Mortgage 101 with Clinton Wilkins

Are you worried about having to refinance your mortgage? This episode we cut through the stigma and dive into the reality of refinancing; the reasons why, the strategy on 'how to' and using it as a retooling to help pay off other debt. 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/

Happy New Year and Merry Debtmas from Clinton Wilkins and Todd Veinotte! In this episode, the two talk about financial literacy, debt, and mortgage trends for 2024. Clinton and Todd also talk about property valuation services, as well as the advantage of home prices in Nova Scotia today. Welcome back to Mortgage 101!  Curious about your mortgage or homeownership options but are not sure where to s...

In our last segment of Mortgage 101 for the year, Clinton Wilkins and Chris Turcotte, President of CENTUM Financial, chat with Todd Veinotte and answer listener questions regarding extending rates, how mortgages impact your credit score, down payment assistance in Nova Scotia, title insurance and why Unbiased mortgage professionals empower informed decisions

In our next segment of Mortgage 101 live from City News, Clinton and Todd are joined by Chris Turcotte, President of CENTUM Financial Group to answer listener questions. They discuss mobile homes, where the Canadian market is standing currently, supply and demand challenges, mortgage renewals and rate extensions.

How can working with First Canadian Title help you in the mortgage transfer process? In this segment of Mortgage 101, live from City News, Clinton and Todd dive deeper into the mortgage transfer process and talk about how to prepare for a transfer and why FCT can streamline the process and eliminate costs for homeowners. Curious about your mortgage or homeownership options but are not sure where t...

Clinton Wilkins joins Todd Veinotte on CityNews to talk about the last Bank Of Canada Update for 2023 and what it means for the rates next year. They talk about how the job market impacts the rate environment, the benefits of a maintained rate, predictions for softer rates in the new year and the importance of financial health going into 2024. Curious about your mortgage or homeownership options b...

In a brand new edition of Mortgage 101 live from CityNews, Clinton Wilkins and Todd Veinotte welcome special guest Brenna Charles, Vice President - Sales, Broker Channel with FCT. They discuss the mechanics and benefits of changing mortgage lenders, and what to expect when you work with FCT. They also discuss the Canadian Mortgage Charter and the benefits of the stress test. Curious about your mor...

On our last segment from our Mortgage 101 live radio show, Clinton Wilkins and Todd Veinotte take more calls and answer their burning questions. They break down how to protect yourself against title fraud, the risks associated with clearing your mortgage and the specific stipulations for financing a tiny home. Curious about your mortgage or homeownership options but are not sure where to start? We...

Live from CityNews, Clinton Wilkins and Todd Veinotte answer listener’s mortgage-related questions. They discuss the land title migration system in Nova Scotia, reverse mortgages for retirees, how seniors can leverage home equity lines of credit, and mortgage options for first time home buyers. Curious about your mortgage or homeownership options but are not sure where to start? We're here to help...

On this special live edition of Mortgage 101, Clinton and Todd dive even deeper into insurance with financial advisor Dan Lomas. They discuss why Canadians need more insurance than they usually have, the application process, the value of the home in net worth and why it’s so important to get an unbiased second opinion. Curious about your mortgage or homeownership options but are not sure where to...

Insurance can be intimidating and complex. That’s why it’s so important to seek out advice from unbiased professionals. In this edition of Mortgage 101, we are live at CityNews with Clinton Wilkins and Todd Veinotte, and joined by special guest Dan Lomas, financial advisor at Desjardins Financial Security Independent Network. Clinton, Todd and Dan dive into the world of insurance, discussing the d...

Why is owning a home so crucial to building your net worth? In the last pre-recorded segment of the year, Clinton and Todd are talking about assets and building net worth through real estate. They discuss the various kinds of assets a person can have, the value of real estate in net worth, current challenges in the Halifax housing market, and creative housing solutions. Curious about your mortgage...

There’s so much to learn when it comes to C-word: Credit. Clinton Wilkins and Todd Vienotte are letting you know how to conquer your credit challenges in this latest edition of Mortgage 101. They discuss how free apps can help you monitor your credit, how to build and repair your credit and how to make use of credit reporting agencies. PLUS: What are the factors that go into good credit? Curious a...

How does your income impact your mortgage options? In this instalment of Mortgage 101, Clinton Wilkins and Todd Veinotte dive into the intricate relationship between different income types and their impact on securing a mortgage. They also talk about the various kinds of self-employment and make some predictions for interest rates in 2024. Curious about your mortgage or homeownership options but a...

How can Canadians get more financially fit? In this edition of Mortgage 101, Clinton and Todd are kicking off Financial Literacy month by discussing  the crucial aspects of financial literacy and preparedness. They chat about why being organized and having your documents in one place is crucial, and why you should never procrastinate on your renewal. PLUS: Why Canadians should brace for a frugal h...

In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte discuss the value of financial literacy and reviewing your rate options, especially in a time of financial hardship. Plus, learn what is in store for Financial Literacy Month in November. 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...

Clinton Wilkins joins Sam Laprade on CityNews to talk about the latest update from the Bank of Canada. They discuss why homeowners can start to breathe more easy, the slow burn to softer rates, why it’s important to talk about your finances, and what homeowners can do to prepare for renewals. Curious about your mortgage or homeownership options but are not sure where to start? We're here to help!...

Join Clinton Wilkins and Todd Veinotte as they chat with real estate agent James Dwyer about the ever-evolving real estate landscape in Halifax. They talk about the latest market trends, the increasing competition and savviness amongst buyers, the status of entry-level homes, sought-after neighbourhoods, and the hidden gems often overlooked by buyers. Plus, gain valuable guidance on the crucial fa...

How can homeowners pay down their mortgages effectively during a housing crisis? Clinton Wilkins and Todd Veinotte discuss the impact of variable rates, the risk of negative amortization, static payments, potential variable rate increases, and the advantages of adjustable payments. Also, explore the pressing need for diverse housing in Halifax. Curious about your mortgage or homeownership options...

Many Canadians are in a crisis because of rising interest rates. How is inflation affected by our increasing rate market? In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte discuss the complex impact of high rates on inflation, how payments are affected and challenges in rural areas. Plus, why should fixed-rate borrowers up for renewal should be worried? Curious about your mortgage...

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 explor...

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://teamcl...

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:...

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://te...

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://teamclinto...