Screen time

Screentime

Each Sunday morning my iPhone gives me a report telling me how much time I’ve spent staring at my phone. Last Sunday it came up that I was spending on average 4 hours a day. Now that blew me away as I though that I being fairly productive with my time. Since then I have made a concerted effort not to waste time on my phone and to use it only when necessary. So when the report came up this morning saying that I’ve reduced my Screentime by 80% I was very pleased.

Weather you are rich or poor, young or old we all have only 86,400 seconds in a day. Once spent you will never get them back, so spend them wisely. Even though most people treat money as a finite resource, it really isn’t as you can always … Read more

Don't loose your top

Game of Patience

Today’s hot real estate market is not for the faint of heart. Not for buyer, Realtor’s or us Brokers. If anything it requires a game of patience. It is now almost commonplace for listings to receive multiple offers and end up selling for much higher than the listing price.

People who are pre approved at 500K have to start house hunting around the 375K mark if they hope to be the successful bidder on the property. Also if the broker or mortgage specialist was smart that would mean that they are pre approved at the maximum amount so putting in an offer at 515K is not going to be approved.

Once becoming the successful bidder now the real work begins for us brokers. Yes we do underwrite up front and our clients all have pre approvals before starting shopping but … Read more

Tech Support

Tech Support

Just a quick shout out to all the hero’s working in tech support. While most of us are now working at home, tech support has been a life saver from time to time. Just got off the line with my expert to fix my VOIP business line. Upgraded my soft phone which runs on my laptop last night and it decided it didn’t want to work. Since I spend the majority of my day on the phone with clients, banks and referral sources, having no office line would make for a very unproductive day.

Just like Trevor was there to help me with my tech issues today, if you feel like you need “tech support” for your mortgage then please give me a call as I would love to help you now that my phone is working.

I look forward … Read more

Hard at work

Hard at work

Financing your dream home or refinancing your current home is important work. Let me work hard for you.

I look forward to hearing from you in regard to your mortgage needs.

Cheers,

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia, Ontario(M18001555) & in British Columbia(BCFSA #504098).… Read more

Hardworker

I am that guy

I don’t go out drinking with the boys, or play a round of golf a week, or take two hour lunches or even take two week vacations. 9 times out of 10 if you call you will get me unless I am talking on the other line. My job is to get your mortgage approved, sleep, eat, workout early but that’s it.

I look forward to hearing from you in regard to your mortgage needs.

Cheers,

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia, Ontario(M18001555) & in British Columbia(BCFSA #504098).

Read more

Kaizen

We could all use a little more Kaizen in our lives

In case you are not familiar with the term, Kaizen stems from the Sino-Japanese word for Improvement or change for the better. This is a concept referring to activities that lead to constant and continuous improvement. This has been applied in many area’s from manufacturing, logistics, healthcare, psychotherapy , personal development coaching, government and banking.

This ironic thing is that American business consultants brought this concept to Japan after the second world war. The magic of this was instead of focusing on large scale changes to processes, it instead talked about implementing small improvements that could be done right away. Toyota adopted this as part of their manufacturing process and yielded large results in terms of their productivity and their quality of products. So much so that by the 90’s rolled around they had over taken GM, Ford and Chrysler … Read more

it's all the little things

it’s all the little things

Sure we all have big gigantic goals that we want to accomplish, but it is not every day that we can knock those big goals off our to do lists. By taking care of the small stuff will help us move in the right direction to achieve the big goals.

Want to loose 50lbs, start by not missing a workout or continuing to eat right. The same goes for saving for a down payment, put 10% of your paycheque into an account that you can’t touch with your debit card, make your coffee at home and cut down on eating out and you will get there in no time at all.

Be consistent with the little things and the larger goals will happen faster than you could possibly imagine. Baring winning the lottery or the discovery of a magic pill, … Read more

Sunday Runday!

Sunday Runday!

For as long as I can remember my Sunday tradition has been to strap on the trainers and go for a nice long run. I know lots of people exercise with the intention of getting into better shape. However for me it has alway been a passion and an outlet to let off my steam and help me forget about what else may be happening in my life. The fitness aspect has just been a great side effect.

What do you do to help you deal the stress in your life? Some great ideas are but not limited to, going for a walk, meditation, weight training, cycling, skiing, reading, cooking or as I have shared, one of my favourites which is running.

We all need an outlet to help us let go whatever may be stressful in our lives. There … Read more

Do your little happy dance

Happy Dance!

When things start to go well, no matter how small, you need to take some time and do a little “Happy Dance”. Celebrate the victories along your path to much larger successes. This is what living is all about. It’s not about the destination of some way off big goal, it is about enjoying the process along the way.

Have an excellent Saturday.

I look forward to hearing from you in regard to your mortgage needs.

Cheers,

Patrick

p.s- You can click on this link to start the process whenever you are ready. Schedule your meeting with me here.

p.s.s- I should tell you that I am licensed in Nova Scotia, Ontario(M18001555) & in British Columbia(BCFSA #504098).… Read more

Stress Test Changes

Stress Test Changes Ahead

Well not really surprisingly, yesterday the Office of the Superintendent of Financial Institutions (OSFI) proposed changes to the mortgage stress test in an attempt to cool the hot housing market. While theses proposed changes would only effect those putting down 20% or more, they are totally the incorrect approach to dealing with the hot housing market. It is true that almost every market across Canada is experiencing high demand, this is not due to speculation this is because of a lack of supply that is driving up prices.

Think about it we have had several years prior to the pandemic of record levels of immigration. As well as the past year with people working remotely with nowhere to spend their money as they can’t travel nor eat out so they are sitting on record levels of savings. So what are … Read more