Mortgage 101 with Clinton Wilkins

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.

In this edition of Mortgage 101, Clinton Wilkins and Todd Vienotte are discussing the impacts of the recent Nova Scotia wildfires. They talk about what to do when you lose your home, how to work with your insurance, guaranteed rebuild and the importance of asking for help.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/

Clinton Wilkins and Todd Vienotte discuss the flexibility of a variable mortgage, why we aren’t in a buyer’s market yet, and why first time homeowners are buying homes right now.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 our latest edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing the latest increase in interest rates, how it’s creating cracks in credit profiles, misconceptions about rate increases and how to navigate the runaway train of inflation. 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/

On the latest edition of Mortgage 101 - Clinton Wilkins and Todd Veinotte are discussing home equity lines of credits and refinancing. The guys discuss the importance of shopping around at renewal, the value of amortizing a HELOC and why refinances are more common.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 our latest segment of Mortgage 101, Clinton and Todd break down why people might take a variable, why it’s important to seek advice and not just consider the default, the current plateau we are in with rates, and uncertainty in the mortgage market.

In this instalment of Mortgage 101, Clinton Wilkins and Todd Veinotte discuss the current, more stable, state of the Halifax market, the benefits of condos, residential mortgages and why people might invest in apartment buildings.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/

Everyone would love to buy a home, but it can be daunting. No matter what your situation, it’s important to take the first step on the ladder. Clinton Wilkins and Todd Veinotte discuss self employment, building a nest egg for retirement, the appeal of homeownership in rural areas and why a starter home is a great first step.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/

On the latest edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are talking all about renewals. The guys chat about how to know when your mortgage is renewing, how Canadians can prepare ahead of time to speed up the process, and why lenders are extending amortizations.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 and Todd discuss what’s going on in the Halifax housing market with real estate agent James Dwyer. They talk about the inventory issues in the market, why buyers are more conservative and why listings are sitting on the market. Clinton and Todd also chat about what to look for in a realtor, and the common challenges that can arise.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 many ways to approach homeownership at different stages of life. Clinton Wilkins and Todd Veinotte discuss getting a mortgage at different ages, amortization options, reverse mortgages, Canada’s exemption on principal residences and how buying a home contributes to your net worth. 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 the heels of the latest Bank Of Canada announcement, Clinton Wilkins and Todd Veinotte chat about the job of a mortgage broker, interest rate predictions and why the government needs to get involved in the business of housing. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Clinton Wilkins and Todd Veinotte breakdown fixed and variable rates. The two discuss the differences between fixed and variable, why you might choose one over the other, and the importance of factoring in your risk tolerance. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

The market is changing. How are these changes affecting buyers and sellers? In this episode, Clinton Wilkins and Todd Veinotte talk about the changes in the market, protection for buyers and sellers, refinancing at renewal, and the different kinds of lenders.You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Busy season is on the way for mortgages! How can you prepare? In this episode, Clinton Wilkins and Todd Veinotte talk all about pre-approvals. What should and shouldn’t you do to get pre-approved? What happens if things don’t work out? Read and watch to find out!You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

The US and Canada have different banking systems but trends in the US may impact Canada more than you think. In this episode, Clinton Wilkins and Todd Veinotte discuss the complex banking system challenges in the US, what makes Canada different and how the trends in the US will impact our market.You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

When it comes to buying a home, two incomes is certainly better than one. But even then, there can be challenges. In this episode, Clinton Wilkins and Todd Veinotte discuss cohabitation agreements and how to approach finances in your relationships.You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

So you’ve decided to refinance your home. What next? Clinton Wilkens and Todd Vino discuss the process of refinancing, what to expect and how to manage investing back into your home. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Buying or selling a home involves lots of practical work. Clinton Wilkens and Todd Veinotte chat with realtor James Dwyer all about how to approach home improvements if you’re looking to sell, and the state of the current market for buyers and sellers.You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

So you’ve decided to refinance your home. What next? Clinton Wilkens and Todd Vino discuss the process of refinancing, what to expect and how to manage investing back into your home. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

What do you need to know as a new Canadian looking to buy a home? In this episode, Clinton Wilkins and Todd Veinotte talk all about mortgages for new Canadians, why Canada is a great place to buy a home and the many challenges with new construction.You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

It’s a stressful time for consumers. Especially for those who are on variable rates or are due for renewal. In this episode, Clinton Wilkins and Todd Veinotte chat about how consumers can protect their finances with a stress test and the flexibility of a variable rate.These questions answered and more. Tune in to find out.You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

It’s property assessment time. In this episode, Clinton Wilkins and Todd Veinotte discuss what this means to you and the industry. Why are assessments lagging behind market value? What can you do if you have an increase in your property assessment? What’s going on with property tax accounts? These questions answered and more. Tune in to find out.You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In the first episode of Season 5, Clinton Wilkins and Todd Veinotte ring in the New Year and discuss a client based approach for mortgage approvals. Everyone can get a mortgage, but at what cost? Understanding your options is key to making smart decisions. Clinton and Todd discuss some of the challenges for 2023 and offer some insight on how to navigate conversations around finance.Is the New Year the right time to rethink your finances? Tune in to find out.

Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews, is a monthly radio show where the guys discuss everything there is to know about getting a mortgage, as well as answering listener phone-in questions.You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 12, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys wrap-up Financial Literacy Month by talking about how you can keep financial litercy going into the holidays, and really throughout the new year. The two also bring on special guest James Dywer, a well-known realtor in the Halifax area who knows the market in and out! You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 11, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys kick-off Financial Literacy Month by talking about Canada's economic climate and what Canadians can do to be proactive about their mortgage and finances. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 10, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about mortgage rates, bring on special guest Christ Turcotte to talk about the real estate climates in other parts of Canada, and end the episode on a potentially controversial discussion about first time home buyers! You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 9, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about all the hot news topics around Canada's economy like the Bank of Canada, rate changes and inflation. They end the segment by answering the burning question: Is the fall the right time to buy a home and get a mortgage? You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 8, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about everything you need to know about the economic situation in Canada, specifically how that pertains to mortgages, what it looks like to be on a variable rate mortgage, and also discuss the differences between homeownership wants and needs. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 7, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about the Bank of Canada and inflation, and what that will mean for your mortgage, plus speak to special guest Engel & Völkers Realtor, James Dwyer about the Halifax real estate market, and lastly finish up with Pride and Homeownership! You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 6, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about variable vs fixed interest rates, refinance and update listeners on the housing market in Nova Scotia. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 5, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about the Canadian Mortgage Awards, the proposed additional deed transfer tax for Nova Scotia home owners who are not from the province, and a current hot topic we've had many questions about recently: Alternative lending. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 4, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about the upcoming Bank of Canada interest rate announcement, how you can make sure your mortgage meets your current needs, and how you can finance a new construction home! You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 3, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about springing into homeownership! From the Bank of Canada's increase to interest rates, renovations, updates on the housing market, and to the new trend of families giving large gifted down payments, you won't want to miss the information in this episode! You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

In Season 4, Episode 2, of Mortgage 101 with Clinton Wilkins and Todd Veinotte, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk all things love in this Valentine's Day special. Learn all about how you can love your home with simple to big project improvements, how first-time home buyers can love their first home, and the details of buying a home with someone you love. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Clinton Wilkins and Todd Veinotte are back for the fourth season of Mortgage 101! In episode 1, as heard on CityNews 95.7 Halifax and new this year, CityNews 101.1 Ottawa, the guys talk about Merry Debtmas and how increasing your credit and a refinance can help you recover after some overspending during the holidays. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca