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Home N Mortgage
Canada
เข้าร่วมเมื่อ 6 ธ.ค. 2019
"Home N Mortgage" channel is owned and operated by Neil who is a full-service mortgage specialist with Mortgage Alliance FSCO# 10530. He is a licensed mortgage professional within the province of Ontario, Canada (M19002622) and provides tailored solutions for your mortgage finance needs; be it Residential, Commercial or Construction and has access to a wide range of lenders to address your unique situation. You can reach out to Neil @647-904-5557 or access the website homenmortgage.ca/
Ep#19 - Fixed vs. Variable Mortgages: Which One Should You Choose?
Ep#19 - Fixed vs. Variable Mortgages: Which One Should You Choose?
In Episode 19 of “Getting Your Sh*t Together”, Jerome and I tackle a crucial decision for Canadian homeowners: Fixed vs. Variable Rate Mortgages.
We break down:
🏦 Fixed vs. Variable Mortgages: Pros, cons, and how to choose based on your financial personality (risk-tolerant vs. risk-averse).
📉 Bank of Canada Rate Cut Watch: What might happen on Dec 11 and how recent Canadian employment figures play into this.
🔮 Looking Ahead to 2025: What could be in store for mortgage rates in the near future.
Whether you’re renewing your mortgage or planning your first home purchase, this episode is packed with insights to help you make smarter mortgage decisions. 🎧
Keyword:
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In Episode 19 of “Getting Your Sh*t Together”, Jerome and I tackle a crucial decision for Canadian homeowners: Fixed vs. Variable Rate Mortgages.
We break down:
🏦 Fixed vs. Variable Mortgages: Pros, cons, and how to choose based on your financial personality (risk-tolerant vs. risk-averse).
📉 Bank of Canada Rate Cut Watch: What might happen on Dec 11 and how recent Canadian employment figures play into this.
🔮 Looking Ahead to 2025: What could be in store for mortgage rates in the near future.
Whether you’re renewing your mortgage or planning your first home purchase, this episode is packed with insights to help you make smarter mortgage decisions. 🎧
Keyword:
19 - Fixed vs. Variable Mortgages:,variable rate,variable,Fixed vs. Variable Mortgages: Which One Should,Ep19 - Fixed vs Variable Mortgages,Fixed vs. Variable Rate Mortgages.,What could be in store for mortgage rates in the near future,adjustable rate mortgage,Which One Should You Choose,Variable Mortgages Which One Should You Choose,19 - Fixed vs Variable Mortgages,Mortgages: Which One Should You Choose,Fixed vs. Variable Mortgages: Pros
มุมมอง: 112
วีดีโอ
Ep#18: Real Estate Investing 101: A Beginner’s Guide to Building Wealth
มุมมอง 129หลายเดือนก่อน
Ep#18: Real Estate Investing 101: A Beginner’s Guide to Building Wealth In Episode 18 of Getting Your Sht Together*, Jerome and Neil break down the basics of real estate investing-perfect for anyone curious about starting their journey into property investment. We discuss: • Why real estate is such a powerful tool for building wealth • The different types of properties and investments to consid...
Ep#18: Real Estate Investing 101: A Beginner’s Guide to Building Wealth
มุมมอง 541หลายเดือนก่อน
Ep#18: Real Estate Investing 101: A Beginner’s Guide to Building Wealth In Episode 18 of Getting Your Sht Together*, Jerome and Neil break down the basics of real estate investing-perfect for anyone curious about starting their journey into property investment. We discuss: • Why real estate is such a powerful tool for building wealth • The different types of properties and investments to consid...
🚨 Bank of Canada Cuts Rates by 0.50%! What It Means for Your Mortgage in 2025
มุมมอง 209หลายเดือนก่อน
🚨 Bank of Canada Cuts Rates by 0.50%! What It Means for Your Mortgage in 2025 The Bank of Canada just announced a 0.50% rate cut, bringing the Prime Rate to 5.45%. If you have a variable-rate mortgage or HELOC, you’ve saved about $145/month per $100K of debt since the peak! But what about fixed-rate mortgages? They’re still holding steady-so what should homeowners do next? Watch our full breakd...
