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Reasons Why You Should Work With an Independent Mortgage Broker

Posted by Ontario on October 29, 2015 in Business, Finance, Oakville Ontario Services with No Comments


Independent Mortgage BrokerIf you’re in the market to buy a home, the first place you may think of when you need to obtain a mortgage is a big bank. While banks do offer mortgages, they are only able to offer limited options to clients in the form of their own home loans. Instead, mortgage brokers, like Verico, are able to offer borrowers many more options, since they deal with the banks as well as credit unions, financial trusts, private lenders and others. If you are new to Canada, self employed, have bruised credit or other  especially circumstances that may lead a conventional bank from saying “no” to a mortgage application, you will have a better shot getting approved when you go through a mortgage broker.

You’re Protected

Ontario mortgage brokers have a specific goal to provide you with the best and unbiased advice about the mortgage you are looking for. They are obligated to recommend a suitable mortgage for your situation, and why that particular mortgage is right for you. Thus, while low mortgage interest rates are important, you must also understand the other terms and conditions that come with each home loan. Your best interests are always protected when you use the expertise of seasoned mortgage broker since they work for you – not the bank.

Mortgage Broker BurlingtonThey’re Qualified

A lot goes into getting the right mortgage at the lowest possible rate. It’s not just a matter of looking for the best rate – a lot more needs to be looked at before signing on the dotted line. Mortgage agents are qualified to look into all the little details that are often stipulated in seemingly complex mortgage contracts, making it much more convenient to have a professional work things out on your behalf, and explain everything in terms you can understand.  A mortgage agent can sit down with you, go through your finances – including your income, debts, financial goals, credit history, etc. to determine how much you can afford to spend on a mortgage and what you need to do to qualify for low rates. They can also help you plan how to pay off your mortgage quicker, or how to use the equity in your home to finance high interest debt.

It’s The Easiest Way to Shop Around

If you look for a mortgage on your own, you would have to go to different banks and lenders and fill out an application at each one.  Having many credit inquiries on your record may hurt your credit score.  With a mortgage broker, you fill out one application and they shop it over lenders all across Canada – getting the lenders to compete for your business.

They’re on Your Side

Ontario mortgage brokers don’t work for the bank or any other lender – they work for you. Not only can they save you thousands in interest with the ideal mortgage package, but they do it at no charge to you!

Go With Experience

When you’ve decided that it’s time to get into the real estate market, or you are looking to renew or refinance a mortgage, contact Marcelle Tiqui – a trusted and experienced mortgage agent specializing in mortgages Milton, Oakville, Burlington and Mississauga areas. Call Marcelle at (905) 208-7070 or visit http://www.marcelletiqui.com to learn more about her services.  Your home is the biggest investment you will make.  Be sure you are getting the best terms and rates by using a mortgage expert like Marcelle Tiqui.

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Best Option to Ease the Divorce Process

Posted by Ontario on October 28, 2015 in oakville ontario, Oakville Ontario Services, Relationship with No Comments


Oakville family lawyerDivorce is a situation that no married couple ever intends on facing. Unfortunately, divorce is a common occurrence in our society today, and oftentimes marital issues are settled in a less-than-amicable manner. Many times the spouses are left emotionally and financially drained, and the family members – namely the children – are left devastated emotionally as well.

Luckily, there are other ways to end a marriage, that help to preserve dignity and pave the way to a better tomorrow.  If you are in the process of separating, you should know that there are alternatives to traditional divorce court.

Collaborative Family Law – A More Dignified Way to End a Marriage

Collaborative family law is a much more dignified way to handle the process of separation and divorce. This process works well when the couple can speak to each other in a reasonable manner in order to resolve their issues rationally.

This method involves entering into a Participation Agreement, which binds all parties to the process, including the couple, their lawyers, and any other professionals involved. Should either spouse decide that they’d prefer to go to court down the road, everyone needs to withdraw from the process, including the respective lawyers.

Collaborative Family Law OakvilleThe role of the Oakville family lawyer in collaborating is to provide his or her client with sound legal advice throughout the entire process. He or she will essentially coach the client on the requirements and issues regarding the separation agreement under the governing laws of Ontario. This process is voluntary for all involved, and is a much more cooperative way to settle a divorce.

Alternative to Divorce Court

Collaboration makes divorce much less stressful and less emotionally draining compared to divorce curt. The goal here is to ensure that all parties involved experience the best possible outcome. Issues such as property, assets, liabilities, alimony, child custody and more must be negotiated and agreed upon by the parties in the separation agreement.  Collaborative family law puts the control into the hands of the divorcing spouses, rather than a judge in divorce court. This process makes way for a smooth transition from marriage, to divorce, and ultimately to a new life.

