Karista Blog

Top Dollar: How High Can You Go?

Blog, Homeownership

Read in Tagalog

Affordability is a major concern for today’s aspiring first-time homebuyers. In hot real estate markets like the Greater Toronto and Greater Vancouver regions, however, the desire for affordability can be challenged by the competitive fervour caused by escalating prices and bidding wars. As anyone who has researched homeownership in these markets knows, it’s easy to feel the pressure to bid higher than you’d like.

I've Never Heard of That Lender Before?

mortgage, Blog

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One of the benefits of working with an independent mortgage professional; compared to getting your mortgage through a single institution, is choice. And as there are even more mortgage rules coming into place January 1st 2018, (read about them here) now more than ever, having access to a wide variety of mortgage products is going to ensure you get the mortgage that best suits your needs.

Mortgage Chat - Client Appreciation Event

Mortgage Chat

To our valued clients, check your email for your Client Appreciation Event Invitation. This year's event happens on November 18!

Bank of Canada Rate Announcement Oct 25th, 2017

mortgage, Announcements, Blog

Read in Tagalog

The Bank of Canada today maintained its target for the overnight rate at 1 per cent. The Bank Rate is correspondingly 1 1/4 per cent and the deposit rate is 3/4 per cent.

Mortgage Chat - New Mortgage Rules coming into effect January 1 2018 [Tagalog]


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Maraming salamat sa pagbisita sa Mortgages by Bernadette & Team Blog. Ang Mortgage Chat ay isang weekly Facebook Live video kung saan pinaguusapan natin kung ano ang nangyayari sa mundo ng mortgages. Naibahagi ko ang aming pinakabagong chat sa baba. Paki-like ang aking Facebook Page, para makasali ka sa susunod na Mortgage Chat, live!

Mortgage Chat - New Mortgage Rules coming into effect January 1 2018

Mortgage Chat, Blog

See in Tagalog

Thanks for visiting the Mortgages by Bernadette & Team Blog. Mortgage Chat is a weekly Facebook Live video where we have a chat about what is going on in the world of mortgages. I've shared our most recent chat below. Please like my Facebook Page, so you can tune in to the next Mortgage Chat, live!

3 Reasons Canadian Mortgage Rates Will Never Hit 5%

Finance, mortgage, Blog

High borrowing rates are a relic.

What you Need to Know About the Latest Mortgage Rule Changes

Finance, mortgage, Announcements, Blog, Economy

Read in Tagalog

If you've tuned into the news today, you've probably heard that there are new mortgage rules coming into effect on January 1st. 2018. Over the next week you'll most likely hear a lot of commentary on whether these rules are good, bad, necessary, or unnecessary. And no doubt someone somewhere will come to the conclusion that no one will ever get a mortgage again, and that the housing market in Canada is going to come crashing down around us. Please remember that it's the media's job to write headlines and attract eyes, so they tend to sensationalize everything. Take what you hear with a grain of salt. Mortgages will still be written, and houses will still be bought.  

Using Common Spending Habits to Accelerate Mortgage Repayment

Finance, Blog

Read in Tagalog

Whether you are looking to save a downpayment for your first home or you would like to pay down your existing mortgage just a little more quickly, the secret to getting ahead might just be in managing your spending habits.

How Does Your Credit Score Hold Up?

mortgage, Blog


In an article released by the Canadian Mortgage and Housing Corporation (CMHC), it appears that those people who have a mortgage tend to be a little more credit worthy compared to those who don't. It also points out that credit scores are quite steady across Canada.