As it relates to mortgages, credit can often take the longest time to fix if there are problems, so accessing your report to make sure all is in order is a definite first step if you are thinking about a mortgage any time soon. Here's how...

Last updated: May 2019

So You Want to Get a Mortgage with Bad Credit?

One of the mortgage clients I am working with right now has a Telus Mobility collection that is preventing her from getting a mortgage approval.  The hard to swallow part is it looks like Telus Mobility and their collection agency may have broken the law, yet my client is the one to straighten up the mess!

As you are likely aware, your ability to get a mortgage, loan or credit card depends on having a good (enough) credit repayment history in your credit report. As a mortgage broker, I have seen a lot of credit reports and I have seen a lot of reporting errors and damaged credit scores. Luckily, and with some effort,  errors can be corrected and your credit score will improve dramatically. To make these fixes, however, you need to understand the rules and how to approach resolving the problem. Interested? Read on ...

Last updated: May 2019

One of the things I like about being a mortgage broker is a real opportunity to help people out when life throws them a curve ball. Recently my phone rang from a self-employed mortgage holder, a couple trying to get some options as they had fallen behind on their mortgage payments, not to mention numerous other credit cards and, bills.

Last updated: May 2019

As a mortgage broker, one of the things I hear over and over again, especially with younger buyers, is that they think they have some credit report items that will prevent them from getting a mortgage. While that may be true, more often than not, it is actually a lack of down payment savings and/or too much personal debt that is the real culprit.