Ep#17: Debt Management Strategies: Regain Control of Your Finances
มุมมอง 233หลายเดือนก่อน
Ep#17: Debt Management Strategies: Regain Control of Your Finances In Episode 17 of Getting Your Sh*t Together, Jerome and I tackle the complex and often stressful topic of debt management. We break down practical strategies like debt consolidation, credit card transfers, fixed payment loans, and even more serious options like bankruptcy and consumer proposals. But managing debt isn’t just abou...
Ep#17: Debt Management Strategies: Regain Control of Your Finances
มุมมอง 391หลายเดือนก่อน
Ep#17: Debt Management Strategies: Regain Control of Your Finances In Episode 17 of Getting Your Sh*t Together, Jerome and I tackle the complex and often stressful topic of debt management. We break down practical strategies like debt consolidation, credit card transfers, fixed payment loans, and even more serious options like bankruptcy and consumer proposals. But managing debt isn’t just abou...
Ep#17: Debt Management Strategies: Regain Control of Your Finances
มุมมอง 263หลายเดือนก่อน
Ep#17: Debt Management Strategies: Regain Control of Your Finances In Episode 17 of Getting Your Sh*t Together, Jerome and I tackle the complex and often stressful topic of debt management. We break down practical strategies like debt consolidation, credit card transfers, fixed payment loans, and even more serious options like bankruptcy and consumer proposals. But managing debt isn’t just abou...
Ep#16: Spotting Fishy Investment Schemes & Avoiding Financial Fraud
มุมมอง 122หลายเดือนก่อน
Ep#16: Spotting Fishy Investment Schemes & Avoiding Financial Fraud In the latest episode of Getting Your Sh*t Together, Jerome and Neil talk about some of the sneaky tactics behind fishy investment schemes and financial frauds. Learn how to spot red flags (by no means exhaustive) and take simple precautions to keep your money safe. 💸 👉 Don’t let scammers take what's yours-knowledge is power. K...
Ep#16: Spotting Fishy Investment Schemes & Avoiding Financial Fraud
มุมมอง 113หลายเดือนก่อน
Ep#16: Spotting Fishy Investment Schemes & Avoiding Financial Fraud In this episode of Getting Your Sh*t Together, Jerome and Neil touch upon cases of financial fraud and investment schemes that promise big but deliver heartbreak. Learn how to spot red flags (by no means exhaustive) and take simple precautions to keep your money safe. 💸 👉 Don’t let scammers take what's yours-knowledge is power....
Ep#15: Looking Beyond Big Banks - When Alternate Lenders Make Sense
มุมมอง 7หลายเดือนก่อน
In Episode 15 of Getting Your Sh*t Together, Jerome and Neil explore alternate lenders as an option for borrowers who want to go beyond traditional big banks. Sometimes, the big banks aren’t the best fit for specific goals-and that’s where these lenders come in. We discuss when it makes sense to work with an alternate lender, the costs involved, and how to align your lending choice with your ul...
Ep#15: Looking Beyond Big Banks - When Alternate Lenders Make Sense
มุมมอง 5หลายเดือนก่อน
In Episode 15 of Getting Your Sh*t Together, Jerome and Neil explore alternate lenders as an option for borrowers who want to go beyond traditional big banks. Sometimes, the big banks aren’t the best fit for specific goals-and that’s where these lenders come in. We discuss when it makes sense to work with an alternate lender, the costs involved, and how to align your lending choice with your ul...
Ep#14: Equity Investment Mortgages - A New Way to Leverage Your Home's Value
มุมมอง 152 หลายเดือนก่อน
In this episode of Getting Your Sh*t Together, Jerome and Neil dive deep into the Equity Investment Mortgage strategy-a tool that’s becoming increasingly popular for savvy homeowners and investors. We explore how this strategy works, why it’s attracting so much attention, and the potential benefits and risks involved. If you're considering new ways to leverage your home's equity, we cover the e...
