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Oliver Reprich

Oliver Reprich Muskoka REALTOR

Mortgage

Unpleasant rate surprises with mortgage renewals in 2018

Unpleasant rate surprises with mortgage renewals in 2018

Years of falling interest rates in the aftermath of the 2008-09 financial crisis taught a generation of home buyers that renewing a mortgage is a chance to reduce your payments. ...more




New mortgage stress test regulations

New mortgage stress test regulations

Starting January 2018, all uninsured mortgage borrowers will need to qualify at either the Bank of Canada’s five-year benchmark rate (currently 4.89 percent), or at ...more




Bank of Canada holds rates steady at 1%

Bank of Canada holds rates steady at 1%

On October 25, 2017, the Bank of Canada announced it was keeping its trend-setting overnight lending rate on hold at 1%. The rate rose by 0.25% in July and again in September. ...more




Why lenders may refuse your mortgage

Why lenders may refuse your mortgage

There are many reasons why a bank may reject your application for a mortgage.Not enough credit history:If you are new to the country or you recently finished at college/university ...more




New mortgage rules come into effect

New mortgage rules come into effect

One of the key changes means that all homebuyers seeking an insured mortgage, regardless of how much they have for a down payment, will be subject to a mortgage rate stress ...more




Bank of Canada holds interest rates steady in April 2016

Bank of Canada holds interest rates steady in April 2016

Graph source: Bank of Canada The Bank of Canada announced on April 13th, 2016 that it was keeping its trend-setting target overnight lending rate at 0.5 per cent. In ...more




Finance minister changes down payment rules

Finance minister changes down payment rules

On the 11th of December 2015 the Finance Minister Bill Morneau changed the rules for government-backed mortgage insurance, by adjusting the amount of down payment required ...more




Tax Deductions on Rental Property Income

Tax Deductions on Rental Property Income

When it comes to tax write offs for landlords, expenses that can be claimed are generally broken up into two categories: current expenses & capital expenses. A current ...more




7 Tips on How to Get The Best Mortgage

7 Tips on How to Get The Best Mortgage

Getting the best rate on your mortgage is a major concern for any home buyer. When you consider that only a few percentage points can cost you thousands over the life of a ...more




Financing a Cottage

Financing a Cottage

Everyone knows by now that the Federal government and the banks have tightened up mortgage rules. What most consumers don't know is how the banks have changed the financing ...more




Mortgage Options

Mortgage Options

Portable mortgages Porting a mortgage refers to transferring some or all of the terms and conditions and outstanding balance of the mortgage on your existing home to a ...more




Interest Rates: Fixed or Variable

Interest Rates: Fixed or Variable

When you apply for a mortgage, lenders may offer you options with either fixed or variable interest rates. Some lenders also offer a “hybrid” option that combines ...more




Mortgage Default Insurance - What it is and isn't

Mortgage Default Insurance - What it is and isn't

Mortgage default insurance (sometimes called mortgage loan insurance) protects the mortgage lender in case you are not able to make your mortgage payments. It does not protect ...more




Mortgage types: Open vs Closed

Mortgage types: Open vs Closed

Most lenders offer two types of mortgages: Open and Closed. The main difference between open and closed mortgages is the amount of flexibility you have in making extra ...more





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