4 Kids + a New Webpage!
  
Having filled the last six and half years with taking care of my clients, as well as raising these four adorable little monkeys, somehow getting my own website up and running has always ended up at the bottom of my "to do" list.
That is until Lucas of Brick Whale Creative (http://brickwhale.ca/) stepped in. Thanks to his hard work, I finally have a website I can be proud of!
Be sure to check it out here:
http://miltonmortgage.expert/
Bring on Summer!!!
As some of you may already know, James and I recently purchased a new home we're set to close on later this Spring!
It was a childhood dream of mine to own a home with a pool, and when the perfect home came up for sale in our neighbourhood, we decided it was finally time to make that dream a reality.
Bring on the sun, shades and sangria!!!
CIBC IRD Penalty Example - $9700 on $200k Mortgage
$9700 CIBC Penalty Fee
Imagine paying a $9700 penalty on a $200k mortgage. Here is an example from CIBC.
I'd almost say that big banks make more money on penalty fees then they do from the actual mortgage. If you are working with a broker or lender and all they discuss is the 'lower rate'.....RUN!
You could be paying for that low rate with a penalty like this.
Click PDF for close up.
Of course there are some of my clients who's only choice is to use a bank, however, 90% or more of my clients are using non-bank lenders for this very reason.
First Time Home Buyers' Tax Credit Eligibility
Did you buy a new home in 2015?
You can claim an amount of $5,000 for the purchase of a qualifying home acquired in 2015, if both of the following apply:
- you or your spouse or common-law partner acquired a qualifying home; and
- you did not live in another home owned by you or your spouse or common-law partner in the year of acquisition or in any of the four preceding years (first-time home buyer).
Not sure if you're eligible? Check out the video here:
http://www.cra-arc.gc.ca/vdgllry/ndvdls/menu-eng.html?clp=ndvdls/hmbyrs-eng&fmt=mp4
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