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M18002194
Melodie Krawchuk Mortgage Broker

Melodie Krawchuk

Mortgage Broker


Phone:
Address:
100-1721 10 Ave SW, Calgary, Alberta

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As your mortgage brokers, our role is to represent you in the mortgage market and help you navigate the process of financing your property purchase.

 

There’s a twofold advantage in working with Canada Mortgage Direct: we can obtain wholesale mortgage rates and offer you personalized service at the same time.

 

The key word in working with our mortgage professionals? Professional! We will get your mortgage approved in a quick and efficient fashion, which will eliminate hassle and paperwork for you. And after possession, all of our valued clients are added to our proactive mortgage management system where we help to provide additional savings.

 

We represent you, not the lender.

 

There are many reasons you may be looking for guidance in the mortgage market, and we work with all kinds of people in all situations. Are you a first-time homebuyer, experienced purchasers, new to Canada, relocating or purchasing recreation or investment property? We will provide you with the financial expertise and assistance to help you add to (or start) your real estate portfolio.

 

Our brokers can also assist you in refinancing your existing home (for debt consolidation or renovations), or to tap into equity from your home for credit help.

 

We specialize in assisting those clients who are self-employed in realizing their homeownership dreams. Entrepreneurs and business owners take comfort in knowing our products are designed exclusively for self-employed people who don’t show verifiable income to qualify for mortgages.

 

attain Mortgage

More than just Mortgages. We can help you build your future.

BLOG / NEWS Updates

Almost one-quarter of Canadian seniors are caregivers

While older Canadians may be more likely than their younger counterparts to require help and care in their daily lives, almost one-quarter of Canadian seniors aged 65 years and older are caregivers themselves. And while the roles and responsibilities of these senior caregivers may have changed in the context of the COVID-19 pandemic, the challenges they face could be heightened. Although the pandemic has affected the lives of all Canadians, seniors have been identified as a population particularly vulnerable to COVID-19. Not only are seniors more at risk of severe illness, they are also more affected by isolation measures. As a result, many senior caregivers who help people living outside of their household may not have been able to provide the same level of care that they usually do. Senior caregivers providing help to their spouse may also have seen their burden of care increase, given the possible lack of other support during the pandemic. For example, older caregivers who are usually supported by their adult children to provide help and care for their spouses, may have had to perform additional activities and provide more hours of care than usual. While the data in the current study were collected prior to the COVID-19 pandemic, the results highlight the many challenges senior caregivers already faced. A new study, The experiences and needs of older caregivers in Canada, uses data from the 2018 General Social Survey on Caregiving and Care Receiving to provide a profile of senior caregivers in Canada. Senior caregivers are those who have provided help or care to a spouse, another family member, or a friend with a long-term health condition, a physical or mental disability, or problems related to aging. Senior caregivers are likely to continue to play an important role in the years to come. As the needs for care and help increase with an aging population, smaller families and geographic mobility among Canadians may reduce the supply of potential younger family caregivers. Within this context, many older Canadians may be relied upon to become care providers, even though they may develop health issues of their own, including age-related physical and cognitive declines, chronic illness and some level of disability.

Week in review

Real GDP continued to recover in August, gaining 1.2% m/m, a result above the +0.9% print expected by consensus. This marks the fourth monthly gain in a row for this indicator, however total output is still down 4.6% from its pre-pandemic (February) level. Production rose in 15 of the 20 industrial sectors covered in August, with two others remaining flat in the month. Goods sector output climbed 0.5% on decent rises for construction (+1.5%) and manufacturing (+1.2%). Industrial production edged up 0.1%. Services-producing industries, meanwhile, experienced a 1.5% surge in production, with the steepest progressions occurring in arts/entertainment (+13.7%), accommodation/food services (+7.3%) and educational services (+3.4%). Year on year, total economic output was down 3.8%. Canadian GDP registered yet another advance in August but the economic recovery remains highly uneven. Some sectors have now fully recovered from the COVID-19 shock and currently stand above their pre-pandemic peaks. That is the case for agriculture/forestry/fishing/hunting (+2.5% compared with February), finance/insurance (+2.1%), real estate (+1.5%), wholesale (+1.3%), retail (+1.2%) and utilities (+0.8%). That said, certain industries continue to suffer. For instance, production in the mining/quarrying/oil and gas extraction segment remains 17.2% below its February level thanks in large part to depressed energy prices. The sectors most affected by social distancing measures are also struggling to recover. Output in the arts/entertainment segment is roughly half what it was before COVID. Production in accommodation/food services, meanwhile, remains 28.2% short of pre-pandemic levels. Transportation and warehousing is also tracking 20.5% below February. While the economic rebound is likely to have extended into September Statistics Canada advance estimate suggests production expanded another 0.7% in the month the steep gap between the best and worst performing industries is likely to endure in a context in which people continue to avoid social contacts. Looking further ahead, the real question remains whether the recovery can be sustained, especially now that COVID-19 cases are surging back up, forcing some provincial governments to reintroduce social distancing measures.

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