Earl Smith, Your Halifax Mortgage Broker

Earl Smith || October 21, 2017

New Mortgage Rule Changes

The Office of the Superintendent of Financial Institutions (OSFI) released revised guidelines for the mortgage industry, similar to the draft version released earlier this summer.These new parameters...

Earl Smith || October 04, 2017

Why I am a Mortgage Broker

With all the changes to mortgage rules and the recent increases in mortgage rates,I wanted to reach out to let you know why I love my job as a Mortgage Broker – it’s all about you. ...

Earl Smith || September 05, 2017

New Mortgage Rule Changes on the Horizon

The Office of the Superintendent of Financial Institutions (OSFI)has proposed new mortgage lending guidelines, yet again, that includes a stress test for uninsured mortgages. This is in addition to...

Earl Smith || August 16, 2017

Insured, Insurable, and Un-Insurable Mortgages

So, you’ve managed to save a large down payment to purchase your new home – at least 20% of the purchase price.Or you’ve decided to refinance your existing mortgage to renovate your basement. But...