Mortgage 101

Clinton Wilkins, and Todd Veinotte invite Blair Patterson of Clinton Wilkins Mortgage Team to discuss some important things to note for the queer community when achieving homeownership, including affordability and safety.

July is hot and so is the housing market! With a Bank of Canada interest rate announcement on the horizon, your hosts Clinton and Todd sit down to discuss the current state of the Halifax real estate market, including the impact of interest rate changes and challenges faced by first-time homebuyers.

Do you know all the different reasons why you should refinance your home? Clinton and Todd explore the reasons why more Canadians have decided to refinance their home. Todd shares his personal experience with refinancing, and Clinton gives some major advice.

Are you relocating this posting season? Clinton Wilkins sits down with Todd Veinotte to chat about working with lenders who have Military Programs, and some of the credit requirements involved in the process of a pre-approval.

Clinton and Todd dive deeper into the Bank of Canada's decision to reduce the key overnight rate by 25 basis points. The two discuss how this affects mortgage rates and how it inspires confidence in the real estate market.

Newly awarded by the Canadian Mortgage industry for Best Media/Marketing Campaign across Canada, Clinton Wilkins, and Todd Veinotte chat about industry misconceptions, the importance of seeking advice from an unbiased mortgage professional, and the benefits of going to a full-service brokerage.

How important is your credit score? Clinton and Todd sit down at the Mortgage 101 table to discuss the significance of credit scores and financial health when buying a home. The two chat about the importance of understanding credit scores and repayment history, and the ongoing need for us to pay our taxes and monitor finances, particularly for self-employed individuals.

James Dwyer, of Engel & Volkers, joins Clinton Wilkins and Todd Veinotte to discuss the Halifax real estate market and why there may be a notable increase in listings and sale prices compared to last year. James gives an in depth insight on recent Halifax real estate purchasing habits, and suggests that the eventual decrease in interest rates could further strengthen consumer confidence.

What gives Clinton hope for increasing homeownership in Halifax? Todd Veinotte and Clinton Wilkins are back with innovative solutions for overcoming the affordability crisis in the housing market, advocating for creative approaches, and discussing the potential of prefab homes and densification in shaping Halifax's housing landscape.

In a brand new edition of Mortgage 101 live from CityNews, Clinton Wilkins and Todd Veinotte discuss the spring real estate market, finding the right lender for you, and what's happening with today's property taxes. They also discuss learning about fixed vs variable rates.