4 Factors Affecting your Approval
When applying for a mortgage, several financial factors are evaluated to determine your eligibility and terms of the loan.⬇️ 1. Income...
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haleyvink
Oct 161 min read
Lender Options
Why are more and more people choosing the broker channel to plan their mortgage?⬇️ The answer is obvious isn’t it? The BEST product your...
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haleyvink
Oct 161 min read
Budgeting
New to budgeting? Follow the 50-30-20 rule to get started.✨ 1. 50% for Needs: This portion of your income should go towards essential...
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haleyvink
Oct 161 min read
More than the Rate
There’s more to your mortgage than just the interest rate.✨ Although the interest rate is an important component in your mortgage, there...
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haleyvink
Oct 161 min read
Home Equity Line of Credit
Are you looking to access equity in your home without breaking your current mortgage and paying penalties? 💰 - A home equity line of...
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haleyvink
Jan 161 min read
2024 Homeownership Goals
A new year brings new opportunities.✨ When it comes to home ownership, there are many ways you can prepare yourself for an approval this...
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haleyvink
Nov 25, 20231 min read
New to Canada 🇨🇦
The New to Canada 🇨🇦 program is designed for individuals who have recently moved to Canada and are looking to purchase a home. These...
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haleyvink
Nov 25, 20231 min read
What Documents are Required?
✨Organizing your documents ✨ ✨When applying for a mortgage, there are documents that you will need to provide to the lender in order to...
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haleyvink
Nov 25, 20231 min read
Mortgage Insurance
Mortgage insurance, also known as mortgage default insurance is a type of insurance that lenders use to protect themselves against the...
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haleyvink
Nov 25, 20231 min read
Renew with Lower Monthly Payments
How to obtain lower monthly payments on your next renewal. ⬇️ ✨Tip: extend your amortization back to 25/30 years.✨ Did you know during...
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haleyvink
Nov 25, 20232 min read
Self Employed
There are generally two ways to qualify for a self employed mortgage. 1. If you have been self employed for at least 2 years and can show...
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haleyvink
Jun 14, 20231 min read
How to Apply!
1. Visit thinkvinkmortgages.ca. 2. Click apply now! 3. Fill out the mortgage application and submit.✔️ Wondering what information is...
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haleyvink
Jun 14, 20231 min read
Closing Costs
Closing costs are the fees paid by the buyer to finalize the purchase of a property. These costs can include appraisal fees, title...
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haleyvink
Jun 14, 20231 min read
First Home Savings Account (FHSA)
Canada’s new First Home Savings Account (FHSA) designed to help Canadians save towards a down payment for their first home tax free,...
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haleyvink
Jun 14, 20231 min read
Types of Lenders
As a mortgage agent we have access to all types of lenders to support all types of clients through every stage of their life.🏡 ✨A -...
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haleyvink
Apr 11, 20231 min read
3 Ways to Increase Your Preapproval Amount
Did your preapproval come back short? Follow these 3 tips to instantly increase your preapproval amount ✨ ✨1. Lower your debt-to-income...
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haleyvink
Apr 11, 20232 min read
Broker vs. Banker
While your bank can only approve you for their mortgage product with their associated rates, a mortgage agent can compare and shop...
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haleyvink
Apr 11, 20232 min read
Prepayment Penalties
Looking to break your mortgage term? Here’s what you should know first! 🏡Prepayment penalties are fees paid to your current mortgage...
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haleyvink
Apr 11, 20231 min read
Prepayment Privileges
Looking to pay off your mortgage faster? Prepayment privileges will help you do so in the cheapest way possible! ⬇️ A prepayment...
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haleyvink
Jan 24, 20231 min read
Credit Score Tips and How They’re Calculated
To increase your credit score and accessibility to a lower mortgage rate, follow these 3 tips: 1️⃣ Use all credit cards and lines of...
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