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Pat Sawler
902-465-5533
HALIFAX OFFICE:
1959 Upper Water Street
Suite 1301
Halifax, NS B3J 3N2
SURREY OFFICE:
7404 King George Blvd
Suite 200
Surrey, British Columbia, V3W 1N6
Nova Scotia Brokerage 2021-3000179
Broker 2021-3000180
Got time to chat?
As much as mortgages are about numbers, debt service ratios, pre approval amount and interest rates, they are at the end of the day a people business. If you have any questions about your mortgage whether I did it or not, feel free to give me a call and I would be more than happy […]
Real Estate Bubble???
We are in the midst of a crazy real estate market from coast to coast here in Canada. Properties are selling very quickly and in some cases there are multiple offers and they are selling not for thousands of dollars over list but hundreds of thousands of dollars over the listing price. Here in Nova […]
Don’t put all your eggs in one basket
Warren Buffett is famous for saying this in regards to your investments, as it opens you up to greater risk. However I want to also tell you that it applies to your banking relationships as well. We have some great banking institutions here in Canada. There are lots of great options for your personal banking, […]
All your ducks in a row
When you leave for a vacation do you scramble around the morning of your departure cramming suitcases and trying to think if you have everything and then invariably arrive late to the airport and almost miss your flight. I am sure there are some of you that do that but I assure you that is […]
30 Days out
For those who have received an email from me, you know that the tag line of my email is ” An easy, stress-free mortgage process tailored to meet your unique needs. Guaranteed!” Not every broker in the mortgage industry can say a statement like that, and do you know why I put it out there? […]
Ides Of March
Unless you are Julius Caesar you have nothing to fear about the Ides of March. Before Brutus and Cassius made March 15th infamous it was notable for several Roman religious observances. Notable of which was the feast of Anna Perenna the goddess of the year, which people commonly gathered for picnic’s, drinking and revelry. However […]
10 Things NOT to do once your financing is approved.
Congratulations you have just been approved for a mortgage on the new home that you are buying. You went through all the steps with your banker or broker and now all you can do is wait till you pick up your keys on the closing day in a few weeks. You may think that just […]
Subject free offer’s
This is when you write an offer to buy a property without any conditions. So there would be no financing condition, no property inspection and no subject removal period. Once accepted by the vendor ( the seller) it’s a done deal. Well at least in your mind and the sellers mind it’s a done deal. […]
Peaks and Valleys
There are seasons to the year just like there are peaks and valleys to your life. If you are like many where the last year with the pandemic was challenging for you both personally as well as financially then you should now be starting to pick up steam and make improvements to many areas of […]
The Rate Game!
Over the last few weeks the rates on five year fixed mortgage have steadily risen as the corresponding bond yields have also increased. This all has to do with recent concerns with inflation or better yet a game of cat and mouse between bond traders and the FOMC ( Federal Reserve’s Federal Open Market Committee) […]
We are all connected
Whether you believe it or not, we are all in this together so it works best for each of us if we help each other out. I know that we are all fighting internal battles that nobody really knows anything about. However you have to realize that you are probably not the first in your […]
My business runs on Zoho
While using a web-surfing tool called Stumbleupon about 12 years ago, I landed on a page about Zoho and it’s products. I had been searching for a great CRM for my business and all the competitors that I had found were much more expensive and not as user friendly. So here is a run-down of […]
Plan B!
Sometimes our best made plans go astray. Things don’t always turn out as you have planned so you need to be prepared with alternative solutions to help you reach your goals. Planned to go to Florida for vacation but could not get a flight, but still intend on going so look at other options to […]
24 Hour Service!
You have to admit that we live in a busy non-stop world. As long as you have internet service you can shop on-line 24 hours a day, stream the latest tv show, movie, do general banking or in most cases get tech support if you needed it. However our modern connected world does have it’s […]
38 Months in
Doesn’t mean anything to you? Well it should if you are planning on signing a 5 year fixed mortgage rate in the near future. 38 months is the average when people break their five year fixed mortgages. They could be broken for any number of reasons, marriage, divorce, job loss, job transfer or big promotion. […]