Category: Uncategorized
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Understanding Rates: Empower Mortgage Choices | Get Your Mortgage for a LilLez!
Dec 10, 2025 rate: 2.25% Rate held steady since Oct 29, 2025 Several cuts in 2025, from 3.25% Rate changes affect mortgage payments Long-term financial plans also impacted
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Durham Homes Remain Affordable at $840K in November 2025
In November 2025, the average home price in Durham Region was $840,833, down 1.3% from October and 7% from the previous year. Sales dropped 15.8% with 622 homes sold, while active listings rose 18.5% to 2,154. Prices declined across all home types, including detached, semi-detached, attached houses, and condos. Since 2015, average prices have increased…
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GTA Homeowners Rush to Refinance Before 2026 | Get Your Mortgage for a LilLez!
Slide 1 Interest rates dipped this year, sparking a GTA refinancing buzz for 2026. Slide 2 Toronto homeowners reflect on credit, debt, and equity before year-end planning. Slide 3 Switching mortgage products is trending, improving cash flow and financial flexibility. Slide 4 Over 51% of mortgages will renew in 2026, fueling refinancing activity. Slide 5…
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خود روزگار افراد کے لیے رہن کی تجدید کو آسان بنائیں
اگر رہن کی تجدید میں کوئی تبدیلی نہ ہو تو یہ عمل عموماً آسان ہوتا ہے، حتیٰ کہ خود روزگار افراد کے لیے بھی۔ تاہم، اگر آپ ری فنانسنگ کریں، قرض دہندہ تبدیل کریں یا کسی کو رہن میں شامل کریں تو مکمل دوبارہ اہلیت درکار ہوتی ہے، جو خود روزگار افراد کے لیے زیادہ…
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Durham Prices Dropped: Is It a Buyer’s Market? | Get Your Mortgage for a LilLez!
Avg. price: $840,833 in Nov. 2025, ↓1.3% MoM, ↓7% YoY Detached avg: $934,485, ↓1.8% MoM, ↓7.6% YoY Sales: 622 homes, ↓15.8% YoY; active listings: 2,154, ↑18.5% YoY All property types saw price drops MoM and YoY Since Nov. 2015, avg. sale price ↑84.6%
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Happy New Year! | Get Your Mortgage for a LilLez!
A new year arrives with fresh goals, bold ideas, and the momentum to turn today’s plans into tomorrow’s lasting success. 2026 begins with opportunity ahead, inviting smarter decisions, renewed focus, and confidence to shape what comes next. Happy New Year 2026, a time to celebrate progress, embrace change, and move forward with optimism, purpose, and…
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کریڈٹ اسکور کے حساب سے موجودہ مارگیج ریٹس | 2025
مارگیج ریٹس کریڈٹ اسکور کے مطابق مختلف ہوتے ہیں۔ زیادہ اسکور (740+) پر سب سے کم ریٹس ملتے ہیں جبکہ کم اسکور والے زیادہ لاگت برداشت کرتے ہیں۔ اسکور میں معمولی بہتری بھی ریٹس کم کر کے قرض کی مدت میں ہزاروں کی بچت کر سکتی ہے۔ ریٹس قرض کی قسم کے لحاظ سے بھی…
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Canada Mortgage Stress Test Explained | Get Your Mortgage for a LilLez!
Applies to all Canadian homebuyers since 2018; must prove ability to pay if rates rise. Test uses higher of 5.25% or offered rate + 2% to assess affordability. Directly impacts mortgage qualification and borrowing amount; may require higher down payment or lower budget. 2024 update: No test needed for straight switch to new lender with…
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Is Your Mortgage Safe? Essential Tips Every Homebuyer Needs to Avoid Mortgage Fraud Disaster
Mortgage scams are increasingly sophisticated, targeting homeowners, especially first-time buyers. Common scams include wire fraud, deceptive refinancing offers, and schemes that exploit home equity. To protect yourself, research lenders, stick to a budget, get everything in writing, and be cautious of unsolicited offers. Always read contracts thoroughly, monitor your credit report, and seek professional advice.…
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Oshawa home prices climb 0.5 per cent to $730,988 in November 2025
In November 2025, Oshawa's average home price was $730,988, up 0.5% from October but down 4.5% year-over-year. Sales dropped 14.1%, while active listings rose 10.8%. Detached homes averaged $793,130, semi-detached $647,633, attached $687,350, townhouse condos $532,083, and apartment condos $360,643. Compared to 2015, prices have more than doubled across all home types. Continue to full…