If you are thinking about refinancing your home, we can offer you a variety of loan products that offer financing options with lower rates and/or payments than you are currently dealing with. The equity you’ve built up could put money in your pocket with a cash-out refinancing.
Considering whether to refinance depends on a lot of factors. Your answer to “why” may include wanting to lower your payments, shorten your loan term, or possibly tap into your equity to pay off debt or even build a pool in the backyard this summer. Each type of refinancing has nuances that can affect the type of loan program that is right for you.
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St. Patrick’s Day is a global celebration of what it means to be Irish; the spirit, the determination, the creativity and the indefinable qualities that make the Irish people who they are.
Here in Canada, we celebrate the holiday by drinking spirits and partaking in the celebration of Irish culture with parades, special foods, music, dancing, and a whole lot of green.
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Let’s Get Started Building A Great Financial Relationship!
Whether you’re purchasing a home, buying a commercial property, looking for private lending, financing a construction project, taking out equity from your home for investment and/or pleasure, or your current mortgage is simply up for renewal – it’s important that you are making an educated buying decision with professional unbiased advice.
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And Last Minute Mortgages is here to help guide you through the entire process and secure your low-interest mortgage.
Purchasing a house is a thrilling milestone. Of course, the experience is even better when you have a trusted partner by your side. When that big day is finally here, a Last Minute Mortgages advisor will be that collaborative partner that will assess your home-buying goals; help you to understand which loan options are available for you; and keep you in the loop throughout every stage of the mortgage process.
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If you’ve been saving up money lately to buy a house, you’re more than likely aware that it is becoming very difficult to enter the Canadian housing market. First time homebuyers are now forced to find new and creative ways to find, purchase and finance their new homes.
That is where Last Minute Mortgages steps in.
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There has been much talk and predicting by the pundits regarding mortgage rates steadily rising.
However, they have still remained at historic lows throughout 2021 and now the beginning of 2022, making it a great time to apply for a mortgage loan, a commercial loan or a home refinancing.
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At Last Minute Mortgages, we believe loans should be individualized. Everyone’s situation and needs are unique and so therefore we create tailor-made solutions for all of your financing needs.
Are you:
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Everyone loves a good dinner party!
Getting together with friends or family can turn a regular Friday night into a memorable one. If you are looking for ways to perfect your dinner party skills, here are a few easy tips:
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Are you in need of short-term money? And quick? A second mortgage may be your best option.
Perhaps you need to make a substantial investment in an incredible opportunity or you need to take care of a large expense – a second mortgage can help.
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You’d be surprised at how easy it is for a baby to get into trouble… From kitchen cabinets to outlet covers, you definitely need to baby proof the main rooms in your new home in order to make them safe for babies and toddlers. Baby proofing your house often requires more than just a baby gate and wishful thinking!
Here are a few tips on how to ensure your baby/toddler stays safe in your new home:
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You’d be surprised at how easy it is for a baby to get into trouble… From kitchen cabinets to outlet covers, you definitely need to baby proof the main rooms in your new home in order to make them safe for babies and toddlers. Baby proofing your house often requires more than just a baby gate and wishful thinking!
Here are a few tips on how to ensure your baby/toddler stays safe in your new home:
Kitchen and Bathroom:
Obvious, but very important, you should store all household chemicals on high shelves and/or inside cabinets, making sure they are out of plain sight. This is actually the basic concept around baby proofing; out of sight, out of reach, out of mind. If need be, you can purchase cabinet locks or specific child-proof locks for all cabinets containing these types of items. Similarly, keep all breakable items like glassware and sets of dishes on higher cabinets or shelves as well.
Always make sure to eliminate any standing water, like in a mop bucket or bathtub to prevent drowning. Also, ensure to close all toilet lids and keep bathroom and kitchen doors shut. If you want to be extra safe, purchase toilet-lid locks to restrict your child from opening the toilet lid in anticipation of you leaving the bathroom door open now & again.
And most important – keep all medicine out of children’s reach by keeping them in high places or in locked cabinets, and make sure the bottles have child-proof caps on them, just in case.
Living Room and Den:
Protect your child by covering corners and edges of furniture with foam or other plastic/cushion covers to prevent any mishaps like head bumping and eye injuries.
Cover all electrical outlets with simple plastic covers purchased at your local hardware store to avert children from electrical shocks.
Kids love to get dirty, so you should rearrange your soil-based house plants that are usually kept on the floor. If the weather permits, put these plants outside or find another location for them, such as hanging them from the ceiling or placed on high shelves.
Baby’s Room:
Anchor down any large furniture like tables, desks and dressers to avoid the furniture tipping or falling over if a child attempts to climb on it.
And in every room (especially the baby’s room), use cordless window coverings and avoid placing your baby’s crib near a window altogether. If you have curtains with pull cords in your home, either cut off the pull cords or use cord shorteners or wind-ups to avoid any choking hazards.
This room-by-room guide will help you make sure that you have all of the babyproofing essentials covered, in order to ensure your new home is safe for your little bundle of joy!
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