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My Rates

6 Months 3.10%
1 Year 2.34%
2 Years 2.14%
3 Years 2.44%
4 Years 2.44%
5 Years 2.54%
7 Years 3.19%
10 Years 3.69%
*Rates subject to change and OAC
Charlene Demchuck-Nelson Mortgage Associate

Charlene Demchuck-Nelson

Mortgage Associate


Phone:
Address:
PO Box 73107 RPO Woodbine, Calgary, Alberta

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Having access to multiple lenders and related financial organizations allows me greater leverage to negotiate a wide array of mortgage products, rates, terms and conditions with financial institutions across the country. For my customers this means great value in rates, terms and conditions for their specific mortgage needs. This could result in many thousands of dollars in savings through the years of home ownership.

As an Mortgage Associate, I will meet your needs at the highest level of service you deserve, to eliminate the time of shopping and negotiate the right mortgage for YOU to suit your individual needs. Whether you are a first time or repeat home buyer, wanting to renew or refinance your existing mortgage, self-employed, new to Canada, looking for a larger home, Vacation Property, considering a debt consolidation, Renovating, Investing or are credit challenged, I am dedicated to determine your specific mortgage financing needs. I will counsel you on credit and mortgage qualifications.

 


BLOG / NEWS Updates

Easy ways to keep more money in your pocket

It goes without saying that most of us would appreciate a little more money in our pockets. Believe it or not, its actually an achievable goal. In fact, a few simple tips can help you uncover meaningful savings each and every month. Need some ideas? Heres a little inspiration to get you started: 1. Pack food from home for lunches and snacks. Skip sandwich bags and opt for reusable containers, cutlery and drink bottle. 2. Switch light bulbs to CFLs. On average, it costs $250 a year in energy costs to light your home with incandescents. Save $150 by going with CFLs. Theyre more expensive initially, but will last 10 times longer. 3. Review and negotiate your service plansphone, internet, cable and television content. 4. Invest in topping up your insulation. Attic insulation can settle and compact over time, diminishing its original R-value and increasing heating/cooling costs. Topping it up with a quality batt insulation, like Roxul Comfortbatt, will immediately help improve the comfort of your home and reduce your monthly energy bills. 5. Pay off credit card debt and swap cards for lower interest rate options. 6. Install low-flow water fixtures to cut down on excess water consumption. 7. Lower your thermostat by two degrees in cold weather and increase it by two degrees in warmer weather. 8. Launder your clothes in cold water and at off-peak times. 9. Avoid impulse shopping. Stick to your list and avoid window shopping, which tends to draw buyers in. 10. Save money on entertainment by looking for free activities. For options in your area, try a simple internet search. You might be pleasantly surprised at the wide variety of activities and entertainment available for no or low cost. Collectively employing the tips above could potentially add up to thousands in annual savings, proving that sometimes change can be a good thing. www.newscanada.com

Bank of Canada increases overnight rate target to 1 per cent

The Bank of Canada is raising its target for the overnight rate to 1 per cent. The Bank Rate is correspondingly 1 1/4 per cent and the deposit rate is 3/4 per cent. Recent economic data have been stronger than expected, supporting the Banks view that growth in Canada is becoming more broadly-based and self-sustaining. Consumer spending remains robust, underpinned by continued solid employment and income growth. There has also been more widespread strength in business investment and in exports. Meanwhile, the housing sector appears to be cooling in some markets in response to recent changes in tax and housing finance policies. The Bank continues to expect a moderation in the pace of economic growth in the second half of 2017, for the reasons described in the July Monetary Policy Report (MPR), but the level of GDP is now higher than the Bank had expected. The global economic expansion is becoming more synchronous, as anticipated in July, with stronger-than-expected indicators of growth, including higher industrial commodity prices. However, significant geopolitical risks and uncertainties around international trade and fiscal policies remain, leading to a weaker US dollar against many major currencies. In this context, the Canadian dollar has appreciated, also reflecting the relative strength of Canadas economy. While inflation remains below the 2 per cent target, it has evolved largely as expected in July. There has been a slight increase in both total CPI and the Banks core measures of inflation, consistent with the dissipating negative impact of temporary price shocks and the absorption of economic slack. Nonetheless, there remains some excess capacity in Canadas labour market, and wage and price pressures are still more subdued than historical relationships would suggest, as observed in some other advanced economies.

MY LENDERS

TD Bank Scotia Bank First National B2B Bank Home Trust
MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Bank ICICI Bank Fisgard Capital  RMG Mortgages Street Capital