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!

bank vs broker alex lavender
Featured Article

Bank vs. Broker: Choosing the Right Path for Your Mortgage

Why Use a Mortgage Broker? A mortgage broker is a ...

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navigating divorce mortgage options

Divorce Mortgage Solutions: Navigating Home Loans Post-Separation

Navigating through a divorce or separation is challenging, especially when it involves splitting assets, including your home. Understanding your mortgage options during this transitional period is crucial to ensure both parties can move forward with financial stability. As a seasoned mortgage broker, I’ve compiled essential information to help you understand the various mortgage options available ...
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canada's first home savings account FHSA

Meet the FHSA: Your New Best Friend on the Path to First-Time Homeownership

Let’s talk about a shiny new tool in your home-buying toolkit – the First Home Savings Account (FHSA). If you’re saving up for your first home and wondering how to make every penny count, the FHSA might just be the answer you’ve been looking for. Let’s dive into what this account is all about and ...
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GST/HST New hosue rebate in canada for first time homebuyers

GST/HST New Housing Rebate for First-Time Homebuyers in Canada

Stepping into your new home is an exhilarating experience, but let’s face it, it can also make a dent in your wallet. Good news, though – if you’re a first-time homeowner in Canada, the GST/HST New Housing Rebate might just be the financial breather you need. Let’s dive into what this rebate is all about ...
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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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