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    • Debt Servicing – How to Calculate It (Instructional)
    • 15FEB
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      First Time Home Buyer Rights and Advantages

      Transcript of Video Blog: It’s Rowan Smith from the Mortgage Centre. I want to address a very common myth that I hear about, that clients will come to me and say, “Well, I’m a first-time home-buyer, so don’t I get a better rate on my mortgage?” The answer is absolutely not. Everybody is going to

      • Posted by Rowan Smith
      • First Time Homebuyers
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    • 12FEB
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      Debt Servicing – Ratios – What Does it Mean?

      Transcript of Video Blog: Hi everyone, it’s Rowan Smith with the Mortgage Centre. I want to address one of the more common misunderstood elements of mortgage financing, and that’s debt servicing. And what percentage of your income is allowed to go towards mortgage payments, principal, interest, taxes, heat, or other debt payments. There’s two main

      • Posted by Rowan Smith
      • Basic Mortgage Info
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    • 17JAN
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      Opinion: New Mortgage Rules Punish First Time Home Buyers

      After further analysis I believe the just announced mortgage rule changes punish responsible, and especially first time, homebuyers. I am specifically referring to the reduction in maximum amortization from 35 to 30 years. Over the last several months, the Federal Government and the Bank of Canada have been giving “hints” that they were concerned that

      • Posted by Wayne Mah
      • First-Time Buyers
      • Market Update
      • Opinion
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    Rowan Smith, MBI

    rowan@citywidemortgage.ca
    T: 604-657-6775
    F: 1-888-282-5760

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      604-257-2600
    • Vancouver, BC
    • V6H 1G7

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