Ep#14: Equity Investment Mortgages - A New Way to Leverage Your Home's Value & Build Wealth
มุมมอง 42 หลายเดือนก่อน
In this episode of Getting Your Sh*t Together, Jerome and Neil dive deep into the Equity Investment Mortgage strategy-a tool that’s becoming increasingly popular for savvy homeowners and investors. We explore how this strategy works, why it’s attracting so much attention, and the potential benefits and risks involved. If you're considering new ways to leverage your home's equity, we cover the e...
Ep13# - Essential Mortgage Terms Every Borrower Should Know
มุมมอง 22 หลายเดือนก่อน
In this episode of Getting Your Sh*t Together, Jerome and Neil are breaking down the mortgage jargon! We cover over 15 essential mortgage terms that every borrower should know-ideal for newbies who want a solid understanding of the basics and for seasoned homeowners looking to refresh their knowledge (and maybe pick up something new). From amortization to variable rates, we’ve got you covered o...
Ep#13: Essential Mortgage Terms Every Borrower Should Know
มุมมอง 12 หลายเดือนก่อน
In this episode of Getting Your Sh*t Together, Jerome and Neil are breaking down the mortgage jargon! We cover over 15 essential mortgage terms that every borrower should know-ideal for newbies who want a solid understanding of the basics and for seasoned homeowners looking to refresh their knowledge (and maybe pick up something new). From amortization to variable rates, we’ve got you covered o...
Ep12: How Alimony & Child Support Affect Your Mortgage Eligibility
มุมมอง 42 หลายเดือนก่อน
Ep12: How Alimony & Child Support Affect Your Mortgage Eligibility
Ep#12: How Alimony & Child Support Affect Your Mortgage Eligibility
มุมมอง 22 หลายเดือนก่อน
Ep#12: How Alimony & Child Support Affect Your Mortgage Eligibility
Ep11: Bank of Canada Rate Cut & How Car Payments Impact Your Mortgage
มุมมอง 162 หลายเดือนก่อน
Ep11: Bank of Canada Rate Cut & How Car Payments Impact Your Mortgage
Ep#11: Bank of Canada Rate Cut & How Car Payments Impact Your Mortgage
มุมมอง 112 หลายเดือนก่อน
Ep#11: Bank of Canada Rate Cut & How Car Payments Impact Your Mortgage
Bank of Canada Rate Drop Explained | Oct 2024 [0.50% reduction]
มุมมอง 112 หลายเดือนก่อน
Bank of Canada Rate Drop Explained | Oct 2024 [0.50% reduction]
Ep10: Navigating NOSI & New Rules for First-Time Homebuyers
มุมมอง 92 หลายเดือนก่อน
Ep10: Navigating NOSI & New Rules for First-Time Homebuyers
Ep#10: Navigating NOSI & New Rules for First-Time Homebuyers
มุมมอง 12 หลายเดือนก่อน
Ep#10: Navigating NOSI & New Rules for First-Time Homebuyers
Ep9: Reverse Mortgages for Cash Flow & Suitability of Private Mortgages
มุมมอง 53 หลายเดือนก่อน
Ep9: Reverse Mortgages for Cash Flow & Suitability of Private Mortgages
Ep8: Mortgage Insurance Explained & Navigating Divorce Challenges
มุมมอง 33 หลายเดือนก่อน
Ep8: Mortgage Insurance Explained & Navigating Divorce Challenges
Ep7: Retirement Ready? Plus, Unlocking the Benefits of Secondary Suites
มุมมอง 113 หลายเดือนก่อน
Ep7: Retirement Ready? Plus, Unlocking the Benefits of Secondary Suites
Ep6: GTA Market Trends, Affordability & Homebuyer Decisions: New Construction vs. Resale
มุมมอง 13 หลายเดือนก่อน
Ep6: GTA Market Trends, Affordability & Homebuyer Decisions: New Construction vs. Resale
Ep5: Rate Cuts & Ready to Buy? Your Mortgage & Homebuying Game Plan
มุมมอง 43 หลายเดือนก่อน
Ep5: Rate Cuts & Ready to Buy? Your Mortgage & Homebuying Game Plan
Ep4: Dream Bigger: Boosting Savings & Paying Off Your Mortgage Faster
มุมมอง 53 หลายเดือนก่อน
Ep4: Dream Bigger: Boosting Savings & Paying Off Your Mortgage Faster
Ep#3: Smart Mortgage Moves for Business Owners & Taming Debt for Financial Freedom
3 หลายเดือนก่อน
