Tara L Evans, Resource Development Manager - Oriana Financial

The peace of mind that comes with a steady rate has trade-offs that homeowners should be aware of. Contact me to see what option might be best for you.

As rates rise, is now the time to lock in a fixed mortgage? Here’s what to know - National | Globalnews.ca Variable-rate mortgage holders seeing interest rates rise are getting antsy and thinking more and more about converting, brokers say. If you're in that boat, here's what to know.

A cluttered house or cluttered mind can make you feel unproductive. It’s the same thing when your finances are disorganized. With the rate of inflation, it is more important than ever to get your finances in order!

Want to give your finances a spring cleaning? First, get organized By decluttering your finances, you will be less stressed and on track to financial wellness.

Is your mortgage up for renewal? 60% of borrowers renew with their current lender. A renewal is the perfect time to re-calibrate current needs and formulate future plans.

Remember, you're the boss. If you've got a good track record, lenders will compete for your business. Shop the market and think about your plans, keeping in mind the lowest mortgage rate is not always the best product. Contact me today to discuss your upcoming renewal or any of your mortgage needs!

Is your mortgage up for renewal? 60% of borrowers renew with their current lender. A renewal is the perfect time to re-calibrate current needs and formulate future plans.
Remember, you're the boss. If you've got a good track record, lenders will compete for your business. Shop the market and think about your plans keeping in mind the lowest mortgage rate is not always the best product. Contact a mortgage agent to discuss your upcoming renewal or any of your mortgage needs!.

This year’s federal budget has a variety of tax measures affecting individuals, particularly homeowners. Find out how it might impact you.

Jamie Golombek: Here's how the federal budget impacts your wallet This year’s federal budget saw a variety of tax measures affecting individuals, corporations, and charities

The country’s benchmark interest rate is rising half a percentage point, the Bank of Canada announced Wednesday, the first time it has raised rates by more than 25 basis points in more than two decades.

Bank of Canada hikes key interest rate 50 basis points for 1st time in 22 years - National | Globalnews.ca The Bank of Canada is raising its key interest rate by half a percentage point, up to an even one per cent, in its first move of that magnitude in more than 20 years.

The Bank of Canada appears ready to increase interest rates up aggressively as inflationary pressures broaden and Russia’s invasion of Ukraine sends energy and food prices soaring. Contact me to find out how this may impact your mortgage!

Bank of Canada expected to announce oversized rate hike this week Bay Street economists believe the central bank will raise its policy interest rate by half a percentage point at its Wednesday rate announcement, instead of the usual quarter percentage point

Debt, unsteady income and bad credit are just a few of the reasons you may not qualify for the best mortgage rate.

Contact me to find out more!

10 Reasons Why Homebuyers May Not Qualify for the Best Rates - Mortgage Rates & Mortgage Broker News in Canada As mortgage brokers, we know that homebuyers are sometimes disappointed when they can't qualify for the best rates. They inevitably always come back with one burning question: why?

The tax filing deadline is May 2nd this year. Before you file though it is good to know a few of the red flags that could trigger the dreaded audit.

Pattie Lovett-Reid: What you need to know to avoid a tax audit It is best to avoid an income tax audit at all costs, writes Pattie Lovett-Reid in her latest exclusive column on CTVNews.ca.

Politicians have done little to fix the problem of housing affordability. Might someone instead exploit this issue to win the support of those shut out of the market?

The divide between housing haves and have-nots is growing – will a politician exploit it? Rising costs are taking over as a top source of stress and anger as the pandemic eases, and no cost is rising as fast as housing

Spring is here! Here are some tips to get your home in order.

10 ways to prepare your home for the spring season (beyond just a spring clean) Stride on into spring with a clear, decluttered home.

Hoping you've had the chance to relax and spend time with your family and loved ones this weekend. Happy Family Day!

Check out these fun events happening in the GTA this coming Family Day weekend!

Family Day Weekend Events in the GTA - Child's Life Loading view. Events Family Day Weekend Events Events Search and Views Navigation Search Enter Keyword. Search for Events by Keyword. Event Views Navigation List List Month Photo Map Today Upcoming Upcoming Select date. February 2022 Thu 10 Friday, January 14 - Sunday, February 20 Bugged Out at Brid...

