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AGENT LICENSE ID
10733
BROKERAGE LICENSE ID
10733
Megan  Carey Mortgage Broker

Megan Carey

Mortgage Broker


Address:
654 Upper James St., Hamilton, Ontario

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At Personal Choice Mortgage Services Inc., mortgage financing is our business – it's our only business. 

If you are looking to purchase or refinance, if you wish to switch your current mortgage or want to be pre-qualified to buy a home, Personal Choice Mortgage Services and its expert team of mortgage agents will help you achieve this! It's what we do. 

As a mortgage brokerage firm, not only is it our responsibility to shop for the best rates, which we will endeavour to do, but it is just as important to find the best mortgage product that suits you and your long term financing needs. We will strive to create a client-for-life relationship. This not only includes your repeat business, but your much appreciated referral business. We can only do this by providing superior service that does not stop on your mortgage closing date! 

You will find detailed information on this site that will assist and guide you every step of the way. Please take the time to find out more about us, use the tools available to better understand the procedure, and use our on-line applications to speed up the process.


BLOG / NEWS Updates

Canadian home sales edge up again in October

According to statistics released by The Canadian Real Estate Association (CREA), national home sales posted a modest monthly increase in October but remain below levels recorded one year ago. Newly introduced mortgage regulations mean that starting January 1st, all home buyers applying for a new mortgage will need to pass a stress test to qualify for mortgage financing, said CREA President Andrew Peck. This will likely influence some home buyers to purchase before the stress test comes into effect, especially in Canadas pricier housing markets. A professional REALTOR is your best source for information and guidance in negotiations to purchase or sell a home during these changing times. Home sales via Canadian MLS Systems edged up 0.9% in October 2017 on the heels of monthly increases in August and September, but remained almost 11% below the record set in March. National sales momentum is positive heading toward year-end, said Gregory Klump, CREAs Chief Economist. It remains to be seen whether that momentum can continue once the recently announced stress test takes effect beginning on New Years day. The stress test is designed to curtail growth in mortgage debt. If it works as intended, Canadian economic growth may slow by more than currently expected.

Tips to take charge of your finances and live within your means

(NC) Are you stressed about money? Being in control of your spending is one way of reducing stress in your life. According to Statistics Canada, most of us are burdened with high levels of household debt. Simply put, too many people are spending more than they earn. They are saving less and not saving enough for retirement. At the same time, people are living longer. Living within your means is not always easy, especially when money is tight, but it is the best way to avoid excessive debt. A heavy debt load makes you vulnerable if you lose your job, have unexpected expenses or interest rates go up on your loans. Here is how you can start: Make a budget. Having a budget that lays out sources of income and monthly expenses can help you commit to a spending plan. Know the difference between your wants and needs. Put your needs first; your wants can wait. Choose your credit card wisely. Pay off the balance in full each month so you can build a good credit history and avoid high interest charges. Think ahead to retirement. Canadians are living to an average age of 86. If you retire at 65, that could mean you are living off savings for 21 years or more. Start saving as soon as you can. Find more tips from the Financial Consumer Agency of Canada online at canada.ca/it-pays-to-know. www.newscanada.com

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