Tricia McIntosh Mortgages guiding families in Victoria and Langford through purchasing a new home

RESOURCES

Everything you need to know to purchase your next home

Clients working with best mortgage broker in Canada Tricia McIntosh Mortgages for expert guidance and support

WHY WORK WITH A MORTGAGE BROKER?

We’re here to help you secure a mortgage product tailored to suit your individual needs, at a great rate, at no cost to you.

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Explaining different income sources for mortgage qualification at Tricia McIntosh Mortgages

INCOME SOURCES
EXPLAINED

When it comes to securing a mortgage, understanding which sources of income count can make a significant difference.

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Tricia McIntosh Mortgages guiding clients through down payment options in Victoria and Langford

DOWN PAYMENT OPTIONS

Dreaming of owning your first home? One crucial aspect to consider is your down payment.

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Tricia McIntosh Mortgages explaining how credit scores affect mortgage qualification

A GUIDE TO YOUR CREDIT HEALTH

Your credit score and how you manage credit are huge factors in qualifying for a mortgage. Here are a few things you can do to improve your credit score.

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omparing fixed and variable mortgage rates with Tricia McIntosh Mortgages

MORTGAGE RATES - FIXED VS. VARIABLE

Learn the key differences between fixed and variable mortgage rates and how to choose the option that works best for you.

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Clients using the mortgage payment calculator from Tricia McIntosh Mortgages

MORTGAGE PAYMENT CALCULATOR

Whether you're planning for your first home purchase, a refinance, or exploring your options, this calculator will give you an idea of what you can expect to pay monthly or bi-weekly.

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WHAT TO KNOW ABOUT CO-SIGNING

With house prices increasing, government qualifying rules tightening, and income documentation becoming more onerous from the banks, more Canadians are enlisting the help of a co-signer.

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BANKS VS MONOLINE LENDERS

When it comes to securing a mortgage, homebuyers and property investors have more options than ever before. While banks have traditionally been the go-to source for mortgages, monoline lenders have emerged as a competitive alternative.

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10 THINGS NOT TO DO WHEN PRE-APPROVED

Pre-approval is an important milestone, but it comes with rules to follow. From avoiding big purchases to keeping your accounts steady, here are 10 things not to do once you’ve been pre-approved.

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Tricia McIntosh Mortgages offering an 8-step guide to buying a home

8 STEPS TO HOME BUYING GUIDE

From pre-qualification to closing day, this 8-step guide breaks down the home-buying process into simple, practical steps so you know exactly what to expect.

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Clients using a moving day checklist from Tricia McIntosh Mortgages

MOVING DAY CHECKLIST

Stay organized and stress-free with this moving checklist. From packing essentials to updating utilities, here’s everything to prep before, during, and after moving day.

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ricia McIntosh Mortgages helping clients purchase investment properties in Victoria and Langford

PURCHASING AN INVESTMENT PROPERTY

Investing in real estate can be a lucrative venture, offering both supplemental income and long-term financial security.

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