Your RRSP investments can be an essential part of your savings strategy as they entitle you to tax advantages that help your retirement income grow. They can also be used to finance the purchase of your first home. The rush to meet the registered retirement savings plan (RRSP) deadline, coming March 1st, is a ritual at this time of year as Canadians try to max out their contributions and reap the greatest tax savings. However, this rush can lead to mistakes.

Such mistakes can be avoided and fixed by gearing RRSP decisions to investment goals, portfolio management, and long-term tax efficiency strategies. Click below to read more.

Here are some big mistakes to avoid when trying to meet that March RRSP deadline RRSP contribution decisions should be geared toward investment goals, portfolio management, and long-term tax efficiency strategies

Traditionally, seniors sell their family homes and downsize or move into retirement communities. However, boomers, who own a substantial share of Canadian real estate, are breaking that trend and holding onto their homes. This newly emerging trend is creating a bottleneck in supply for first-time buyers and young families. Click below to read more.

Aging in place: How Baby Boomers are breaking Canada's real estate market In one of the tighest real estate markets ever recorded in Canada, Boomers are not letting go of their homes

Is your mortgage coming up for renewal? This is your opportunity to assess your current finances and ensure that your next mortgage is truly a great match.

The mortgage you signed 5 years ago may not work for you anymore- so much can change in our lives from one mortgage term to the next.

What many Canadians don’t know is that at renewal time, you can not only negotiate new mortgage terms and rates, you can also switch lenders.

Talking to a mortgage broker is a great place to start when it comes to mortgages and renewals, as brokers work with a variety of lenders to find the best rate with all the terms and flexibilities you want in a mortgage.

Contact an Oriana agent to develop the best action plan for your unique situation.

In the past, brokers would tend to advise clients on probation from their jobs to wait until their probation was completed, because lenders view them as a higher risk of not making their mortgage payments (if released during probation). But in some cases, that may not be necessary.
Contact me to discuss your options.

Can You Qualify for a Mortgage While on Probation at Your Job? - Mortgage Rates & Mortgage Broker News in Canada Last year, we noticed an increase in the number of mortgage applicants who are still on probation at their jobs.

Get in touch to know if you may be eligible for one or more of these programs.

2022 Predictions: While Toronto saw record-breaking increases in home prices in 2021, things are looking a bit different for 2022. While Canadian home values are expected to rise strongly again in 2022, they are expected to rise at a slower pace compared to 2021.

This is what experts say will happen with Toronto's real estate market in 2022 Toronto saw record-breaking increases in home prices in 2021 but things are looking a bit different for 2022. Toronto's real estate market put home...

Travel outside of Canada seems like a risky proposition these days and for those who want to visit places closer to home, the Ontario Staycation Tax Credit just started Jan. 1.

Basically, it gives Ontario residents a 20 per cent personal income tax credit for 2022 accommodation expenses (up to $1,000 for an individual and $2,000 for a family).

Click below to learn more!

Ontario's staycation tax credit just went into effect and here's what that means Travel outside of Canada seems like a risky proposition these days and for those who want to visit places closer to home, the Ontario Staycation Ta...

As we enter the new year, what should we expect from housing and interest rates? While home price growth is expected to moderate in 2022, low supply is still expected to keep upward pressure on prices for much of the new year, according to various forecasts summarized below. What are your predictions for 2022?

2022 Housing and Interest Rate Forecasts - Mortgage Rates & Mortgage Broker News in Canada For the second straight year—and in the face of an ongoing pandemic—the Canadian real estate market has continued to defy gravity.

Creating wealth is rarely about doing one big thing right; it is more often about doing a lot of little things right.

Click here for a list of monthly goals that you can tackle in the new year if you want to work on improving your financial status.

Pattie Lovett-Reid: Your financial action plan for 2022 CTV's chief financial commentator Pattie Lovett-Reid discusses how to improve your financial situation in the new year.

Merry Christmas to those celebrating today!

Here are some tips to help you think before you buy this holiday season and avoid some serious debt hangover in January.

How to avoid a debt hangover after the holiday spending season Sometimes a 'sale' only results in spending more instead of saving money