Mortgage 101 with Clinton Wilkins

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.

In this episode Clinton and Todd are joined by Sandi Burns, AVP Residential and Retail Credit Risk, to talk about Mortgage fraud. Fraud is on the rise. And not just by the those looking for illegal gains. Sandi talks about the complexity of fraud for shelter, fraud for profit and the risks of fraud that affect more than lenders and borrowers.Clinton and Todd highlight some tips for detection and prevention, and encourage borrowers to always ask the important questions to an unbiased mortgage professional.

Clinton and Todd are excited for Spring! They chat about the Spring Real Estate Market, being one of the biggest, and how it comes with its own set of market prices and trends. Clinton makes some predictions on what will happen once rates start to drop, and the two chat about downsizing and build options for buyers excited to spring into their new home!

This segment Clinton and Todd dive into the importance of the pre-approval process in home buying. They touch on necessary financial decisions to make before buying a home, the limitations of some home purchases and going with reputable mortgage brokers.

This segment Clinton and Todd bring on contractor and civil engineer, Dan Monk, to chat about home renovation costs and trends in Halifax, some red and green flags to look out for when hiring contractors, and some simple renovations or improvements you can make to help you love your home.

This segment Clinton and Todd continue their chat about love and home improvement with an emphasis on the factor love plays in buying a home. They chat about planning for relationship breakdowns, spousal buyout options, and financial honesty and transparency in relationships.

This segment Clinton and Todd get into loving your home and home improvement for February. They chat about the housing market, and interest rates in Halifax. Clinton makes an interesting prediction, and the two wrap up the chat with home renovation and HELOC advice.

This episode we outline some of the financial planning involved with the mortgage renewal process.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help!Contact us here: https://teamclinton.ca/contact-us/Check us out on social media:Facebook: https://www.facebook.com/teamclintonhalifaxInstagram: https://www.instagram.com/halifaxmortgageTwitter: https://twitter.com/clintonwilkinsLinkedIn: https://www.linkedin.com/company/teamclinton

This episode Clinton and Todd are joined by Tina Powell, a licensed insolvency trustee and Senior Vice President with MNP limited. They discuss debt trends in Atlantic Canada, financial hardship and debt solutions.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help!Contact us here: https://teamclinton.ca/contact-us/Check us out on social media:Facebook: https://www.facebook.com/teamclintonhalifaxInstagram: https://www.instagram.com/halifaxmortgageTwitter: https://twitter.com/clintonwilkinsLinkedIn: https://www.linkedin.com/company/teamclinton

Clinton Wilkins joins CityNews with Rob Snow to talk about the latest Bank Of Canada Update for January 2024. Clinton provides some insight on what no movement of interest rates means for mortgage lenders.

Are you worried about having to refinance your mortgage? This episode we cut through the stigma and dive into the reality of refinancing; the reasons why, the strategy on 'how to' and using it as a retooling to help pay off other debt.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Happy New Year and Merry Debtmas from Clinton Wilkins and Todd Veinotte! In this episode, the two talk about financial literacy, debt, and mortgage trends for 2024. Clinton and Todd also talk about property valuation services, as well as the advantage of home prices in Nova Scotia today. Welcome back to Mortgage 101! Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

In our last segment of Mortgage 101 for the year, Clinton Wilkins and Chris Turcotte, President of CENTUM Financial, chat with Todd Veinotte and answer listener questions regarding extending rates, how mortgages impact your credit score, down payment assistance in Nova Scotia, title insurance and why Unbiased mortgage professionals empower informed decisions

In our next segment of Mortgage 101 live from City News, Clinton and Todd are joined by Chris Turcotte, President of CENTUM Financial Group to answer listener questions. They discuss mobile homes, where the Canadian market is standing currently, supply and demand challenges, mortgage renewals and rate extensions.

