Consolidating Debt in Retirement with The CHIP Reverse Mortgage

General Lyndsay Gavrilovic 27 May

Managing debt is challenging at any age, but it can be especially stressful in retirement when income is limited. Many Canadians turn to debt consolidation to simplify payments and lower interest rates. However, traditional options—such as personal loans, refinancing, or home equity lines of credit—often require a strong credit score and steady income, making them […]

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Budgeting for the Year Ahead!

General Lyndsay Gavrilovic 6 Feb

With the recent inflation and rising prices occurring across the country, it is time to take control of your finances. One of the quickest ways to understand where your money is going and where you can make changes, is to create a monthly budget. This will help you get a snapshot of your income compared […]

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Refinancing Your Mortgage in 2025

General Lyndsay Gavrilovic 11 Dec

Refinancing your mortgage can be a smart financial move for many reasons, and as your trusted mortgage advisor, I’ve seen how much it can benefit homeowners! Ideally, refinancing is done at the end of your mortgage term to avoid penalties, but the timing can vary depending on your goals. For some, it’s about unlocking the […]

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What the Bank of Canada Rate Drops Mean for YOU!

General Lyndsay Gavrilovic 5 Nov

With the Bank of Canada rate decreases throughout the summer and into September, I thought this would be a great opportunity to update you on what this means for your mortgage. If you’re on a variable-rate mortgage, this will result in a slight decrease in your mortgage payments to match the current rates giving you more […]

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Smart Ways to Cut Your Energy Costs

General Lyndsay Gavrilovic 21 Oct

In the last decade, climate change and energy efficiency have become top of mind for many Canadians. From wanting to do our part by recycling to making our home as energy efficient as possible, there are so many benefits to being environmentally and energy conscious. If you are looking to cut costs or simply want […]

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Expert Tips for Staging Your Home

Mortgage Tips Lyndsay Gavrilovic 3 Oct

Even in a sellers’ market, there are some ways you can improve your chances of increasing the number of offers and selling your home for the best value. Check out these expert tips for staging your home to help make the best first impression possible: Clean and Declutter: Clean, clean, and clean some more! While you […]

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2024 Fall Market Outlook

General Lyndsay Gavrilovic 9 Sep

The initial Bank of Canada rate cuts this past summer did not spur housing activity as anticipated, but with an additional cut early September and potentially more on the way, they will continue to affect the housing market outlook. New listing levels are expected to rise as sellers who may have held back enter the […]

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The Benefit of Rate Holds

General Lyndsay Gavrilovic 20 Aug

Being on the path to purchasing your first home is one of the most exciting and most rewarding moments in life! To help make the mortgage process smoother, one of the things you can do is to get pre-approved for your mortgage. Getting pre-approved doesn’t commit you to a single lender, but it does guarantee […]

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Small Home Improvements That Make a BIG Impact

General Lyndsay Gavrilovic 7 Aug

Whether you’re looking to sell your home this year, or just want to make some updates, I have put together six small home improvements that can make a BIG impact on your space! From improving saleability to refreshing your home, here are some simple and affordable ideas to help get you started: Painting: One of […]

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