Ep#3: Smart Mortgage Moves for Business Owners & Taming Debt for Financial Freedom
Ep#2: July Market Insights & Mortgage Prep: Your Blueprint for Success
3 หลายเดือนก่อน
Ep#2: July Market Insights & Mortgage Prep: Your Blueprint for Success
📉 Key Points Covered: 1. The Bank of Canada has reduced its Policy Rate by 0.50%, bringing the Prime Rate to 5.95% 2. How this rate drop impacts your variable rate mortgages and loans. 3. Economic indicators influencing the rate drop, including CPI, GDP growth, and employment trends. 4. Predictions for future rate changes and what they mean for your mortgage decisions. 5. Tips on choosing between fixed and variable rate mortgages based on your financial situation. 💡 What Should You Do? • Consider a 3-year fixed rate mortgage if you're struggling with higher payments • Stay flexible with a variable rate mortgage if you can till at least March or April 2024 • Review fixed rate mortgage terms closely to avoid potential penalties if rates drop further • Evaluate a Switch if existing Fixed Rate Mortgage is over 5% 📊 Mortgage Market Insights: • Detailed analysis of bond yield trends and fixed vs. variable rate spreads. • Visual charts showing the trends of various mortgage types over the last 36 months. For more detailed insights, make sure to read our latest newsletter linked below. 🔗 Newsletter Link: www.homenmortgage.ca/post/prime-rate-drops-to-5-95-4th-reduction-since-june-2024 As always, if you have any questions or need personalized advice, feel free to reach out. Don't forget to like, subscribe, and hit the bell icon for more updates! 📞 Contact Me: 647-904-5557 / njoseph@mortgagealliance.com 📱 Follow Me On Social Media: • LinkedIn: www.linkedin.com/in/neiltjoseph/ • Facebook: facebook.com/yhmca/ • Twitter: x.com/SolvedByNeil • Google Business Page: maps.app.goo.gl/2pQoUT1QJXhW7TGAA Thanks for watching, and I’ll see you next time!
For additional info do checkout the links below: • NOSI Details: www.ontario.ca/page/notices-security-interest • FTHB 30-Year Amortization: www.homenmortgage.ca/post/first-time-homebuyers-30-year-amortization-for-insured-mortgages • New $1.5 Million Insured Mortgage Limit: www.homenmortgage.ca/post/new-1-5-million-insured-mortgage-limit
✋ 'Promo sm'
www.homenmortgage.ca/post/timing-the-market-stick-with-variable-rate-or-switch-to-fixed-rate
www.homenmortgage.ca/post/navigating-your-mortgage-renewal-best-practices-for-homeowners
Thank you for an interesting, useful and very high-quality video! You provide a lot of useful information that I will try to apply in practice. Keep shooting in the same spirit!
Thank you for the encouragement
Good video
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the main thing is what works
It,s a great video
Glad you think so!
хорошее видео мне это нравится. поздравляю на вашем канале так держать. приветствие из МОСКВА. подписаться на мой канал тоже Спасибо
хорошее видео мне это нравится. поздравляю на вашем канале так держать. приветствие из МОСКВА. подписаться на мой канал тоже Спасибо
Thanks for your note of appreciation
Excellent I like this video
Thank you so much 😀
👍
Thanks
excellent video
Glad you liked it!
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Excellent video, thanks for all the information provided! I didn't know
Glad it was helpful!
i liked
great thanks for that advice, in this fifth episode
Glad to help!
awesome content keep up the great content
Appreciate it
I prefer to have a plan before a big purchase. This way I save some money.
Very good explanation, without a doubt this is a great project.
Glad you liked it
interesting videos 🤔
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Thanks and welcome
супер"
Hi
Hi..
Hi