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Cedric Liem

Special Mortgage Rates at BMO

June 7, 2022 By Cedric Liem Leave a Comment

BMO logo

BMO Special Mortgage Rates last updated 2021-05-25

Filed Under: Mortgage Rate Promotions and Special Offers Tagged With: 5 year fixed rate mortgage bmo, Active, bmo eco smart mortgage, Bmo Mortgage Rates

Special Mortgage Rates at TD Canada Trust

June 7, 2022 By Cedric Liem Leave a Comment

TD Bank logo

I’ve taken screenshots of TD mortgage rate special offers and promotions. Mortgage rates are at record lows now. Date: 2022-06-07 Date: 2021-01-17 Date: 2018-11-28 Date: 2017-08-24 Date: 2017-07-23

Filed Under: Mortgage Rate Promotions and Special Offers Tagged With: 3 year fixed rate promotion, 4 year fixed rate promotion, 5 year closed variable rate promotion, Active, td canada trust mortgage rate special offers

A Mortgage Broker Fintech Company

July 22, 2021 By Cedric Liem Leave a Comment

About Mogo Mogo is a Canadian fintech company based out of BC. They offer loans, free credit score monitoring, mortgages, the ability to buy and sell bitcoin, and they have the best bitcoin rewards credit card in Canada. Update 2022-06-08 – They used to. But, now it’s negligible. And I really mean negligible. You get […]

Filed Under: Blog

How to Live Financially Free

January 25, 2021 By Cedric Liem Leave a Comment

How to live financially free

Living mortgage free is only one step to living financially free or secure. You need to develop a strategy if you want to be financially free. The ultimate strategy is earn more income. Sure, you can cut expenses, but, unless you’re making a lot to begin with, you still want to earn more income if […]

Filed Under: Blog

Interim Occupancy Fee for Condos Explained (aka “Phantom Mortgage”)

January 21, 2021 By Cedric Liem 14 Comments

Phantom mortgage

The Interim Occupancy Date So, you bought a new condo and you got your letter that you can move in. It has the term Interim Occupancy bolded with a move in date. This was the interim occupancy date. You may be excited, but, for me, that wasn’t a pleasant notice. It was at the time, […]

Filed Under: Mortgage Guides Tagged With: Interim Occupancy Fee Ontario, Interim Occupancy Fees Definition, Phantom Mortgage, Phantom Mortgage Condo, Phantom Mortgage Definition, Phantom Mortgage Ontario, Phantom Mortgage Toronto, What Is Interim Occupancy Fee

Is Living Mortgage Free, Financial Freedom?

June 30, 2020 By Cedric Liem Leave a Comment

Is paying off your mortgage and living mortgage free really like having financial freedom? When you have a mortgage, it may seem like it would be. When you finally pay off your mortgage, you realize it’s not yet quite financial freedom. But, you’re getting there! Related: How to Pay Off Your Mortgage Faster I’m mortgage […]

Filed Under: Blog Tagged With: financial planning

How to Buy a House in Ontario – Home Buyers Guide 101

June 30, 2020 By Cedric Liem 1 Comment

Buying a House

Even with the new mortgage rules that came out in 2018, or the pandemic of 2020, the process for buying a house is the same. And it’s simple. From a very high level overview, it’s about finding a home seller and then signing a contract with that seller to buy that house. That’s really all […]

Filed Under: Mortgage Guides

How to Calculate the Land Transfer Tax in Ontario

December 28, 2018 By Cedric Liem Leave a Comment

Every province and territory in Canada has some tax or fee whenever you purchase a home. You should take this into account with respect to your expenses. Your realtor fees and this land transfer tax are the two biggest expenses after the cost of your home. Mortgage insurance only applies if you’re required to take […]

Filed Under: Blog

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