ClearHome

How does it feel, like just another day? Your mortgage is down; your net worth is up; what else can we ask for?

Well, how about some more mortgage tips that help you get the most out of your upcoming renewal?

5 Mortgage Tips For When Your Mortgage is Up for Renewal! How does it feel, like just another day? Your mortgage is down; your net worth is up; what else can we ask for? Well, how about some more mortgag

RRSP and TFSA eligible, 8-12% returns, secured against real estate! No wonder private mortgage lending is becoming a popular investment option in Canada! It's worth a conversation, message me today, and I would be happy to talk more about it with you!

Choose safer investments to help build certainty in your portfolio. Inflation is on the rise, and with the stock market bouncing up and down, I am sure like most everyone else, I can't help but wonder what's next?

Don’t worry, you don’t have to take an accounting class to learn how to figure out your net worth; it’s a simple calculation:

Assets – Liabilities = Net Worth

It's worth the effort, and you may even be positively surprised by the result!

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4424

While we are all in lockdown, it’s a great time to take stock of where you stand and the steps you can take to prepare yourself for whatever comes your way.

Check out the top ways you can take control of your financial life while in COVID-19 lockdown.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4424

No matter what happens, life is going to be different post-coronavirus, and the more prepared you are, the better off you’ll be.

Use this time that we are in quarantine to assess your current spending and get truly honest with yourself and your finances.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4421

COVID-19 has us all wondering what will happen to our investments?

Now is the time to consider safer investments – not to pull out of the market entirely, but rethink your strategy, review alternate options, and yes, even take some action.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4417

Knowing your net worth is empowering even if it seems scary. It lets you see where you need to make changes and honestly, now is the best time to start. Prepare yourself for anything that may come your way during this time in quarantine.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4415

No one can predict what the aftermath of COVID-19 is going to look like. We hope that all businesses make it, but in all reality, that may not happen.

If you are worried about losing your job, it’s almost imperative that you do this now because you won’t be able to qualify for a refinance without a job and that could leave you in even more financial distress later.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4413

Any Canadian who has ceased working for a 14-day period due to COVID-19 is eligible for the Canada Emergency Response Benefit.
That includes wage earners, contract workers, or self-employed individuals; those who've had to stay home without pay to self-isolate or care for loved ones; and anyone else who hasn't been permanently laid off but has stopped receiving paycheques.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4410

Need some help understanding your options for your mortgage during the COVID-19 emergency. Just give me a call, sometimes a short call can clear up everything!

I am getting lots of calls, but leave a message and I will get back to you as fast as I can.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4372

All provinces are moving towards taking evictions off the table during COVID-19 emergency.

Saskatchewan, Ontario, Manitoba and BC have made it official.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4396

Lots of work has been done to protect Canadian homeowners, but the support provided is deferring payments and adding interest to the mortgage.

Homeowners are not getting a free ride; they still are required to maintain their current amortization and may face increased payments after the deferral period as a result.

Skipping a mortgage payment is not like erasing it; it still needs to be paid to the bank, just at a later time.

I am not sure what a renter is going to do, this needs to be dealt with quickly, and with both the landlord and the tenant's issues in mind.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4390

I know COVID-19 is dominating social media, but we are in real-time feeling our past financial decision hunting us, or helping us.

Nows not the time to panic, but it may be the time to get serious. Where do we stand on risk, how much savings do we have, how much debt are we carrying? Simple questions, with some hard decisions, please make them wisely, and free from panic.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4378

Beware aware of COVID-19 SCAMMERS.

Please share this information with your friends, family and loved ones. I can't believe I even have to post this.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4373

Will this interest rate cut help me?

Is there any help available for my mortgage payment during COVID-19 pandemic?

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4365

No one expected this so quickly, but here it is, a massive rate drop by the Bank fo Canada!

I will review the impact of this over the weekend and early next and provide you with some more commentary, once the shock wears off.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4360

Even as of March 13/20 the Public Health Agency of Canada, is stating that the likelihood of an Outbreak in Canada is low, however, Canadians still need to be vigilant in ensuring we are combating the spread of this disease.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4357

Are you looking at buying a condo? Do you have pets? If you answered 'yes' to both questions, make sure you research the condo corporation's by-laws before submitting your offer to make sure your furry family member is welcome.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=1802

While saving for a deposit for a new home, it's nice to have a little extra money coming in. Here are few things to consider while thinking about a side hustle.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4351

Just a beautiful quote to start the week!

It's not the amount of SPACE in a HOME that MATTERS; it's the amount of LOVE in it!

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=3584

Starting small is key to crafting a sustainable savings plan — once that's in place, you can always build up from there.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4325

Banks have already started lowering their variable rate.

A .5% cut to the rate of $450,000 mortgage would equal about $115 per month in savings.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4335

Alarms sounded around the world on COVID-19 have the Bank of Canada taking action lowering the overnight target rate to prepare for potential financial consequences of the virus.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4330

Are you thinking of buying a home this Spring? Here are six advantages of getting pre-approved now before you start shopping.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=965

Finding the perfect home can be hard, but finding the right home and then renovating to make it perfect is way easier.

Most home-purchase transactions only give you 3-4 days to get your mortgage financing in place, and this is not enough time to arrange/plan a renovation with an unprepared team.

Being pre-approved early gives you the time to prepare your team to be ready to jump into action when you find your "soon to be perfect" home.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=965

Getting pre-approved for a Mortgage will make the process smoother. Pre-approval sets your budget and locks in your rate. Be patient and start the process early so you can make the best decisions.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=965

Are you thinking of buying a home this Spring? Here are six advantages of getting pre-approved now before you start shopping.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=965

If you're looking to buy a home, getting a mortgage pre-approval will make the process smoother, as well as help you develop a realistic budget and plan for one of the most significant purchases of your life.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=965

Friday Funny

Why did the house go to the Doctor?

Because it had a window pain!

Canada Mortgage and Housing Corp. announces it has downgraded the vulnerability of several cities in the Prairies while overall Canada's housing market remains moderately vulnerable.

Learn more by reading my new blog post: https://www.clearhome.ca/links/?b=DarryllEsch&l=4287