How to Include Upgrades with your New Purchase
You may be able to qualify for a Purchase Plus Improvements mortgage and include the cost of renovations into your mortgage.
Sylvia Ho
- Jan 3
- 1 min
The benefits of a Mortgage Broker
There are many other benefits of having a mortgage broker on your side. With a mortgage broker, I work for you, and I work with a variety of
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Sylvia Ho
- Dec 28, 2021
- 1 min
How often you'll make mortgage payments
Your lender will determine how much your mortgage payment is and you can decide whether you want to make payments monthly, semi-monthly, bi-
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Sylvia Ho
- Dec 7, 2021
- 1 min
Preparing for Your Mortgage Renewal
One year from your mortgage maturity date, you will want to follow important tips to ensure you get the best rate and terms.
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Sylvia Ho
- Nov 9, 2021
- 1 min
What do you do when your mortgage term ends?
At the end of your mortgage term, what's next? What are you options? Do you just sign the letter from your lender? Understanding ALL of...
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Sylvia Ho
- Oct 26, 2021
- 1 min
How to get the best rate at renewal
Tips on how to get the best mortgage rate at your renewal
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Sylvia Ho
- Oct 12, 2021
- 1 min
Why NOT to sign that renewal letter
Around 4 months before your mortgage term ends, your lender will send you a letter or notification to renew your mortgage with them.
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Sylvia Ho
- Sep 28, 2021
- 1 min
The Story of the Gold Toilet
Have I ever told you the story of the gold toilet? If you've been told to remove the financing clause on a property you want to purchase,...
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Sylvia Ho
- Aug 9, 2021
- 1 min
What is the Difference Between Mortgage Lenders?
The difference between mortgage lenders - from banks to credit unions and mortgage finance companies.
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Sylvia Ho
- Aug 9, 2021
- 1 min
How To Get a Mortgage for your New Construction Property
How To Get a Mortgage for a New Construction Property. Important tips to new construction financing to save money and time.
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Sylvia Ho
- Aug 4, 2021
- 1 min
Common Mistakes Homebuyers Make
Your Mortgage Pre-Approval is conditional and based on your financial criteria at the time of application.
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Sylvia Ho
- Jul 21, 2021
- 1 min
Why You Should Review Your Mortgage Annually
Reviewing your mortgage annually with a Mortgage Broker can bring you closer to your financial goals.
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Sylvia Ho
- Jul 7, 2021
- 1 min
Don't be surprised by Closing Costs
When purchasing a home, homebuyers need to consider Closings Costs which account for 3 to 4% of the purchase price.
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Sylvia Ho
- Mar 3, 2021
- 2 min
The Million Dollar Question: Variable or Fixed Rate Mortgage?
The answer - It really depends on YOUR situation! I know, I wish it was a simpler answer, but the decision between fixed and variable...
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Sylvia Ho
- Nov 9, 2020
- 3 min
The Fine Print of a Mortgage Agreement: Do you Want a Straw or a Brick House?
It’s time for a fairy tale (but trust me, it’s applicable to real life!) Remember the classic fairy tale of the three little pigs? The...
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Sylvia Ho
- Oct 14, 2020
- 2 min
Mortgages & Sports Stores: An Athletic Analogy!
Are you wondering what sports stores and mortgages could possibly have in common? We’ll explain in this blog! Shopping at the Nike store...
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Sylvia Ho
- Oct 2, 2020
- 3 min
Attention realtors…. Will incorporating mean you can’t get into your dream home?
Realtors: This can affect your future On October 1st, 2020, the Ontario government implemented new regulations that impact real estate...
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Sylvia Ho
- Feb 10, 2020
- 2 min
How To Avoid Paying $25K In Fees When Setting Up A Mortgage
A question I get asked a lot: Why go through a mortgage agent like myself? Why not just go to your local branch? Let me tell you how I...
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Sylvia Ho
- Sep 12, 2019
- 2 min
10 Reasons to Use Sylvia Ho - Mortgage Agent vs a Bank
1. Free service with real value - You don’t get charged for my services. Banks pay my commission. It’s cheaper for the lenders to pay me...
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Sylvia Ho
- Aug 16, 2019
- 3 min
Combined Property Tax & Mortgage Payments: Convenient or Costly?
If you’re a Canadian homeowner paying your property taxes and mortgage in one single payment, you might be paying more than you should....
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