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Alberta
Robert McLaughlin Sr. Mortgage Professional

Robert McLaughlin

Sr. Mortgage Professional


Phone:
Address:
2316 6 Street NE, Calgary, Alberta

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“We Build Partnerships That Deliver Trusted Financial Solutions” 

 

Welcome to my Website! 

 

My name is Robert McLaughlin and I am a Sr. Mortgage Professional with Verico CML Canadian Mortgage Lender. I work hand in hand with my business partner Chris Stewart who is also a Sr. Mortgage Professional with CML Canadian Mortgage Lender. Combined we have 60 years’ experience in the Financial Services Industry that includes 30 years as Licensed Mortgage Professionals. While we work for our clients, we offer them mortgage financing that meets their current needs and builds the foundation to encompass their ever-changing life and financial strategies. 

 

We provide our clients a choice, through our extensive lender network, and work daily within the Prime, Alternative and Private Mortgage Segments to secure the best available products. This enables us to deliver un-biased navigation of rates, terms and mortgage products, while working as partners with our clients to ensure that they are educated on the financing process.  

 

Here are some examples of mortgage financing that we can do: 

 

Pre-Qualify                                      Purchase                                  Builds & Draws                            Purchase + Improvements 

Spousal Buyouts                            Refinances                               Debt Consolidation                     Equity Take Outs 

Second Mortgages                        Combination Mortgages        Reverse Mortgages                     Interest Only 

 

Whether you have challenges with income, bruised credit, current or former bankruptcy, owe income taxes or GST or have no challenges at all, we have great products and rates that can maximize your mortgage and financial strategies. 

 

Contact us today and let’s talk. 

 

 


BLOG / NEWS Updates

PROMISES, PROMISES AND MORE PROMISES

Canadas Parliament re-convened today with a ceremonial Speech from the Throne delivered by the Governor General. Canadas continued response to the COVID-19 pandemic took centre-stage, while providing a lens for a plethora of broader promises: an extension of the wage subsidy, expanded employment insurance, investments in childcare, reaffirmed commitments to universal pharmacare, and green infrastructure investments among many others. Given the exhaustive list of priorities, this Speech is unlikely to bring the minority government down as it provides plenty of hooks for negotiations in the lead-up to a Fall update where details will be laid out. It clearly signals more fiscal spending ahead for Canada leaving the question not if but how much. But this was largely channeled ahead, so the market reaction has been mutedor more likely, it is eclipsed by broader US and global developments. There is little beyond lip service by way of fiscal restraint. This will be left to the Finance Minister to make inevitable trade-offs in her first budget this Fall, particularly as she may need to reserve some firepower for second waves. Source: Scotiabank https://www.scotiabank.com/ca/en/about/economics/economics-publications/post.other-publications.fiscal-policy.fiscal-pulse.federal.federal-budget-analysis.federal-throne-speech--september-23--2020-.html

Home affordability improved in Q2 2020

Housing affordability in Canadas large urban centres improved in the second quarter of 2020 after having deteriorated in the two prior quarters. Higher incomes helped in Q2 but the largest portion of the improvement came in the form of lower interest rates. Indeed, the latter declined 19 basis points in the quarter, reflecting the easing from the central bank. Combined, income and mortgage rates were more than enough to offset the increase in home prices. Still, the decline in interest rates on a quarterly average basis does not completely reflect the change in 5-year mortgage rates since the beginning of the COVID-19 pandemic. The February to June decline in mortgage interest rates was a much more significant 41 basis points. Looking ahead, the preliminary data for rates shows additional improvements in the third quarter of the year (cumulatively they are down over 70 bps). While we expect this to help affordability, home prices should remain resilient based on the latest resale market data showing record sales volumes. Homebuyers have rushed back to the market after having delayed purchases and are now being offered record-low interest rates. Once pent-up demand is exhausted, the Canadian housing market will still have to face high levels of unemployment and reduced household formation due to lower immigration.

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