How important is your credit score? Clinton and Todd sit down at the Mortgage 101 table to discuss the significance of credit scores and financial health when buying a home. The two chat about the importance of understanding credit scores and repayment history, and the ongoing need for us to pay our taxes, monitor finances, particularly for self-employed individuals. 

James Dwyer, of Engel & Volkers, joins Clinton Wilkins and Todd Veinotte to discuss the Halifax real estate market and why there may be a notable increase in listings and sale prices compared to last year. James gives an in-depth insight into recent Halifax real estate purchasing habits and suggests that the eventual decrease in interest rates could further strengthen consumer confidence.

What gives Clinton hope for increasing homeownership in Halifax? Todd Veinotte and Clinton Wilkins are back with innovative solutions for overcoming the affordability crisis in the housing market, advocating for creative approaches, and discussing the potential of prefab homes and densification in shaping Halifax's housing landscape.

It's springtime in Halifax - birds are singing, flowers are blooming, and the real estate market is booming! Clinton and Todd talk about navigating this busy time, how to find the right lender for you, and what's going on with property taxes across HRM. The two also chat about fixed versus variable rates in today's rate environment.

Atlantic Canada, and Halifax are all working together to keep up with the demand for the growing housing industry! Clinton and Todd dive into the real estate market trends, mortgage lending trends and the observed changes in Nova Scotia, this episode. The two chat about some great locations for buying, and the importance of having a solid pre-approval before house hunting.  

If you've been thinking of where you are on the checklist of qualifying for your first home, Clinton and Todd get into the specifics this episode! From the mortgage rule changes, for first time homebuyers, to the stress test, and qualification requirements, your Mortgage 101 hosts chat about everything you need to consider when taking out your first mortgage.

What are the implications of the 30-year mortgage? Clinton and Todd sit down this episode and chat a bit more in-depth about what the 30-year mortgage means for first time homebuyers, noting the need for affordable housing options in the region, especially in urban centers like Halifax. Clinton emphasizes the importance of builders offering spec homes to cater to first-time buyers, advocating for standardized, cost-effective builds to reduce market competition and stress for buyers.

Clinton Wilkins and Todd Veinotte are back this Spring to discuss the latest budget updates, including changes in mortgages and housing incentives. Plus, a debate between Beyonce and Dolly Parton country renditions and how the new housing incentives for new builds may expand the construction industry here in Nova Scotia!

Clinton and Todd explore the evolving landscape of homeownership, offering insights and expertise! Join us this episode of Mortgage 101, as we dive into discussions ranging from Halifax's growing reputation, to the nuances of mortgage lending. 

From rising debt levels to the impact of refinances and renewals, hosts Clinton and Todd sit down with guest Sandi Burns to provide insightful analysis and predictions for navigating the ever-changing landscape of homeownership. In this segment of Mortgage 101, we dive into the current trends shaping the mortgage market.