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Pat Sawler
902-465-5533
HALIFAX OFFICE:
1959 Upper Water Street
Suite 1301
Halifax, NS B3J 3N2
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7404 King George Blvd
Suite 200
Surrey, British Columbia, V3W 1N6
Nova Scotia Brokerage 2021-3000179
Broker 2021-3000180
New Year New You, or Same Old Story?
Happy New Year, I hope 2015 was a great one for you and that 2016 will be even better. What are your plans for improving your life in 2016? Or are just content in just doing the same old thing day after day and getting the same results? You know that’s the definition of insanity […]
Get off the treadmill, you’re not a hamster
As the year is winding down, I have been thinking of what I have accomplished this year. What I worked on and did not finish, and what I just did not get around to doing at all. How did you do with your scorecard? Sadly if you are like most, you may not even of […]
The 5 C’s of credit and how they impact your buying decision.
You have scrimped and saved and with the help of your Realtor you have picked out your house. Now comes the fun part, getting you approved for your mortgage. With the help from a experienced mortgage broker, you will be able to put your best foot forward and get approved for your purchase. This involves […]
All you wanted to know about mortgages but were afraid to ask, part I
Not that it’s keeping you up at night, but I thought you should know To some the idea of financing your first home may be daunting. Really it shouldn’t be. It’s just that the banks and other brokers or lenders may use finance terms that you don’t know what the heck they mean. Downpayment: This […]
How to buy a house with none of your own money
More commonly referred to as creative down payment options. Did you know that you can still buy a house in 2015 with no down payment (of your own money), cause sadly the days are gone where the zero down payment was available. So here are all the options including the one where you have spilled blood, […]
Ma & Pa say it’s time to move out
Also known as yes you can afford your own place. They think you’re ready, your significant other thinks your ready, heck even the family dog thinks your ready. Here is why they know that. 1) You have a good job and are getting a steady pay check. 2) You have credit established and pay all your […]
Getting with the times
I know that it has been a very long time since I have last written a blog article. I have no excuse other than “stuff” got in the way. Anyway I am back with a new and improved website thanks to my good friends at Kim Squared. Please take a tour and let me know […]
First Time Home Buyer
Should you grow your nest egg or pay off your mortgage?
Sometimes the question arises that what is best option between growing on investment and paying off mortgage. Here I would like to suggest that one should take his own financial decision as per his or her circumstance. But, I will put my opinion in my own way as I see that staying out of debt has potential […]
Demystifying the 5 year fixed rate mortgage
If this title alone does not get you I don’t know what will. Most people opt for the 5 year fixed rate mortgage because of the security of knowing what your payment will be from month to month over the next 5 years. However how do you know if you got the best 5 year […]
5 Ways to Avoid a Personal Financial Crisis
Here are some tips on what you should do to avoid a personal financial crisis: 1) Have an emergency slush fund You should have at least 3 months of living expenses put away in case the worst happens. I am not talking about putting it in your mattress or in a coffee can. These funds […]
Make a difference
Earlier this week I received a story in my e-mail that I want to share with you. I made a difference to that one… A man was walking on the beach and ran into a little boy throwing starfish into the ocean. When the man asked the little boy what he was doing, the little […]
Economic stats for March 2011
Bank of Canada Interest Rate January 18, 2011 1.00 % March 1, 2011 1.00 % April 12, 2011 Next meeting date Bank Prime Lending Rate January 19, 2011 3.00 % March 2, 2011 3.00 % April 13, 2011 Next meeting date Conventional Mortgage – 5 Year Rate* January 19, 2011 5.19 % February 9, 2011 […]
To break or not to break?
Well that is the question. Wondering whether to break your current mortgage to take advantage of the lower rates that are currently offered. Well here is an example that you can apply to your situation to see if now is a good time to take advantage of the lower rates. Interest Rate Differentials (IRD) Often […]
Rate decision
Bank of Canada leaves key rate unchanged Malcolm Morrison, The Canadian Press The Canadian dollar gave up early gains and moved lower after the Bank of Canada’s announced it was leaving interest rates unchanged and warned of the negative effects of a rising currency. The loonie was 0.12 of a cent lower to 102.82 cents […]