agricultural mortgages are provided through AgriRoots Capital Management. Offering conventional and alternative lending options our agricultural mortgages are tailored to support the needs of your growing farm business.

Mortgage Calculators

Our mortgage calculators are here to help you gain an understanding of what your mortgage payments will look like. Our calculators will instantly provide you with an estimated monthly payment amount, mortgage affordability & more.

What is your mortgage rate? Lets find out!

The price of your home, your income and your credit rating have a huge effect on your interest rate! - let's find your precise rate, and help get you pre-approved.