Tim Hill, MBA

Mortgage Broker


***NEW*** May 2018 “Qualifying Rate Change”
January 2018 OSFI “Stress Test Changes”
Update #2 Oct 30: Oct 2017 OSFI Changes to Mortgage Lending Rules
Oct 2016 Changes to Mortgage Lending Rules 
Homebuyer’s Guide (updated Oct 2017)
Credit Scores & Credit Repair Guide
Mortgage App (iOS / Android)
Primex Brochure
CHIP Mortgage Brochure
Reverse Mortgage Guide (CHIP)
Profile (CMP Magazine)
Primex Privacy Agreement

Presentations (PowerPoint converted to .pdf)

Mortgage Refinance – Debt Consolidation Presentation
Reverse Mortgage Presentation 

Mortgage & Real Estate

Verifying Your Down Payment – What You Need To Know
Bank of Canada

Credit Bureau (Equifax Canada)
Canada Mortgage & Housing Corporation
Canada Guaranty
Genworth Financial Canada
Canada Revenue Agency, (order your NOAs: requires Line 101 and takes 5 – 10 days to get Access Code)
Canadian Association of Home and Property Inspectors
Canadian Home Builders Association

Consumer Information: External Links

*NEW* CMHC Home Buying Guide
CMHC Condominium Buyers’ Guide
CMHC Homebuying Workbook
Mortgage Comparison Tool (taxtips.ca)
Rent vs. Buy Calculator
Mortgage Broker Consumer Guide 2015 (external link to digital media)
How much does it cost to break a mortgage? (Globe and Mail Video)
The hidden trap of mortgage penalties at the big banks
What is Title Insurance and Why Would I Need It?
Don’t judge a bank’s mortgage by its hyped-up rate
Five Reasons to Use a Mortgage Broker (.pdf from B2B Bank)