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Blog

5 Year Fixed Mortgage Rates

The Rate Game!

March 6, 2021

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) […]

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Be helpful, kind and loving to each other

We are all connected

March 5, 2021

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 […]

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Zoho Products

My business runs on Zoho

March 4, 2021

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 […]

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Always have another plan

Plan B!

March 3, 2021

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 […]

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24 Hour Service

24 Hour Service!

February 28, 2021

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 […]

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Average Mortgage Lifespan

38 Months in

February 26, 2021

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. […]

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Variable Rate Mortgages

Fix your Variable

February 25, 2021

Most people like the fixed mortgages for peace of mind it gives them knowing that their payments will be the same every month. Those who go variable or adjustable rate mortgage like that they paying less than those on fixed rates 9 times out of 10. However there is a way to give you both […]

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Answer the tough questions

Dig deep!

February 24, 2021

We do all the heavy lifting up front so the process can be as smooth as possible

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Mortgage Rate changes

#TuesdayVibe

February 23, 2021

Well after several months of mortgage rates going down, they turned the corner and started going back up yesterday. As fixed mortgages are tied to bond yields, they hit a 10 month high on Monday with the 5 year bond closing at 0.67% forcing lenders to pass the increase on to borrowers. The bond yields […]

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Plan your week

Plan Ahead!

February 21, 2021

As the common expression goes ” If you fail to plan, then you plan to fail”. Since today is Sunday, it is the day the highly organized plan for their upcoming week. Athletes that I know call this meal prep Sunday where they prepare the meals for the upcoming week so it’s just one less […]

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Mindset of improvement

Work in progress

February 20, 2021

Let’s face it, we are all in some way or another a work in progress. Always striving to improve and better ourselves. We want to be in better shape, make more money, have a better relationship, get out of debt, learn a second language, travel the world or better yet learn more and faster. If […]

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Different Mortgage Rates and Programs

Take your pick!

February 19, 2021

The worst kinds of calls to get as a mortgage broker is when someone calls and asks for your best 5 year fixed rate. My answer typically is that it depends. Although I know what the rock bottom 5 year fixed rate is for that particular day, there is no guarantee that is what they […]

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Be the best that you can be

Just good enough is NOT good enough!

February 18, 2021

Sure just getting a passing grade will probably mean that you will graduate high school but just scraping by is not a recipe for success in life. I am sure there are many careers for you if you just want to put in your time, get a pay check and drink with your buddies. You […]

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Look ahead and move forward

One of “Those” Days!

February 17, 2021

Let’s face it we all have one of those days where we just have to put on our big boy or big girl pants and put one foot in front of the other and just keep moving forward. It happens to the best of us. Just know that I am right there with you. Together […]

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Buying or Selling

It’s all either marketing or sales

February 16, 2021

If you really think about it, everything you do is either marketing or sales. If you are married, you have made a sale. If you are single and on a dating platform then you’re marketing. If you employed for someone else then you have made a sale to get hired. If you are self employed […]

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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
Ontario license number: M23006699

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