Colin BallantyneToo much debt reduces your maximum mortgage approval. Learn how your existing debt load affects your mortgage application in Canada and what you can do to improve your GDS and TDS ratios.
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Colin BallantyneUsing a mortgage agent instead of a bank gives Canadians access to more lenders, better rates, and unbiased advice. Here's why it matters for your mortgage.
Colin BallantyneRent or buy — which makes more financial sense right now? Compare the real costs of renting vs buying a home in Canada and decide what works for your situation.
Colin BallantyneThe RRSP Home Buyers Plan lets first-time buyers withdraw up to $35,000 tax-free for a down payment. Learn how it works and how to combine it with your FHSA.
Colin BallantyneThe FHSA lets first-time buyers save up to $40,000 tax-free toward a home. Learn how it works, who qualifies, and how to combine it with your RRSP Home Buyers Plan.
Colin BallantyneUnderstand the difference between mortgage pre-approval and pre-qualification in Canada — and why getting pre-approved before you house-hunt matters.
Licensed mortgage agent and investor.
Strategy-first advice. 25+ years in Canadian real estate and mortgage strategy
License: Mortgage Agent, FSRA Ontario | Lic. M22000539
Brokerage: BRX Mortgage
Colin Ballantyne is a licensed mortgage agent with BRX Mortgage.
Not all applicants will qualify. This website is for informational purposes only and does not constitute financial advice.
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