Sarah vs Big Rob
  
We look alike. Supermodels.
Little Rob the Pirate
We went to Pirate days in Ladysmith. They had a mini pirate ship come to the marina with 2 Pirates of the Caribbean characters. Fun had by all. https://www.lmsmarina.ca/kids-pirate-day/
*Warning* Buying Property In the Future
Scenario:
You are going to buy a property in October. Your down payment will come from another property you already own.
This is hard:
In October, you apply for two new mortgages at the same time, one for the purchase and one to get access to the equity for your down payment.
This is easy:
In June, you apply for a mortgage to set up your down payment. In October you apply for a mortgage for the new purchase.
Why?
1. Qualifying for 2 mortgages at benchmark rate at the same time is harder than qualifying for 1 mortgage at benchmark rate.
2. If you are moving from 1 principal residence to another, then 1 of them will be considered a rental. This makes rates higher.
Result:
Set up your finances way before you get into a contract to purchase a new property.
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