Earl Smith, Your Halifax Mortgage Broker

Earl Smith || April 04, 2017

Debt and Debt Settlement Services

The debt-to-income ratio has hit the headlines again. This time the ratio rose to 167.3 % in the fourth quarter of 2016 compared to 166.8% in the third quarter. That means for every dollar of...

Earl Smith || March 14, 2017

The Four Types of Creditor Insurance

Home is more than a place you live. It’s your family’s haven from the world. But what if something happened to you? What would happen to the home you’ve invested so much in? You wouldn’t think about...

Earl Smith || February 07, 2017

Alternative Lenders go Mainstream

For some, getting a mortgage from a bank has become a bit more challenging – even if your credit score is good If you don’t qualify using the benchmark rate, regardless of what mortgage rate and...

Earl Smith || January 18, 2017

BANK OF CANADA RATE ANNOUNCEMENT JAN 18TH, 2017

Bank of Canada Rates Looks like 2017 begins the same way 2016 ended, with the Bank of Canada announcing that it has maintained its target for the overnight rate at 1/2...