Are You Looking for an Experienced, Caring Oakville Family Lawyer?

Collaborative Family LawDiane Daly and her team of experts are experienced in collaborative law, as well as other means of settling a divorce, including negotiation, mediation and arbitration. If you are going through a divorce, you need a caring, compassionate, experienced family lawyer to help you dissolve your marriage in the best manner possible, protecting your rights and the rights of the children going forward. Visit www.OakvilleLaw.ca today for more information about collaborative family law and other methods of avoiding divorce court and a long, drawn out battle.  You can also make an appointment for a consultation by calling (905) 844-5883.

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Consolidate Your Debts Using the Equity in Your Home

Posted by Ontario on October 27, 2015 in Business, Finance, oakville ontario with No Comments


consolidate debts Toronto OntarioWhat is Debt Consolidation?

If you’re like many Canadians, you probably have a variety of outstanding loans, including your mortgage, car loan, and credit card payments. While most Canadians may have a few other outstanding debts to pay, unsecured loans – like store and credit cards- come attached with a high interest rate. The higher the interest rate, the harder it is to pay off such debt. This is why debt consolidation programs are available – to help borrowers to pay off their high interest loans much quicker and easier.

Debt consolidation involves combining all your outstanding loans into one loan amount. This is done usually at a much lower interest rate, especially when compared to credit or store card loans. Not only is this debt easier to pay off thanks to the lower interest rate, it’s also easier to manage, since you’ve only got one monthly payment as opposed to several. When you consolidate debts Toronto Ontario, you can realistically pay off your debt much sooner, providing you with financial freedom sooner rather than later.  You will also save much more money in interest payments, and probably have additional cash flow each month – depending on how aggressive you want to be with repayment.

How Can You Benefit from Debt Consolidation?

The benefits of debt consolidation are quite obvious. First of all, this rolled-into-one loan amount will typically come attached with a much lower interest rate compared to the other debt you may have been carrying since it is tied to your home. Credit cards in particular can charge upwards of 20%-30% in interest, making your monthly payment predominantly interest instead of principle, and you end up paying interest on the interest if you can’t pay it off each month. Another advantage for consumers when they use the equity in their homes to consolidate debts is the fact that they only have one loan to worry about, instead of many separate payments all due at different times. This makes it easier to manage and budget each month, and generally improves cash flow with the lower payment.

Debt Consolidation OntarioHow to Get Started in a Debt Consolidation Program

If you’re finding it difficult to manage all your outstanding loan payments, you might want to consider taking advantage of a debt consolidation program. With today’s low home loan interest rates, the difference between a secured home equity loan and unsecured credit card debt can be 20% or higher. An experienced mortgage broker can help you get started with this program, and assist you in getting all your finances in order.

The professionals at Mortgage Medics are seasoned in the world of consolidating debts, and they’ll be sure to help you too! Visit their website today at MortgageMedics.ca or call (905) 847-6611 to schedule a free, no obligation consultation!  They can also arrange a second mortgage, home line of credit or home equity loan so you can consolidate debts, make a big purchase, finance education, travel, etc.  Put your home to work for you and use the equity to pay down high interest debt and buy the things you need now.

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4 New Hair Styles to Try This Fall

Posted by Ontario on October 26, 2015 in Beauty, Oakville Ontario Services with No Comments


Fortelli 4 New HairstylesWith a change in season you may be considering a change in hair style. Changing up the your hair can be a fun way to try a new look. After all, what’s the risk? Hair grows, giving you endless opportunity to try new haircuts. This fall, we’ve been seeing a few new styles that are interesting and flattering. Fortelli Salon in Mississauga has their finger on the pulse of all things new in the world of hair. If you’re considering a new hair cut, consider one of these options for this season before you visit this landmark hair salon.

  1. The Pixie With a Fringe

The pixie hair cut may not be new, but it’s still as hot as ever. Hollywood A-listers like Anne Hathaway and Robin Wright have recently sported this pretty hair cut, but with a little bit of sophistication thanks to the added fringe. For fall, it’s all about the more grown up chop featuring side swept bangs that effortlessly contour the face and accentuate the cheekbones.

  1. The Angled Bob

This past summer we’ve seen a lot of long blunt cuts. And while that style is still trendy and stylish, this fall the long blunt has been chopped a little into an angular bob. This cut works very well when it features a side part, and when the hair has been straightened and infused with texture.  Fortelli offers an Agave Smoothing treatment which puts an end to frizzy and unmanageable hair for up to 12 weeks.

