Billede af showet The Real Estate and Mortgage Show

The Real Estate and Mortgage Show

Podcast af Walter Monteiro

engelsk

Business

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Læs mere The Real Estate and Mortgage Show

The Show is a weekly podcast giving Canadian Home Buyers advice,information & helpful tips of what you should know about buying real estate in Canada’s hot real estate Market. #realestate #canada #mortage #ontario #cambridge

Alle episoder

199 episoder

episode The Myth of the Long-Term Fixed Mortgage cover

The Myth of the Long-Term Fixed Mortgage

The Myth of the Long-Term Fixed Mortgage   The Myth of the “Long-Term Fixed Mortgage” in Canada Many Canadians believe a mortgage means locking into the same fixed rate for 20–30 years. But the Canadian mortgage system works differently — and it gives you more control. Canada offers flexible mortgage options, allowing you to choose a structure that fits your financial goals. The most common option? ✅ 5-year fixed mortgage rate — reliable, predictable, and great for long-term budgeting. But you can customize your mortgage with options like: 🔹 Variable-rate mortgages tied to Bank of Canada movements 🔹 Short-term mortgage rates if you expect interest rates to fall 🔹 Insured vs. uninsured mortgages depending on your down payment 🔹 Hybrid mortgage strategies that balance risk and stability Bottom line: Your mortgage should be built around your financial plan — not a one-size-fits-all rate. 📞 Call Walter today at 519-240-0360 Let’s create a customized mortgage strategy that works smarter for you. -- #CanadaMortgage #MortgageTips #FixedRateMortgage #VariableRateMortgage #MortgageCanada #InterestRatesCanada #HomeBuyingTips #CanadianRealEstate #MortgageAdvice #RealEstateCanada #FirstTimeHomeBuyer #MortgageBroker #WalterMonteiro #KWCRealEstate #OntarioRealEstate

25. maj 2026 - 1 min
episode Want a Mortgage in Canada? Know These Numbers cover

Want a Mortgage in Canada? Know These Numbers

Want a Mortgage in Canada? Know These Numbers 🇨🇦🏡 Planning to buy a home in Canada? Your Debt Service Ratios are among the biggest factors in getting approved for a mortgage. Understanding these numbers can help you qualify with more lenders — and secure better rates. In Canada, lenders don’t use DTI like the U.S. Instead, they measure two key ratios: ✅ What is GDS (Gross Debt Service Ratio)? The percentage of your income that goes toward housing costs: • Mortgage payment • Property taxes • Heating • Condo fees (if any) ✅ What is TDS (Total Debt Service Ratio)? Your GDS plus all other monthly debt payments: • Credit cards • Car loans • Personal loans • Lines of credit 📊 Mortgage Approval Guidelines in Canada To qualify with most lenders, aim for: • GDS under 39% • TDS under 44% Keeping your ratios within these limits increases your chance of getting approved for a mortgage — especially with prime lenders and big banks.   👉 Want to check if you’re mortgage-ready? Send me your numbers and I’ll calculate your GDS and TDS for you. ⸻ 🔍 mortgage canada, GDS Canada, TDS Canada, debt service ratio explained, how to qualify for a mortgage Canada, home loan Canada, first time home buyer tips, mortgage approval Canada, Canadian mortgage requirements, real estate Canada 2025

18. maj 2026 - 1 min
episode Property Taxes: Why They Always Go Up cover

Property Taxes: Why They Always Go Up

Property Taxes: Why They Always Go Up   Why Property Taxes Keep Going Up (and How to Plan for It) 🏠💸 Property taxes are a normal part of owning a home… but why do they always seem to rise every year? 🤔 In this video, we break down the two biggest reasons property taxes increase — rising home values 📈 and local community services 🏫🚓. Learn how your property’s assessed value impacts your tax bill and why it’s smart to budget for future increases, not just your first year’s payment. 👉 If you want accurate property tax insights or need help researching the tax history of a neighborhood, I can help you plan smarter for the long term.   #RealEstateTips #PropertyTaxExplained #HomeBuyingTips #BudgetSmart #RealEstateInvesting #HomeOwnership #PropertyValue #TaxPlanning

5. maj 2026 - 1 min
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