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).
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 are tons of bad ones which I won’t list here, try to find one that helps you clear your head and helps you move in a positive direction. If it’s running maybe we may cross paths some day out on a run.
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).
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).
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 people doing is that they are looking to purchase real estate or move up from their current home.
The challenge is the housing supply has not really changed. It is still taking developers extraordinarily long time to get their projects started, yet now we have more people in the market looking for a place to call home. So the knee jerk reaction is to the move the stress test from 4.79 to 5.25%. Yes they may slow things temporarily but it does noting to address the actual cause of the problem which is a lack of supply. As soon as that is addressed and that will take years, my advice to you is keep saving up and be patient.
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).
Like most service based businesses the lifeblood or our business is referrals. Whether that be from past clients or industry partners like Realtors or Financial Planners. We do not pay for referrals. We do however work to ensure that their financing transaction with us is smoothest and stress free as possible.
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).
What is a “Mortgage Emergency”? Well the easiest way to describe it is when a mortgage request lands on your desk after having been declined with other brokers or lenders and they have a very tight deadline to get the file completed. While it is still possible to get these files completed, my preference is to avoid having “Mortgage Emergencies” at all.
This is how I do it. I require a full and complete document package upfront and upon submission of your file. This way it can be completely reviewed prior to submission and any potential issues can be addressed prior to sending your documents to the lender. You see we live in a stressful enough world we don’t necessarily need any more stress around what is commonly your biggest lifetime purchase or transaction. When we work together I set the expectation up front that my goal is to have your file broker complete one month prior to your closing date.
Problems invariably arise when documents are submitted too close to the closing date which could trigger your file to being subject to a more thorough internal bank audit. Make it easier on your self and everyone involved in your financing transaction by getting your documents together in a quick and timely manner.
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).
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 not the best way to go.
If you want the smoothest experience as possible it’s always best to plan ahead. That is the same way that I approach getting your financing for your property in order. For most of us this is the single biggest financial transaction in our lives. Wouldn’t you rater that it be as stress free as it can be for all involved.
The way that we do this is to work with you and gather all the pertinent documents upfront and then thoroughly review them prior to submitting them to the prospective lender. Thus allowing for your financing to get approved as quickly as possible so then you can focus on the other important things in your life.
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).
Shack Happy, Cabin Fever or whatever you want to call it you’re feeling cranky from being stuck inside with the same people for way too long. March Break is almost over, just be thankful that it didn’t last as long as the March Break that never ended in 2020. Now that the weather is finally starting to warm up and Spring 2021 is officially here today, to put yourself in a better mood go for a walk or better yet a run. Change your surrounding and just get out and move your body for at least 30 minutes. It will do yourself some good as well it will be beneficial for those you live with.
If you in fact desire to change where you live, please touch base with me so I can work to get you pre approved so you can be well on your way to your next property.
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).
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 wouldn’t want the doctor who barely passed med school to operate on you. The lawyer who squeaked by the bar exam to represent you in court. The accountant did the minimum requirements for their CA designation to prevent you from getting audited.
Let’s face it if you have a tooth ache you don’t try to do your own dental work. We all know what it looks like if you cut your own hair ( for those lucky few who still have lots of hair). There are many back yard mechanics out there but I wouldn’t go to them if my vehicle needed serious repairs.
The same applies to your mortgage. It’s because there are lots of brokers and lenders out there that you need to work with someone who will help you sort through it all and find the best product that meets your particular needs. Be aware that shopping for rate alone may come back to haunt you when you find out your lender doesn’t have a portability clause, or calculates your penalty on posted rates or that your mortgage is locked in and closed and you can only break it with the power of sale.
“We are what we repeatedly do. Excellence then, is not an act, but a habit” Will Durant 1926 ( Sorry not Aristotle folks)
I look forward to hearing from you in regards to your mortgage needs.
Pat
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).
Many of us want to make massive improvements in our lives. Weather it’s getting in shape, making or saving more money or improving your relationships. Sometimes you think that the prospect of acheiving those goals is too monumental. You could be right if you are tying to do it all at once. Remember the expression ” Rome wasn’t built in a day”, and neither were you.
However what if you break it down and start small. Start by just focusing on improving 1% better today and doing another 1% tomorrow.
So if it is 1 push up today, it’s 2 tomorrow.
5 min walk today, then increase that by another 1% tomorrow. Then soon you will be jogging and eventually running if that is your goal.
Want to ready more books this year, start by reading 1 page a day. Soon you will be finishing books in no time at all.
Drowning in debt, start by making more than the minimum payments on one debt. Once that is paid off then put that money towards the next one, and the next one till you are paid off.
Want to buy your first place, start by putting money aside for the down payment. A little bit at a time plus the power of compound interest and you will get there quickly.
Small and simple actions repeated every day lead to big results. That 1% improvement today, is 100% improvement after 100 days. Start small, and you can do this.
I look forward to hearing from you in regards to your mortgage needs.
Pat
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).
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