RE-MORTGAGE Why would you re-mortgage? Re-mortgaging can help you qualify for a better interest rate, or release equity for purposes such as debt consolidation or home improvements. Is re-mortgaging a good idea? Re-mortgaging can be an effective way to save money on your monthly mortgage…

MOVING HOME How will lenders assess what you can afford? Most lenders will use an income multiple of 4 – 4.5 times your annual salary and a few will use 6 times your annual salary, under the right circumstances. What happens when you port a…

FIRST TIME BUYER Who is considered a first time buyer? If you’ve never owned a property, you would be considered a first time buyer. You would also qualify if you have not owned a property within a 3 year period. How much of a deposit…