Earl Smith, Your Halifax Mortgage Broker

Earl Smith || April 03, 2018

Are you planning to buy, refi or renew in 2018?

The Spring real estate market is upon us. Buying a new house should be exciting, but it can get pretty harrowing at times. You may worry you won’t qualify, given the new rules. There may be...

Earl Smith || March 08, 2018

Refinancing your mortgage – you may be in for a surprise

New mortgage rules have definitely had an impact on new home buyers, but those with an existing first mortgage who want to refinance may be in for a surprise. If you were considering refinancing to...

Earl Smith || February 06, 2018

The growth of private mortgage lending

Getting a mortgage from a bank or a non-bank lender has become a bit more challenging.With the recent introduction of new mortgage rules, lenders have had to tighten their qualifying guidelines. The...

Earl Smith || January 03, 2018

Are you thinking of buying a house in 2018?

There may be uncertainty about house prices and about interest rates. Not only that, some of the big worries occur after moving in and finding un-anticipated problems.While the house-buying process...