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!

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Featured Article

10 Ways For How To Build Credit Score in Canada

In today’s financial landscape, having a solid credit score is ...

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How Canada's 5-Year Bond Yield Influences Mortgage Rates

How Canada’s 5 Year Bond Yield Influences Mortgage Rates

In the complex world of Canadian real estate financing, one of the most pivotal yet often overlooked factors is the influence of Canada’s 5 year bond yield on mortgage rates. This relationship is vital for anyone in the market for a new home or considering refinancing options. Understanding how these bond yields sway mortgage rates ...
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down payment for-first time home buyer in canada guide

Down Payment For First Time Home Buyer In Canada Guide

Embarking on the journey of purchasing your first home in Canada is an exciting, albeit daunting, venture. One of the most significant steps in this process is understanding and preparing for your down payment. This article delves into the essentials of down payments for first-time home buyers, offering insights and advice to make this journey ...
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Quick Guide to First-Time Home Buyer Programs in Nova Scotia

A Quick Guide to The First-Time Home Buyer Programs in Nova Scotia

Hey There, Future Homeowners! Ready to take the leap into buying your first home in Canada? It’s super exciting, but let’s be honest, it can feel like a bit of a maze. Let’s break down the first-time home buyer programs that Canada offers, making your journey to homeownership a bit smoother and definitely more affordable. ...
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bank vs broker alex lavender

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

Why Use a Mortgage Broker? A mortgage broker is a one-stop shop that looks out for your best interests. You can think about it on a much smaller scale like this: If you are purchasing a TV, you can either go directly to the company’s store or to a big box store that supports 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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