If you're a mortgage agent or you work in the financial industry and you're looking for a change, take a look at TCG Lending Centres. Here are just 5 of the reasons why you'll be happy you made the jump to the TCG team: We're a...
Debt has been the most pressing issue during this COVID-19 situation. Our previous posts have addressed some of these issues from the danger of predatory lending to the help you can get from credit counselling. Managing one’s debt is extremely important. However, each case is...
As we are going through these unprecedented times, we’ve been seeing a lot of references to predatory lending. Many wonder what this term refers to in the world of mortgages. Essentially, predatory lending is the practice whereby a lender deceptively persuades a borrower to agree...
If you find yourself having to pay hundreds, or even thousands, of dollars per month for interest payments on credit, you may want to consider debt consolidation. It may be the time to contact a mortgage broker to help you with this situation. You may be...
So here we stand, at the beginning of the century's third decade, and for us at The Costa Group, things have never looked more optimistic. The shift in the latter part of 2019 to be independently owned means we are now in a better position...
A Notice of Assessment, also known as NOA, is a statement from the Canada Revenue Agency notifying the taxpayer of the amount of tax they owe, if any, the amount of tax already paid, if any, tax credits received and contributions to a Registered Retirement...
Since January 2018, qualifying for a mortgage has been very challenging for first-time homebuyers, unless they got a “down payment” gift from a family member. As we have discussed numerous times, the federal stress test and climbing prices are the main reason why it is...
We all know the homebuying process is a complex task. From saving for a downpayment to finding the home of our dreams many steps need to be taken. We often tell people to budget on a monthly basis and to try to cut on certain...
We keep coming back to this topic of credit. It’s a crucial aspect for anyone planning for homeownership. However, similar to most things in the financial side of life, you need to be careful when building your credit history. It is very easy to get...
Here’s a word no one likes, but we all know and should understand fully, especially when it comes to purchasing a property in Toronto. Do you know, for example, the difference between land transfer and property tax? Often times we have clients telling us they...