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316305
Gina Cherney Mortgage Associate

Gina Cherney

Mortgage Associate


Address:
Greens on Gardiner, Regina , Saskatchewan

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Hello and thank you for the visit to my website! My name is Gina Cherney.

With over 10 years of working in the financial industry, I have the skills and experience to provide customized advice. I have a passion in helping clients acheive their homeownership goals.I believe in the importance of building client relationships by educating and guiding them through the home buying process.

 

As a Mortgage Professional I have access to the best rates and mortgage products in the industry, but above all, I put my time and energy into choosing the best mortgage option based on the unique needs of the client. 

 

If you are buying a home for the first time or already in the market and looking for the best tools to leverage your investment, calll me today to see how I can assist you. 

 

Using a Mortgage Professional is the most cost effective way to access the highest level of expertise!


BLOG / NEWS Updates

Who are the working women in Canada's top 1%?

Even though working women are now more educated than working men, they are still outnumbered in top income groups, accounting for one in five workers in the top 1% in 2015. Research shows that characteristics such as education, work experience and occupation continue to leave a substantial portion of the overall gender earnings gap unexplained. Some analysts point to the underrepresentation of women in top earnings groups as a further factor contributing to the overall gap. This study provides the first gender-based analysis of workers in the top 1% in Canadathose employed with a total income of $270,900 or more, based on the 2016 Census of Population, and provides new information on the socio-economic characteristics of women who have broken through the glass ceiling. The results of this study will be updated as new information becomes available. Working women in the top 1% are younger and more educated than their male counterparts Working women in the top 1% in 2015 were relatively younger than their male counterparts, and had higher levels of education. Specifically, 74.2% of women had obtained a bachelors degree or more, compared with 70.0% of their male counterparts. Further, women were more likely than their male counterparts to have studied in fields such as health or related fields, social and behavioural sciences and law. Conversely, women in the top 1% were less likely than men to have studied architecture, engineering and related technologies and business, management and public administration.

Bank of Canada maintains overnight rate target at 1 ¾ per cent

The Bank of Canada today maintained its target for the overnight rate at 1 per cent. The Bank Rate is correspondingly 2 per cent and the deposit rate is 1 per cent. The global economic expansion continues to moderate, with growth forecast to slow to 3.4 per cent in 2019 from 3.7 per cent in 2018. In particular, growth in the United States remains solid but is expected to slow to a more sustainable pace through 2019. However, there are increasing signs that the US-China trade conflict is weighing on global demand and commodity prices. Global benchmark prices for oil have been about 25 per cent lower than assumed in the October Monetary Policy Report (MPR). The lower prices primarily reflect sustained increases in US oil supply and, more recently, increased worries about global demand. These worries among market participants have also been reflected in bond and equity markets. The drop in global oil prices has a material impact on the Canadian outlook, resulting in lower terms of trade and national income. As well, transportation constraints and rising production have combined to push up oil inventories in the west and exert even more downward pressure on Canadian benchmark prices. While price differentials have narrowed in recent weeks following announced mandatory production cuts in Alberta, investment in Canadas oil sector is projected to weaken further.

MY LENDERS

TD Bank Scotia Bank Attain Mortgage First National MCAP Home Trust
Merix Equitable Bank Street Capital CMLS Fisgard Capital ICICI Bank
Optimum  RMG Mortgages Bridgewater Marathon Mortgages