Your Mortgage Chef: Recent Episodes

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In this episode, we’re discussing the path to moving up in real estate.

What do you need to consider? What are the questions to ask? And how can a mortgage broker help you achieve this dream?

We get into:

• [1:55] Leveraging equity
• [2:00] Purchasing in a down market
• [2:20] The questions to ask yourself when it comes to moving up in real estate

Connect with me

• Instagram: http://www.instagram.com/yourmortgagechef
• www.yourmortgagechef.ca
• Email me: kal@yourmortgagechef.ca

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In this episode, we’re discussing how to buy your next home if you have too much debt.

This can be a concern for a lot of people who have debt, and it may feel impossible to think about purchasing property.

We get into:

• [1:05] Considering your debt-to-income ratio
• [1:45] How to calculate your debt-to-income ratio
• [2:20] Which payments count towards your debt-to-income ratio
• [3:30] Tips to restructure your debt

Connect with me

• Instagram: http://www.instagram.com/yourmortgagechef
• www.yourmortgagechef.ca
• Email me: kal@yourmortgagechef.ca

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What are the 5 most important questions to ask yourself before buying a home?

There are many things to consider when buying your first or next property, where do you begin? This is what we’re covering in today’s episode.

We get into:

• [1:15] Why knowing your long term real estate goals is crucial
• [2:45] Knowing how much you can afford for your property
• [3:25] Envisioning the lifestyle you want for yourself
• [4:10] Leveraging existing equity
• [4:40] Knowing when you’re ready for a change

Connect with me

• Instagram: http://www.instagram.com/yourmortgagechef
• www.yourmortgagechef.ca
• Email me: kal@yourmortgagechef.ca

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In this episode, I’m sharing something most mortgage brokers are currently shying away from, and that’s talking about what’s happening in the economy.

I know it feels overwhelming, I know rates are higher than before, which is why I want to address some of these concerns today.

We get into:

• [0:50] What influences the Canadian economy
• [1:30] Should you buy or sell in this current economy?
• [2:10] Is there a bad time to buy?
• [2:45] The Bank of Canada’s 1% increase

Connect with me

• Instagram: http://www.instagram.com/yourmortgagechef
• www.yourmortgagechef.ca
• Email me: kal@yourmortgagechef.ca

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In this episode, you will learn the difference between a standard charge and collateral charge.

This can be something that’s so tough to understand, which is why I want to break it down in this episode.

We get into:

• [1:20] What a standard charge is
• [1:55] The benefits of a standard charge mortgage
• [2:20] What a collateral charge is
• [3:05] The downside of collateral charge mortgages

Connect with me

• Instagram: http://www.instagram.com/yourmortgagechef
• www.yourmortgagechef.ca
• Email me: kal@yourmortgagechef.ca

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In this episode, you will learn the difference between big banks vs. mono lenders.

What are the pros and cons of each, and how do you know which one is the “better” option? This is what we’re covering here.

We get into:

• [1:10 The main difference between big banks and mono lenders
• [2:10] The benefits of mono lenders
• [3:20] Penalties you will get from big banks va. Mono lenders

Connect with me

• Instagram: http://www.instagram.com/yourmortgagechef
• www.yourmortgagechef.ca
• Email me: kal@yourmortgagechef.ca

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In this episode, you will learn the difference between a variable and fixed-rate mortgage.

Which one is the better option? Which one would I recommend to you right now? Listen to this episode to find out.

We get into:

• [1:00] How interest rates are calculated
• [1:30] What a fixed-rate mortgage is and who it’s for
• [3:10] What a variable rate mortgage is and who it’s for

Connect with me

• Instagram: http://www.instagram.com/yourmortgagechef
• www.yourmortgagechef.ca
• Email me: kal@yourmortgagechef.ca

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In this episode, you will learn how to get a mortgage in 3 simple steps.

I take you through the process of what you need to know, the documents and paperwork you may need to have available, and how we slice and dice the perfect mortgage just for you.

We get into:

• [0:55] Steps to getting a pre-approval
• [2:15] What’s inside a mortgage application
• [3:55] How a mortgage broker supports you
• [5:05] My team’s promise

Connect with me

• Instagram: http://www.instagram.com/yourmortgagechef
• www.yourmortgagechef.ca
• Email me: kal@yourmortgagechef.ca

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Thanks for stopping by Your Mortgage Chef podcast.

I'm your host, Kal Keigher. I'm a professional chef and mortgage broker, and I know a thing or two about slicing and dicing the perfect mortgage for you.

On this show, you will learn the ins and outs of what to look for when shopping for a mortgage, keeping up with industry trends, how to refinance or purchase a second home, and everything in between. If you have the question in mind, I have the answer for you here.

Subscribe to the show so you never miss an episode, and connect with me with any questions you have or comments about the show. Thanks for listening!

Connect with me:

• www.yourmortgagechef.ca
• https://www.instagram.com/yourmortgagechef/
• https://www.youtube.com/channel/UCzhEyzsYXki3YYXvckbGi0w
• kal@yourmortgagechef.ca