Mortgages Explained - Latest Posts

Alex Lavender helps Nova Scotians get the best mortgage for your dream home. Whether you need a self employed mortgage or are looking to do construction with a mortgage plus improvements program, Alex can help. Or if you’re just looking for more information on mortgages checkout these blog posts for helpful tips. Alex is one of Halifax and Dartmouth's top rated mortgage brokers. Known for his kindness and flexibility he provides you with all the info you need to get the best rates!

GST/HST New hosue rebate in canada for first time homebuyers
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GST/HST New Housing Rebate for First-Time Homebuyers in Canada

Stepping into your new home is an exhilarating experience, but ...

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nova scotia down payment assistance program dpap

Nova Scotia’s Down Payment Assistance Program (DPAP)

Taking the first step into homeownership is thrilling, but let’s be honest, coming up with that down payment can be a bit of a hurdle. If you’re a first-time homebuyer in Nova Scotia, I’ve got some great news for you. The Down Payment Assistance Program (DPAP) is here to lend a hand. Let’s dive into ...
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HBTC home buyers tax credit canada

Getting to Know the Home Buyers’ Tax Credit: A Perk for First-Time Buyers in Canada

Stepping into your very first home is a moment full of excitement and a bit of nervous energy, right? Well, here’s something to ease the nerves and boost the excitement: the Home Buyers’ Tax Credit (HBTC). If you’re a first-time homebuyer in Canada, this little tax perk could be a nice cherry on top of ...
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first time home buyer incentive canada alex lavender

The First Time Home Buyer Incentive Canada (FTHBI): Your Key to Easier Homeownership

So, you’re thinking about buying your first home in Canada, right? It’s pretty exciting, but also, let’s be real, kind of overwhelming. That’s where the First-Time Home Buyer Incentive (FTHBI)* comes into play. It’s like having a financial sidekick to make your entry into homeownership a little easier. Let’s dive into what this program is ...
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happy couple first time homebuyers, rrsps homeownership

Unlocking Your RRSPs for Homeownership: The How-To on Canada’s Home Buyers’ Plan

You’ve been diligently squirreling away funds into your RRSP (Registered Retirement Savings Plan), eyeing the future. But what if I told you that your future home could be a part of that picture, too? Enter the Home Buyers’ Plan (HBP), a program that lets you use your RRSP savings to make the leap into homeownership. ...
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Financial planning for homebuyers guide

Financial Planning for Homebuyers

Buying a home is a serious decision you can make, but it has its challenges along the way, especially when we talk about funds. Effective financial planning is essential to transform your dream of homeownership into a reality.  Let’s check in-depth insights and practical tips for financial planning. 1. Assess Your Financial Health Before diving ...
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mortgage renewal vs refinance

Mortgage Renewal vs Refinance Guide

Navigating the differences between a mortgage renewal and a refinance can be a complicated process for many homeowners. Tackling this monetary conundrum is no mean feat, especially when attempting to make the most financially astute choice. The terms mortgage renewal and refinance often get tossed around interchangeably. However, they are distinct processes with different implications ...
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porting a mortgage

Porting Your Mortgage / Mortgage Transfer Guide

Do you want to transfer your mortgage to another lender or bank? In Canada this is referred to as porting a mortgage. This mortgage transfer guide will break down exactly how you can transfer or port your mortgage to benefit from keeping your existing rate , while you sell your property to buy a new ...
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how to reduce mortgage payments

4 Creative Ways To Reduce Your Monthly Mortgage Payments

Homeowners across Canada are feeling the pinch of increasing interest rates, causing our monthly mortgage payments to jump. A mortgage is typically the largest debt most homeowners have, and managing it can be a considerable financial challenge. However, there are effective methods available to reduce your monthly payments, giving your budget more breathing room. In ...
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first time home buyer nova scotia

First Time Home Buyer’s Guide For Nova Scotians

Are you a first time home buyer? Don’t be stressed! Alex Lavender is a Halifax local and author of the best selling book Mortgages For Millennials. He’s a mortgage broker that has helped thousands of Nova Scotians buy their first home. This first home buyers guide will break down exactly what the home buying process ...
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5 ways to reduce your mortgage payments

How to reduce your mortgage payments in a high interest rate environment

The Bank of Canada is serious. They are committed to increasing interest rates to fight inflation at all costs. But how can you reduce your mortgage payments if you’re up for renewal or have a variable rate mortgage? This is how you can save money and reduce your mortgage payments. #1 Increase your mortgage amortization ...
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