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AGENT LICENSE ID
18001171
BROKERAGE LICENSE ID
13023
Chantal La Duke Mortgage Agent #M18001171

Chantal La Duke

Mortgage Agent #M18001171


Address:
440 Phillip St, Waterloo, Ontario

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Many people find mortgages, and the mortgage process, intimidating.  It doesn’t have to be that way!

 

Take the sting out of your next mortgage by choosing work with a licensed mortgage professional.  As a licensed and experienced Mortgage Agent, I welcome the opportunity to assist you in preparing your application and ensuring it is presented to the right lenders for your situation.  Licensed mortgage professionals have access to Canada’s largest banks, credit unions, trust companies, and financial institutions – giving clients a range of choices and access to hundreds of mortgage products.  I take great pride in working closely with my clients to develop a relationship built on trust, allowing you the confidence and security of knowing you are getting the best financing based on your unique situation.  You're not just a number, so why should you be treated like one?

 

As specialists in refinancing, consolidation, and second mortgages, our brokerage is in the business of getting your life back on track!  So if you're falling behind on payments, concerned about your future, or unsure about your financial situation, there is a solution and I can help.  Whether you are self-employed or an employee, full time or part time, purchasing your first home, taking equity from your home for investment, renovations, or pleasure, or your existing mortgage is simply due for renewal, I encourage you to contact me.  It would be my pleasure to assist you to make an educated financing decision with professional, unbiased advice.

attain Mortgage

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

attain Mortgage

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

BLOG / NEWS Updates

Almost no annual growth for national HPI

The national HPI has grown at a below-inflation rate of 0.5% over the last 12 months, the smallest gain since November 2009. Moreover, the fact that monthly gains are reported for May and June does not mean that the market recently turned the corner. These two months typically register the strongest growth rates in a year. Indeed, the two latest rises were among the weakest in history for months of May and June. If seasonally adjusted, the national HPI would been down in both months this year. However, the weakness is not regionally broad-based. The national HPI was dragged down by 12-month home price declines in Western Canada metropolitan areas (Vancouver, Calgary, Edmonton and Winnipeg) and a tiny increase in Victoria. In Central Canada and in the East, home price growth ranges from decent to strong (left chart). This is consistent with the state of home resale markets. For example, the Vancouver market turned favorable to buyers at the end of last year, while the Toronto market remained balanced and Montreal’s market has never been this tight since 2005. That being said, a rebound in home sales recently occurred in Canada which was also felt in the largest Western metropolitan areas. This should help limit home-price deflation in these areas. The Teranet–National Bank Composite National House Price Index increased 0.8% in June, a second gain in a row after an eight-month string without a rise. Highlights: On a monthly basis, the index rose in 8 of the 11 markets covered: Winnipeg (0.1%), Quebec City (0.3%), Montreal (0.8%), Toronto (1.3%), Halifax (1.5%), Hamilton (+1.6%), Victoria (+2.1%) and Ottawa-Gatineau (+2.2%). The index was down in Calgary (-0.1%) and Vancouver (-0.3%), and flat in Edmonton. From June 2018 to June 2019, the Composite index rose 0.5%, the smallest 12-month gain in ten years. The HPI declined in Vancouver (-4.9%), Calgary (-3.8%), Edmonton (-2.6%) and Winnipeg (-0.4%). It was up in Victoria (0.3%), Quebec City (1.5%), Halifax (2.7%), Toronto (2.8%), Hamilton (4.8%), Montreal (5.4%) and Ottawa-Gatineau (6.3%). Source: National Bank Financial Markets; Marc Pinsonneault

NORTHERN STAR (FOR NOW...)

In contrast to the US, Canadian growth is accelerating sharply going into the second quarter, following a solid gain in domestic demand to start the year. Fast, and accelerating, population growth, and remarkably strong employment growth are providing a solid underpinning to consumer spending and the housing market. Positive export data suggest that the ongoing strength in domestic demand will be buttressed by net exports in the second quarter, and possibly beyond. Canadian inflation is at the Bank of Canadas target, in sharp contrast to the US, where it has moved away from the Feds objective. This gives the BoC room to keep rates on hold if inflation remains on target. Downside risks remain important and are all linked to US-centric developments, with worries about US trade policy ongoing despite the pause with China. Recent Canadian developments stand in sharp contrast to events in much of the rest of the world. Whereas US growth is clearly decelerating, Canadian growth is on an upswing, with recent indicators pointing to a very sharp rebound from a somewhat sluggish start to the year. Canadians appear to be, for the time being, largely insulated from the broader malaise facing the global economy as consumer and business confidence has improved sharply in recent quarters, owing to strong sales and job creation. While there are a number of factors suggesting that the growth rebound observed will persist through 2020, there is a risk that a divergence between Canadian and US outcomes may not last. Source: Scotiabank Economics

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