Self-Employed? Get Approved for a Mortgage Today!
If you’re a self-employed individual, then you already know all the perks that come with being your own boss: making your own decisions, setting your own schedule, and so forth. But there are also some disadvantages that come with being self-employed, including the fact that you don’t fit the ‘mold’ when applying for a mortgage with the banks to purchase a home.
The main problem that the self-employed face when qualifying for a mortgage is the need to prove income with tax returns. Whereas borrowers who are employed by companies get a regular pay check and paystub which helps them prove their income, those who are self-employed have to go to much greater lengths in order to prove that their financial position is sufficient enough to cover mortgage payments. Standard bank forms do not let you provide additional info, like receivables, growth potential, assets and intellectual property.
With over 15 percent of the Canadian population falling under the self-employed category, they have to find a way to get approved for a much needed self employed mortgage in Ontario. If you are self employed or earn a commission-based salary, your best bet is to work with a mortgage specialist who can help you find a home loan at terms and rates that work with your current and future needs.
Call the Specialists in Self-Employed Mortgages!
If you’re in need of a self employed mortgage in Ontario, you need to work with experienced mortgage experts that know how to find lenders for hard-to-place mortgages. A mortgage broker shops your mortgage over lenders across Canada – from big banks to investment companies, credit unions, financial investors and private lenders. They work for you – not the bank – to help you get the home loan you need. You don’t have to fill out multiple applications or have each lender pull a credit report. When you work with a reputable company – like the Mortgage Medics, they sit down with you to do a private and confidential consultation. They can help you determine how much you can afford to spend on a home, what to expect for closing and carrying costs, and how to become mortgage free faster. The best part is, the experts at Mortgage Medics can potentially save you thousands in interest, but there is no charge for their service!
Mortgage Medics help small-medium size business owners to find the home loan or debt consolidation that they need. They understand your needs, and will look above and beyond just the fact that you’re a self-employed individual. They’ll look at components including your credit rating, debt ratios, income and more to help you get approved for a mortgage. They compare hundreds of lending products to match the ones that are best for your requirements. The Medics have access to lenders who are well-versed in providing mortgages to the self-employed.
Even if the banks turned you down, get a second opinion from a Medic! Call the team at Mortgage Medics at (905) 847-6611 or visit their website at www.mortgagemedics.ca for more information! They Medics also make house calls!
Best Option to Ease the Divorce Process
Divorce 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.
The 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?
Diane 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.
Consolidate Your Debts Using the Equity in Your Home
What 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.
How 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.
You Can Still Get a Mortgage With Bad Credit!
Bad 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
O
f 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%)
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!
Getting a Cottage Mortgage Ontario for Your Vacation Home
Ontario 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.
Get 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.
Looking for the Best Hair Removal Salon in Mississauga?
Removing unwanted body and facial hair is all part of the grooming process. But certain methods are more effective than others at providing the smooth, long-lasting effects that you’re looking for. If you are tired of shaving every day, dealing with nicks and cuts and uneven results – then you should think about getting a professional hair removal treatment. Going to the best hair removal experts also makes a huge difference in the final result.
Professional Unwanted Body Hair Removal
Rather than going the DIY route, which typically ends up giving sub-par results, do yourself a favor and let the professionals remove your unwanted body and facial hair for you. Fortelli Salon & Spa of Mississauga has been a premiere day spa for over 20 years, with highly trained and experienced estheticians. Their team utilizes the latest techniques, and uses the best equipment and products available to make sure your results are smooth and long-lasting.
At this hair removal salon Mississauga, they fully customize treatments for each client. There are 3 highly effective hair removal services you can try: precision waxing, electrolysis or intense pulse light hair removal services. The method that is best depends on your personal wants and needs, including how much hair you have to remove, how fast it grows and your budget.
Waxing
Fortelli’s uses only the highest quality wax for hair removal purposes. The wax used on their clients comes directly from Italy. RICA, a premium quality Italian wax, includes ingredients from Mt. Etna volcano in Sicily, Italy. These high quality ingredients help ensure that your hair removal experience is as effective and gentle as possible. When you get your waxing done by professionals, they know the best techniques and can view the areas under high efficiency lighting, to get the most even results. You can choose one or multiple areas during your waxing session. Most popular are eyebrow wax, bikini, leg and backs for men.
Electrolysis
Fortelli Salon and Spa also offers electrolysis treatments to remove unwanted hair. Their technicians use a small needle that targets the hair follicle to remove the hair. Over a certain period of time and after a few treatments, electrolysis can be a very long-lasting and nearly permanent way to remove hair on your body and face!
Intense Pulse Light
For a more advanced means of removing hair, they also offer intense pulse light hair removal. With this method, the melanin in hair is targeted with a great deal of precision, removing the hair while leaving the surrounding skin untouched. This is a safe way to permanently reduce hair growth on specific areas of the body. Some of the most popular treatment areas are the chin, ears, upper lip, legs, bikini area and underarms. Men often do sideburns, the back and chest. You’ll be left with long-lasting, smooth results. If you really want to get away from shaving, investing in IPL therapy is your best bet.
When you are ready for smooth, silky skin, visit Fortelli Salon & Spa in Mississauga for the best hair removal results. You can learn more at www.Fortelli.com or call for an appointment at: (905) 824-4949.
Toronto’s Best Day Trip
What is the Number One Day Trip from Toronto?
If you are visiting Ontario, you will not want to miss the number one day trip from Toronto to Niagara Falls! If you want to check out the world famous Niagara Falls, do it the right way – through an organized, guided tour. The highest rated tour company, according to voters on Trip Advisor, is Niagara Day Tour. This highly rated and reputable tour operator offers day tours from Toronto to Niagara Falls filled with fun and excitement, but without all the hassle.
Anyone living or visiting the Southern Ontario area absolutely must check out Niagara Falls, considered one of the top natural wonders of the world. Considering its only 90 minutes from Toronto, there really is little excuse not to visit this amazing place at least once! Niagara Day Tour makes the entire trip as enjoyable as possible, offering smaller, more personal vans and informative, licensed tour guides, with stops along the way to take pictures and a ton of time near the actual falls to take a boat ride, check out the casino and climb Clifton Hill.
Amazing Attractions in the Region!
You’ll get the opportunity to check out amazing attractions in the beautiful Niagara Region, including:
- Niagara-on-the-Lake
- Brock Monument
- Floral Clock
- Hydro-Electric Power Stations
- Winery Tours
- Niagara Cruise Boat Ride
- World’s Smallest Chapel
- Clifton Hill
- Skylon Tower
- Casinos
- Helicopter Tours
Of course, the highlight of your day will be the mighty Niagara Falls! Your tour guide with give you plenty of time to explore the Falls – more time than you get with other day tours. In fact, while other tour companies only give their tourists about 2 hours to spend at the Falls, with Niagara Day Tour, you’ll get nearly 3 hours of fun and excitement!
Book Your Day Tour to Niagara Falls Today!
From the picturesque Niagara-on-the-Lake, to the world-renowned wineries and smallest chapel in the world, you’ll be able to spend hours of fun and excitement exploring this amazing part of Southern Ontario. You’ll have plenty of photo opportunities on this fun-filled day as you check out quaint towns and incredible scenery in Niagara!
Visit NiagaraDayTour.com to book your day trip to Niagara Falls today! Rates start at only $79 and include a full day of touring (approximately 9 hours) with pick up from your Toronto area hotel or meeting spot. Book online for the best rates at: www.niagaradaytour.com. Whether you live in Toronto or are just visiting, don’t miss the number one day tour and beautiful Niagara region.
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