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Get your affairs in order, your debts that is

Ides Of March

March 15, 2021

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 […]

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Congratulations you're approved

10 Things NOT to do once your financing is approved.

March 12, 2021

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 […]

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Don't make subject free offer's

Subject free offer’s

March 11, 2021

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. […]

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Mortgage Rates and why to go Variable

Peaks and Valleys

March 10, 2021

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 […]

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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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Pat Sawler
(902) 465-5533
Halifax Office:
1959 Upper Water Street
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229 Yonge St, Suite 400,
Toronto, ON M5B 1N9
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