  1. The Longer Lob

Everything Kim Kardashian does seems to catch on like wild fire, and her notable hair cut into a long bob has everyone coveting the look. Layered waves that beautifully fall just below the shoulders are classic, feminine, and sexy, yet still offer a hint of edge.

  1. The Updated Mullet

Perhaps the term “mullet” isn’t exactly one that evokes pleasant memories, but today’s edgy mullet cut is anything but tacky. Stars like Kristen Stewart and Taylor Swift have been seen sporting this ‘do’. This updated version features swept-behind-the-ears styling and a choppy lob that is trendy and stylish at the same time.

best hair salon in MississaugaFall is the season most associated with vivid colors, so you may want to try changing yours.  You can go darker for easier maintenance – now that summer is over.  You could also try a vivid red, auburn or ombre color treatment. Fortelli’s offers Davines permanent color which provide rich color while enhancing and strengthening the hair.  They also offer flamboyage – the new subtle and natural foil technique to add highlights to hair. Visit Fortelli Salon and Spa in Mississauga for an Updated Cut, Color or straightening treatment.

At Fortelli Salon, you can be sure to have the most skilled and experienced stylists working on your hair to help give you an updated hair style that totally suits you which you can recreate at home. They pride themselves on being the best hair salon in Mississauga – where we always treat clients like family. Visit www.Fortelli.com today or call (905) 824-4949 to book an appointment!

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You Can Still Get a Mortgage With Bad Credit!

Posted by Ontario on October 6, 2015 in Finance, oakville ontario, Oakville Ontario Services with No Comments


mortgage lender Oakville, Milton, Mississauga, BurlingtonBad Credit Doesn’t Have to Stand in the Way of You Getting a Mortgage!

If you’ve got credit that’s less than stellar, you probably think you’ll never get approved for a mortgage, right? Well, you’re in luck, because there are still ways to get a “YES” stamp on your mortgage application, even if you’ve suffered poor credit in your financial life!

Dealing with Typical Lenders is Not Your Best Choice if You Have Bad Credit

OBad Credit Mortgage Miltonf course, typical lenders – like big banks – will more than likely reject your application if your credit score isn’t adequate in their eyes. Lenders will look at your credit score to determine whether or not they will approve you when you apply for a mortgage. While various lenders have their own set of requirements, bad credit is one of the most common factors that will affect a lender’s mortgage approval. This can make finding a mortgage lender Oakville, Milton, Mississauga, Burlington and other areas of Greater Toronto – Greater Hamilton more difficult.

In addition to your credit score, lenders will look at a variety of different factors relating to your financial strength, including your:

  • Housing expense ratio (which should be no more than 32% of your gross income)
  • Co-borrowers
  • Investments
  • Stocks
  • Vehicles
  • Income history
  • Value of your home (if you own one and are looking to refinance or buy a more expensive home)
  • Amount of debt (cars, credit cards, current mortgage, student loans, child care, etc)
  • Debt to income ratio (which should be no more than 44%)bad credit mortgage Toronto

Let the Experts in Bad Credit Mortgages Help You Get Approved!

Rather than go the typical route of approaching traditional mortgage lender, why not take a better way and deal with an independent mortgage broker who knows exactly who to talk to in order for you to increase your chances of a mortgage approval, even with bad credit? Marcelle Tiqui is a mortgage agent who has plenty of experience getting a bad credit mortgage for those who have struggled with their financial past.

Marcelle has access to hundreds of lenders across Canada, who offer a variety of mortgage products for special situations just like yours. She is well versed in the criteria that different lenders have, and can use this knowledge to help you get approved for a mortgage. Even if you’ve been turned down by the banks, you can still get a bad credit mortgage in Ontario with the help of Marcelle Tiqui. She can also help you with home equity loans – to pay down high interest credit card debt, or mortgage refinancing. Call her at (905) 208-7070 or visit her website: www.marcelletiqui.com. Get your mortgage now- while rates are still low!

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Want to De-Stress and Improve Your Health? Spend Some Time at a Day Spa!

Posted by Ontario on October 5, 2015 in Beauty, Health and Wellness, Oakville Ontario Services with No Comments


best day spa MississaugaIn the hectic world we live in, spending time at a day spa can be a real treat. Today’s innovative spas provide the much-needed rest and relaxation needed to unwind and get away from the everyday hassles of life, while receiving therapeutic treatments to rejuvenate the mind, body and soul.

Typical day spa treatments can give you the chance to release all the tensions from your busy day, as well as stimulate cells of the body in order to obtain and maintain a healthy, youthful glow.