How can working with First Canadian Title help you in the mortgage transfer process? In this segment of Mortgage 101, live from City News, Clinton and Todd dive deeper into the mortgage transfer process and talk about how to prepare for a transfer and why FCT can streamline the process and eliminate costs for homeowners.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Clinton Wilkins joins Todd Veinotte on CityNews to talk about the last Bank Of Canada Update for 2023 and what it means for the rates next year. They talk about how the job market impacts the rate environment, the benefits of a maintained rate, predictions for softer rates in the new year and the importance of financial health going into 2024.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

In a brand new edition of Mortgage 101 live from CityNews, Clinton Wilkins and Todd Veinotte welcome special guest Brenna Charles, Vice President - Sales, Broker Channel with FCT. They discuss the mechanics and benefits of changing mortgage lenders, and what to expect when you work with FCT. They also discuss the Canadian Mortgage Charter and the benefits of the stress test.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

On our last segment from our Mortgage 101 live radio show, Clinton Wilkins and Todd Veinotte take more calls and answer their burning questions. They break down how to protect yourself against title fraud, the risks associated with clearing your mortgage and the specific stipulations for financing a tiny home.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Live from CityNews, Clinton Wilkins and Todd Veinotte answer listener’s mortgage-related questions. They discuss the land title migration system in Nova Scotia, reverse mortgages for retirees, how seniors can leverage home equity lines of credit, and mortgage options for first time home buyers.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

On this special live edition of Mortgage 101, Clinton and Todd dive even deeper into insurance with financial advisor Dan Lomas. They discuss why Canadians need more insurance than they usually have, the application process, the value of the home in net worth and why it’s so important to get an unbiased second opinion.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Insurance can be intimidating and complex. That’s why it’s so important to seek out advice from unbiased professionals. In this edition of Mortgage 101, we are live at CityNews with Clinton Wilkins and Todd Veinotte, and joined by special guest Dan Lomas, financial advisor at Desjardins Financial Security Independent Network. Clinton, Todd and Dan dive into the world of insurance, discussing the differences between creditor insurance and whole life term policies, the underwriting process and how payouts and premiums are handled differently.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Why is owning a home so crucial to building your net worth? In the last pre-recorded segment of the year, Clinton and Todd are talking about assets and building net worth through real estate. They discuss the various kinds of assets a person can have, the value of real estate in net worth, current challenges in the Halifax housing market, and creative housing solutions.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

There’s so much to learn when it comes to C-word: Credit. Clinton Wilkins and Todd Vienotte are letting you know how to conquer your credit challenges in this latest edition of Mortgage 101. They discuss how free apps can help you monitor your credit, how to build and repair your credit and how to make use of credit reporting agencies. PLUS: What are the factors that go into good credit?Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

How does your income impact your mortgage options? In this instalment of Mortgage 101, Clinton Wilkins and Todd Veinotte dive into the intricate relationship between different income types and their impact on securing a mortgage. They also talk about the various kinds of self-employment and make some predictions for interest rates in 2024.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

How can Canadians get more financially fit? In this edition of Mortgage 101, Clinton and Todd are kicking off Financial Literacy month by discussing the crucial aspects of financial literacy and preparedness. They chat about why being organized and having your documents in one place is crucial, and why you should never procrastinate on your renewal. PLUS: Why Canadians should brace for a frugal holiday season.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte discuss the value of financial literacy and reviewing your rate options, especially in a time of financial hardship. Plus, learn what is in store for Financial Literacy Month in November.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Clinton Wilkins joins Sam Laprade on CityNews to talk about the latest update from the Bank of Canada. They discuss why homeowners can start to breathe more easy, the slow burn to softer rates, why it’s important to talk about your finances, and what homeowners can do to prepare for renewals.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Join Clinton Wilkins and Todd Veinotte as they chat with real estate agent James Dwyer about the ever-evolving real estate landscape in Halifax. They talk about the latest market trends, the increasing competition and savviness amongst buyers, the status of entry-level homes, sought-after neighbourhoods, and the hidden gems often overlooked by buyers. Plus, gain valuable guidance on the crucial factors to consider when selecting the ideal realtor.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

