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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!
I’m a VERICO Mortgage Broker Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.
I have access to mortgage products from over forty 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 the VERICO Mortgage Broker Advisor who can help you get the right financing, from the right lender, at the right rate.
Give Comfort Food a Makeover
(NC) As temperatures drop, the urge to indulge in hearty classics takes over. Whether its soup, stew, or mac n cheese, you can satisfy your familys comfort cravings with delicious alternatives to old school favourites.
Swap ingredients and add seasonal vegetables to give classic dishes a makeover. Simple changes such as using sweet potatoes instead of regular spuds add more nutrients to your meals. Pastas like Barilla Protein PLUS add an array of benefits including 14 grams of high quality protein from chickpeas, lentils and egg whites.
Give this Barilla Bacon and Brussels Sprouts Penne recipe a try and share your favourite comfort food makeovers with us!
Barilla Bacon and Brussels Sprouts Penne
1 box Barilla Protein PLUS Penne
2 pounds Brussels sprouts
8 slices raw bacon
4 cloves garlic, minced
1/4 cup shallots, thinly sliced
1 tablespoon olive oil
1 cup chicken broth, low-sodium preferred
1/4 cup pecans, roasted and chopped
1/4 cup Parmesan cheese, grated
Cook pasta according to the package instructions. Preheat oven to 350F. In a pot of boiling water, blanch Brussels sprouts for 5 minutes; place drained Brussels sprouts on baking pan in fridge to cool. Once cooled, cut sprouts in half. In an oven-safe skillet, cook bacon until crisp, remove and crumble; pour off all but 1 tablespoon of bacon fat. Add garlic and shallots to skillet and saut until soft. To same skillet add olive oil and Brussels sprouts; bake in a 350F oven for 10 minutes until caramelized. Remove from oven and add chicken stock; over medium heat, stir well and heat through. Add pasta, bacon and pecans, mixing well. Sprinkle with Parmesan cheese before serving.
Have mortgage questions? Im here to help you!
Please feel free to contact me with any questions you may have. It would be a pleasure to assist you or any one of your friends or family members!
Bank of Canada increases policy interest rate by 75 basis points, continues quantitative tightening
The Bank of Canada today increased its target for the overnight rate to 3%, with the Bank Rate at 3% and the deposit rate at 3%. The Bank is also continuing its policy of quantitative tightening.
The global and Canadian economies are evolving broadly in line with the Banks July projection. The effects of COVID-19 outbreaks, ongoing supply disruptions, and the war in Ukraine continue to dampen growth and boost prices.
Global inflation remains high and measures of core inflation are moving up in most countries. In response, central banks around the world continue to tighten monetary policy. Economic activity in the United States has moderated, although the US labour market remains tight. China is facing ongoing challenges from COVID shutdowns. Commodity prices have been volatile: oil, wheat and lumber prices have moderated while natural gas prices have risen.
Prices have come down from their peak in July
From the National Bank of Canada
Declining transactions in the resale market and rising interest rates continue to weigh on property prices, with the Teranet-National Bank Composite House Price Index falling 0.2% from June to July after seasonal adjustments. This is the first monthly decline since the one seen at the beginning of the pandemic in June 2020. Using the unsmoothed seasonally adjusted index, which is more sensitive to market fluctuations, the decline is even more pronounced, with property prices falling 1.4% from June to July. Moreover, price decreases continue to be widespread across the country. In fact, for all 32 markets where the seasonally adjusted unsmoothed index was available in July, 58% experienced a decline during the month, the same proportion as observed in June, but much higher than those recorded since the beginning of the year. You have to go back to May 2020, at the very beginning of the pandemic when uncertainty was at its peak, to find such a large proportion of markets down. While the Bank of Canada has indicated that it will continue to raise its policy rate and that transactions in the real estate market should continue to decline, we anticipate that the composite index should decrease by 10% by the end of 2023.