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Blog

Skyscrapers with the text Commercial Mortgages

Commercial mortgage priorities

February 1, 2022

So you have finalized your plans, gotten all your quotes, applied for your permits and have hired a general contractor for your new commercial construction project. Next on your list is to secure your financing so construction can start. Now while you have owned several homes and a few small residential rental properties, this is […]

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Professionals standing around a giant smartphone screen

Referable

January 26, 2022

The goal of any service based business is to cross the tipping point of huge outlays of time and capital in marketing and instead receive the bulk of new business through referrals. In order to accomplish this you must treat each and every client like your one and only client and work to not only […]

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Private Sales

January 25, 2022

We are currently in the midst of an intense seller’s market. As a result some home owners are resorting to selling their homes privately in an attempt to avoid paying realtor’s fees. However if you are considering this, there are a few things you should know. Realtors may not show your home to their buyers. […]

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HIGH TECH in metallic silver letters

High Tech

January 21, 2022

There have been a lot of changes to the brokering business in the 20 years since I have been doing it. When I started in 2002 all client meetings were done in person, all applications were done on paper, all documents were collected on paper and faxed to respective lenders and client data bases were […]

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Should I refinance

Should I refinance?

January 11, 2022

After looking at your Christmas bills you may be wondering if it is a good idea to refinance your mortgage. Below are a few things to consider to help you to properly make your decision. Will it lower my over all payments? It’s best to look at everything you may want to include in your […]

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Flex Down

Flex Down

January 7, 2022

For those who don’t know there are other options to securing your down payment to buy your first home. Sure you can pinch pennies and save your hard earned cash. You can also receive it as a gift from your blood relatives ( mother, father, sister, brother) or incase you don’t know you can borrow […]

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Setting Records

Setting Records

December 23, 2021

We are setting records all across the country lately. However these seem to be more of the unfortunate records than the ones we can be proud of accomplishing. Records are being set daily now for the amount of Covid-19 cases we are seeing. Records levels of hospitalizations and record levels of restrictions. Towards real estate […]

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Spider-Man in his red and black suit

No Way Home

December 17, 2021

First off I have to admit that I am a huge geek or nerd or whatever you call us who love sci-fi and superhero movies. I am extremely lucky as my wife also likes them as well. We went to see the new Spiderman No Way Home last night, yes fully masked and distanced. No […]

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Happy Clients

Happy Clients

December 3, 2021

Happy Clients is what drives any successful business. Focusing on the commission may only get you one single transaction, but focusing on exceeding your clients expectations will bring you many many more. Sure the commissions are good in this line of work, but I prefer to focus on building relationships and exceeding expectations. There are […]

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RATES in bold red capital letters

The rate game

November 28, 2021

When the first thing that you talk about with clients is rate, then you have just limited yourself to being a rate broker. I told another broker on our national facebook group that if you do this you have to be prepared to live by the sword and die by the sword. Actually rate will […]

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Road sign reading next exit and RISK MITIGATION

Mitigate your risk

November 27, 2021

With all the talk about possible impending interest rate increases in the new year, there is still a way to have your cake and eat it too. As it stands today lender are still offering deep discounts on variable rates. For example a AAA client purchasing and putting down less than 20% may get access […]

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Two women sitting on tall barstools

Meeting Request

November 26, 2021

Earlier this week on the regular mortgage mastermind group that I attend with Dustan Woodhouse. He asked the group what are you doing different now vs prior to the pandemic. The most common response was that we are not doing any more face to face meetings. 20 years ago when I started it was the […]

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Just Google It!

Google it

November 25, 2021

If you don’t know something you Google it. Yes the company with the same name has also become a verb describing the action of searching for information online. If you want to learn how to cook, you Google it. The same for working out, learning a new language, buying insurance, buying a new home or […]

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KNOW YOUR NUMBERS

Know your numbers

November 23, 2021

When buying a property which is often your single largest invesment in your life, it’s a good idea to know your numbers backwards and forwards. In this article I am going to talk about deposit on purchase. Deposits are required on purchase & sale agreements when you become the successful bidder on the property. It […]

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A couple examining a wall while holding paintbrush

Fixer Upper

November 17, 2021

In more normal real estate markets, people would look at several homes and then buy the one that was perfect for them. Show up on the day after it closed with all their suff and carry on with their lives. In today’s real estate market with next to no inventory, people are bidding on the […]

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Pat Sawler
(902) 465-5533
Halifax Office:
1959 Upper Water Street
Suite 1301 Halifax, NS B3J 3N2
229 Yonge St, Suite 400,
Toronto, ON M5B 1N9
Nova Scotia Brokerage: 2025-3000179
Broker: 2025-3000180
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