How can homeowners pay down their mortgages effectively during a housing crisis? Clinton Wilkins and Todd Veinotte discuss the impact of variable rates, the risk of negative amortization, static payments, potential variable rate increases, and the advantages of adjustable payments. Also, explore the pressing need for diverse housing in Halifax.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Many Canadians are in a crisis because of rising interest rates. How is inflation affected by our increasing rate market? In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte discuss the complex impact of high rates on inflation, how payments are affected and challenges in rural areas. Plus, why should fixed-rate borrowers up for renewal should be worried?Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

In this edition of Mortgage 101 Clinton Wilkins and Todd Veinotte discuss the intricacies of mortgage rates, offering insights on what NOT to settle for and why the lowest rate might not be your best choice. They also discuss variable rates and Clinton sheds light on who should consider this option. Plus, as the demand for mortgage wisdom continues to rise among homebuyers, Clinton and Todd explore the surge in homebuyer curiosity and why the 3-year fixed rate is the most popular rate right now.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Clinton joins Todd Vienotte on CityNews to discuss a recent news story about new mortgage guidelines for amortizations. Todd and Clintonn talk about variable and static payments, the concern around renewals, and the impact of rising mortgage rates on homeowners.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

In this edition of Mortgage 101, Clinton and Todd are talking rates, down payments and amortizations. The guys discuss why fall is a great real estate season, where the rates are at now, how things have changed over the years, borrowing down payments and amortization options.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

In his edition of Mortgage 101, Clinton Wilkins and Todd Veinotte talk about how the pandemic has impacted inflation and the housing supply. The guys talk about inflation trends, predictions for the rates going forward, the affordable model and rising rental demand.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing the impacts natural disasters have on insurance and the housing market. The guys talk about the importance of re-evaluating insurance and the property factor in risk tolerance.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

What should we know about renewals? How do we prepare and when should we start thinking about it? Clinton Wilkins and Todd Veinotte are diving into renewals in this edition of Mortgage 101. The guys chat about why it’s important to deal with it early, the importance of advice and having an advocate and how to prepare for a renewal.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Why is the housing market so difficult right now? In this edition of Mortgage 101, Clinton and Todd are discussing the critical issues surrounding the housing market and inflation. They talk about supply and demand issues, how inflation impacts the Bank of Canada, trends in buying rentals and the condominium market compared to freehold properties.Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

In this edition of Mortgage 101, Clinton Wilkins and Todd Vienotte discuss how homeowners can find stability in today’s market. They chat about the importance of a fallback plan, why owning a home is not for everyone and how homeowners are changing their situation to be more stable.Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!Contact us here: https://teamclinton.ca/contact-us/

In this brand new edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing how to navigate insurance in an unpredictable world. They talk about the main issues surrounding recent disasters, why people might be underinsured, the importance of a broker, why you should always be reviewing your insurance and how climate change is affecting insurance.Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!Contact us here: https://teamclinton.ca/contact-us/

Credit is key when it comes to getting a mortgage. In this segment of Mortgage 101 Clinton and Todd are helping you better understand your credit score. The two chat about the biggest factors that impact your score, what factors will raise more questions, what not to do before a mortgage closes and how to fix your credit issues.Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!Contact us here: https://teamclinton.ca/contact-us/

In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing the various alternative ways to get a mortgage. They talk about the stress test, utilizing multiple borrowers and more.Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!Contact us here: https://teamclinton.ca/contact-us/

In this edition of Mortgage 101, Clinton and Todd are talking all about Pride in homeownership. They discuss the challenges facing the queer community, the factors surrounding why homeownership is low in the community and discrimination in the mortgage world. Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!Contact us here: https://teamclinton.ca/contact-us/

How are homeowners preparing for rate increases? In a new edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing the impact of interest rate increases on mortgages and how homeowners can weather the storm, according to the type of rate they are in.Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help!Contact us here: https://teamclinton.ca/contact-us/

In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte revisit everything refinancing. The guys discuss the reasons why people refinance, when to do it, how it works and more.