AGENT LICENSE ID
M08001093
BROKERAGE LICENSE ID
10575
Irina Marshall
Senior Mortgage Agent
Office:
Phone:
Email:
Address:
260 Hearst Way, Suite 200, Ottawa, Ontario
BROWSE
PARTNERSStress free mortgage designed for your needs
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I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.
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BLOG / NEWS Updates
CFFBank EASYONE account (Line of Credit and High Interest Saving Account all-in-one)
CFF Bank EASYONE account with high interest savings rate is packaged as all-in-one banking solution. This account offers customers the ability to take advantage of both an unsecured line of credit and high interest savings with one simple, no-fee account
Transfer higher interest credit card balances
Consolidate debt
Pay for your next home renovation
Increase your savings
Pay for a vacation
Reduce interest you pay
Manage your cash flow
As a partner with CFF Bank, Im now able to offer you exclusive banking products available through CFF Bank!
I encourage you to open the new CFF Bank EASYONE Account. This no-fee account offers up to $25,000* in credit. And now for a limited time** you can take advantage of the following:
Up to 120 days NO INTEREST on the Line of Credit portion of your account
3% BONUS RATE on the Savings portion of your account for maximum savings
​CFF Bank EASYONE Account Features:
Unsecured Line of Credit
High Interest Savings Account
Access Funds Online or by Telephone Banking
CFF Bank EASYONE Account Benefits Unsecured Line of Credit:
Rate of interest is lower than a traditional credit card
Access to credit whenever its needed
Reduce interest owing with any deposits made to the account
Pay interest only when the account is used
High Interest Savings Account:
Earn high interest when borrowings are paid off
Unlimited transfers to pre-authorized account
Higher interest rate than most banks
Total flexibility not locked-in
A great way to make your savings work harder
Access Funds Online or by Telephone Banking:
Logon to online banking at www.CFFBank.ca
Call 844.CFF.BANK
Or email customerservice@cffbank.ca for any questions
CFF Bank is a 100% Canadian owned Schedule I bank and a member of Canada Deposit Insurance Corporation (CDIC)
Sign up today! Call me now at613-627-1041
Read more blogs at Accessible-Mortgages.com
*Some conditions apply.
**This is a limited time offer on all deals funded before April 30, 2015. Rate of 3% inclusive, and subject to change without notice
Canada: Household Credit Growth Continues To Climb in September
CANADIANS BORROWING HAND OVER FIST
Total Canadian household credit growth continued to accelerate in September, reaching a pace last seen in mid-2018. Despite a slight deceleration from the previous month to 4.3% at a seasonally adjusted annualized rate (m/m saar), trend growth remains at elevated levels. Both mortgage and consumer credit growth contributed to the 68 bps slowdown from the prior month (46 bps and 22 bps, respectively), but borrowing conditions remain favourable overall with trend growth still in strongly positive territory.
RESIDENTIAL MORTGAGE CREDIT EXPANSION CONTINUES ITS ASCENT
Residential mortgage credit growth continued on its upward trajectory in September supported by favourable borrowing conditions and strong labour markets. Mortgage loan growth accelerated by 4.9% m/m saar in September, pushing the year-on-year trend growth rate to 4.2% y/ythe fastest pace since mid-2018, marking a well-pronounced recovery in the mortgage-borrowing market.
Canadas real estate market looks to be rebounding following a turbulent couple of years due to various policy announcements from 2017 to 2018 designed to cool the market. Mortgage borrowing has picked up through the second half of 2019 with the uptick in demand following a reduction in the mortgage qualifying rate in July and a decline in 5-year mortgage rates. With the Bank of Canada under pressure to continue to provide a stimulative environment following sustained levels of uncertainty, residential mortgage credit growth is expected to remain supported in the foreseeable-future.
Strength in Canadian labour markets has also been conducive to a favourable borrowing environment. Septembers surge in job gains contributed to a fall in the unemployment rate to 5.5%.
Source: Scotiabank
National house price index rises again in August
The national HPI has grown at a below-inflation rate of 0.6% over the last 12 months. However, the weakness is not regionally broad-based. The national HPI has been depressed by 12 consecutive months without a rise in Vancouvers index, which dropped a cumulative 6.6%. Other Western metropolitan areas (Victoria, Calgary, Edmonton, and Winnipeg) also contributed to slow the national HPI. At the opposite, annual growth has been decent in most of the regions located in the central and eastern part of the country. That being said, home sales in August were up 55% from March in Vancouver, where market conditions went from favorable to buyers to balanced. Over that period, home sales rose 19% in Calgary and 12% in Edmonton. These improvements, if sustained, will sooner or later help limit home-price deflation in this region.
The TeranetNational Bank Composite National House Price IndexTM increased 0.4% in August, a fourth gain in a row after an eight-month string without a rise.
On a monthly basis, the index rose in 8 of the 11 markets covered: Victoria (+0.2%), Calgary (+0.6%), Hamilton (0.7%), Winnipeg (0.7%), Toronto (+0.8%), Montreal (1.1%), Ottawa-Gatineau (1.7%) and Halifax (1.8%). The index was down in Vancouver (-0.8%), Quebec City (-0.4%) and Edmonton (-0.1%).
From August 2018 to August 2019, the Composite index rose 0.6%. Over the period, the HPI declined in Vancouver (-6.6%), Edmonton (-3.1%), Calgary (-2.3%). It was marginally up in Quebec City (0.1%), Victoria (0.7%) and Winnipeg (1.1%). It grew more convincingly in Toronto (+3.8%), Hamilton (+4.4%), Halifax (5.5%), Montreal (+5.7%) and Ottawa-Gatineau (+6.4%).
Source: National Bank, Marc Pinsonneault