Spa treatments are varied, and can include the following:

  • Massage
  • Body wrap
  • Body Scrub
  • Facial
  • Manicure and pedicure
  • Hair therapy treatments

When enjoying a day spa, there are a number of factors to keep in mind in order to make the most of your visit.

Take your time – Make the most of your visit to the best day spa Mississauga by penciling in a little extra time to enjoy other amenities that your spa has to offer. Combine several treatments – like a facial treatment and body wrap – to give yourself a youthful glow.

Massage treatments MississaugaTalk with your treatment specialist – Your satisfaction and comfort are the top priority at spas, so discussing and communicating any areas of concern or needs with your treatment specialist is always recommended and welcomed. At top spas, like Fortelli Salon and Spa in Mississauga, new treatments are always being added. Many product breakthroughs or new therapies become available, and their skilled technicians can help you take advantage of the new technology.

Relax and unwind – Just sit back, relax, close your eyes even, and let your mind and body be quiet as your treatment specialist works their magic on you!

Spas typically offer packages so you can receive a number of treatments for one combined price. This is usual for day spas, where you have the option to spend either a half or full day getting pampered with a variety of spa treatments. However, if time does not permit, you can also select the one treatment you feel you need most.

spa parties MississaugaFortelli Salon and Spa is one such reputable day spa that is in Mississauga, west of Toronto, which offers innovative treatments in an exquisite setting. They offer a full range of treatments and services to meet your demands, as well as a wide array of top notch products in the spa including Bioline skin products from Italy. Whether you’re looking to treat yourself, a loved one, or simply to enjoy yourself with a group of friends at a spa party, Fortelli Salon and Spa is your go-to source for comfort and tranquility. See why they have been Mississauga’s premiere salon and spa for over 20 years! Visit www.Fortelli.com today to book your sessions or call (905) 824-4949 for an appointment or gift card

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Getting a Cottage Mortgage Ontario for Your Vacation Home

Posted by Ontario on October 2, 2015 in Business, oakville ontario with No Comments


cottage mortgage OntarioOntario has a vast amount of gorgeous lakes and cottage settings for Canadians to escape to during the summer months, or even all year round. Owning your very own cottage to use at your leisure makes vacationing that much more enjoyable and convenient. There are often bargains to be found in the fall or winter, and many cottages are also conveniently located near ski hills – making them the perfect year round destination.

When you have decided to purchase your own cottage or vacation home, it’s in your best interest to speak with a mortgage specialist, such as Claire Drage, who has the necessary expertise to help you arrange the best cottage mortgage to help finance your Ontario vacation home.

Cottage Mortgages – Consult the Experts

When you are shopping for a mortgage, you will naturally want to lock in a low interest rate. However, cottage mortgages are not necessarily only about rate, but also about the conditions and terms of the mortgage that will allow you to pay off this second home mortgage as quickly as possible. This is where the services of a knowledgeable mortgage broker can help arrange the perfect structure for your cottage mortgage Ontario.

There are generally two types of cottages:

Type A – These types of cottages are those that are generally used year round, even throughout the winter months. Because of this year-round use, these homes usually have heating and road access, and are zoned appropriately (residential, seasonal or rural). Home buyers can get financing for up to 95% of the home’s price.

Type B – These vacation homes are usually used only during the summer months, and therefore don’t usually need or have a heating system. These homes have seasonal road access, and can be financed up to 75% of the home’s price.

You can begin creating memories that will last a lifetime by spending quality moments with friends and family at a fun and relaxing vacation home. Getting a mortgage specialist to help you attain the proper cottage mortgage can help to make these memories happen right away.

Mortgage agents, like award winning Claire Drage, can find you the right mortgage terms, conditions and rates that are customized to suit your particular situation. Claire can connect with lenders across Canada, and find the one who will provide you with the lowest rates and the best terms possible. You only fill out one application and have one credit report pulled. Claire can then shop your cottage mortgage over big banks, private lenders, trust companies, credit unions and other financial lenders. Payment options can be quite flexible, and tailored to your financial position so that you can make comfortable payments, while paying off your mortgage as quickly as possible.

cottage mortgage financingGet Claire to help you realize your dreams of buying the perfect vacation home for you and your family.  Her and her team also do mortgage renewals, home equity lines of credit, new to Canada mortgages and mortgage refinancing.

Call Claire today for a personal and confidential financial evaluation and consultation.  She could save you thousands on your mortgage – all at no cost to you!  Give her at call at 289-679-0123 or learn more at www.yourmortgageoptions.ca.

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