Are you tired of the mass media paranoia?  The Housing Bubble! Debt-to-income Ratios! Canada Is On The Verge Of Economic Collapse!  Foreign Investors!  The Stress Test!  The Liberals, The Conservatives, The NDP are destroying our country or province or something or other virtually every day.  It would seem that the sky is falling. Take a […]

Mortgages are simple.  They should be easy to acquire and should have a common-sense based application process.   However, over the last decade, there have been numerous changes.   The regulators have decreased our amortizations from 40 years to 35 to 30 and now 25 (for insured mortgages).  They have curtailed and obstructed small business […]