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Robert Mogensen

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SB 140187
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The Mortgage Advantage


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Welcome

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It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

As your personal mortgage consultant, I’m an independent, unbiased, expert, here to help you move into a home that you will love.

I have access to mortgage products from a multitude of lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m your personal mortgage consultant who will help you get the right financing, from the right lender, at the right rate. 

Please call me today for your best mortgage solution and advice.   Phone: 604.802.8193

BLOG / NEWS Updates

Apr 23

2014

Canadians are locking into Fixed Rate Mortgages (Part 1)

A recentpoll conducted by Nielsen finds that nearly half of Canadians dont think low rates will last forever and expect mortgage rates to be higher a year from now. The poll also shows that Canadians are increasingly focused on moving to fixed-rate mortgages. According to the Consumer Insights survey, many Canadians still prefer fixed mortgage rates over VRM (Variable Rate Mortgages). The survey found that about 48% of Canadians would choose a fixed rate mortgage if they had to make that decision today, 31% would choose variable rate mortgage today, and 19% were undecided as to which type of mortgage they would choose. The survey also notes, that although Canadians have had a relatively stable rate environment for a number of years, they are becoming more prudent when it comes to mortgage planning. By locking into a fixed rate mortgage, Canadians reduce their risk of an increase in interest rates during the term of their mortgage. If you are unsure about choosing between a Fixed Rate Mortgage or Variable Rate Mortgage, feel free to contact me and I will be happy to assist you.

Apr 16

2014

Have an early discussion with your kids about money management

The Minister of State (Finance) Kevin Sorenson and Financial Consumer Agency of Canada (FCAC) Deputy Commissioner Brigitte Goulard, kicked offTalk with Our Kids About Money Day, a financial Literacy campaign for youngsters. Talk With Our Kids About Money Dayencourages parents and teachers to be involved and actively engage in conversations with kids and young adults about money management. From their first cell phone, to their first credit card, many young Canadians are making financial decisions without proper guidance. Having an early discussion about money will help your kids build knowledge and skills for decision making in their financial future. Parents can start by modeling good spending behaviour and ensuring your child practices sound money management. Make sure to discuss money management in a variety of settings and get your childs opinions and input about money both at home and when you are out and about. There are a number of tools, guides, and support materials you can use to help you get started.Click here for more information.

Apr 14

2014

Canadians believe that buying a home is a great investment (Part 3)

There are many factors as to why Canadian homebuyers are thinking more about smart home investing and careful financial planning -As discussed on our previous blogs, Canadians believe that buying a home is a great investment Part 1 2. Based on the Canada-wide survey commissioned by Genworth Canada, homebuyers are working harder and making larger contributions towards their down payment for a new home purchase. Canadians are slowly building up more confidence in their goals towards homeownership while young professionals are saving up for their down payments, 67 percent of the older generations say their goal is to pay off their mortgage faster which has increased from 62 percent in 2013. Over the last two years, financial literacy attitudes of Canadians have stayed consistently stronger than before. While our financial well-being is strengthening, we are also becoming more fiscally responsible. For example, the proportion of First-Time Buyers/Intenders who say they dont know what their credit rating is has declined from 32 percent to 23 percent. According to the official release, 95 percent agree that children should be taught basic finances and budgeting in school, and 93 percent would like to see education provided before people take out their first loan or credit card. For more information on homeownership, please feel free to contact me and I can give you guidance on making your first home purchase. Source: Genworth Canada

Apr 11

2014

Canadians believe that buying a home is a great investment (Part 2)

In the last blog, Canadians believe that buying a home is a great investment Part 1, we discussed some of the factors as to why Canadian homebuyers are thinking more about smart home investing and careful financial planning. According to a Canada-wide survey commissioned by Genworth Canada, homebuyers are working harder and making larger contributions towards their savings in order to make a home purchase. Image sourced from Genworth Canada Canadians are slowly building up more confidence in their goals towards homeownership. According to the official release of the survey, about nine out of ten people believe that owning their own home gives them a greater sense of emotional well-being. Despite the fact that it could mean more work needed towards saving up, Canadians would rather own a home than pay rent. For more information on homeownership, please feel free to contact me and I can give you guidance on making your first home purchase. Source: Genworth Canada

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Scotia Bank First National National Bank B2B Bank Home Trust Bridgewater Bank
MCAP Merix Industrial Alliance Optimum Canadiana Financial Equitable Trust
ICICI Bank Moncana Bank of Canada Fisgard Capital  RMG Mortgages