Mortgage 101 with Clinton Wilkins

What should we know about renewals? How do we prepare and when should we start thinking about it? Clinton Wilkins and Todd Veinotte are diving into renewals in this edition of Mortgage 101. The guys chat about why it’s important to deal with it early, the importance of advice and having an advocate and how to prepare for a renewal. Curious about your mortgage or homeownership options but are not s...

Why is the housing market so difficult right now? In this edition of Mortgage 101, Clinton and Todd are discussing the critical issues surrounding the housing market and inflation. They talk about supply and demand issues, how inflation impacts the Bank of Canada, trends in buying rentals and the condominium market compared to freehold properties. Curious about your mortgage or homeownership optio...

In this edition of Mortgage 101, Clinton Wilkins and Todd Vienotte discuss how homeowners can find stability in today’s market. They chat about the importance of a fallback plan, why owning a home is not for everyone and how homeowners are changing their situation to be more stable. Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help! Contact...

In this brand new edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing how to navigate insurance in an unpredictable world. They talk about the main issues surrounding recent disasters, why people might be underinsured, the importance of a broker, why you should always be reviewing your insurance and how climate change is affecting insurance. Curious about your mortgage or hom...

Credit is key when it comes to getting a mortgage. In this segment of Mortgage 101 Clinton and Todd are helping you better understand your credit score. The two chat about the biggest factors that impact your score, what factors will raise more questions, what not to do before a mortgage closes and how to fix your credit issues. Curious about your mortgage or homeownership options but you're not s...

In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing the various alternative ways to get a mortgage. They talk about the stress test, utilizing multiple borrowers and more. Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

In this edition of Mortgage 101, Clinton and Todd are talking all about Pride in homeownership. They discuss the challenges facing the queer community, the factors surrounding why homeownership is low in the community and discrimination in the mortgage world.  Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help! Contact us here: https://teamc...

How are homeowners preparing for rate increases? In a new edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing the impact of interest rate increases on mortgages and how homeowners can weather the storm, according to the type of rate they are in. Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help! Contact us here: https:...

In this edition of Mortgage 101, Clinton Wilkins and Todd Veinotte revisit everything refinancing. The guys discuss the reasons why people refinance, when to do it, how it works and more.

In this edition of Mortgage 101, Clinton Wilkins and Todd Vienotte are discussing the impacts of the recent Nova Scotia wildfires. They talk about what to do when you lose your home, how to work with your insurance, guaranteed rebuild and the importance of asking for help. Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help! Contact us here:...

Clinton Wilkins and Todd Vienotte discuss the flexibility of a variable mortgage, why we aren’t in a buyer’s market yet, and why first time homeowners are buying homes right now. Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

In our latest edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are discussing the latest increase  in interest rates,  how it’s creating cracks in credit profiles, misconceptions about rate increases  and how to navigate the runaway train of inflation.  Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help! Contact us here: https://te...

On the latest edition of Mortgage 101 - Clinton Wilkins and Todd Veinotte are discussing home equity lines of credits and refinancing. The guys discuss the importance of shopping around at renewal, the value of amortizing a HELOC and why refinances are more common. Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help! Contact us here: https://...

In our latest segment of Mortgage 101, Clinton and Todd break down why people might take a variable, why it’s important to seek advice and not just consider the default, the current plateau we are in with rates, and uncertainty in the mortgage market.

In this instalment of Mortgage 101, Clinton Wilkins and Todd Veinotte discuss the current, more stable, state of the Halifax market, the benefits of condos, residential mortgages and why people might invest in apartment buildings. Curious about your mortgage or homeownership options but you're not sure where to start? We're here to help! Contact us here: https://teamclinton.ca/contact-us/

Everyone would love to buy a home, but it can be daunting. No matter what your situation, it’s important to take the first step on the ladder. Clinton Wilkins and Todd Veinotte discuss self employment, building a nest egg for retirement, the appeal of homeownership in rural areas and why a starter home is a great first step. Curious about your mortgage or homeownership options but you're not sure...

On the latest edition of Mortgage 101, Clinton Wilkins and Todd Veinotte are talking all about renewals. The guys chat about how to know when your mortgage is renewing, how Canadians can prepare ahead of time to speed up the process, and why lenders are extending amortizations. Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Contact us here...

Clinton and Todd discuss what’s going on in the Halifax housing market with real estate agent James Dwyer. They talk about the inventory issues in the market, why buyers are more conservative and why listings are sitting on the market. Clinton and Todd also chat about what to look for in a realtor, and the common challenges that can arise. Curious about your mortgage or homeownership options but a...

There’s many ways to approach homeownership at different stages of life. Clinton Wilkins and Todd Veinotte discuss getting a mortgage at different ages, amortization options, reverse mortgages, Canada’s exemption on principal residences and how buying a home contributes to your net worth.  Curious about your mortgage or homeownership options but are not sure where to start? We're here to help! Con...

On the heels of the latest Bank Of Canada announcement, Clinton Wilkins and Todd Veinotte chat about the job of a mortgage broker, interest rate predictions and why the government needs to get involved in the business of housing. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Clinton Wilkins and Todd Veinotte breakdown fixed and variable rates. The two discuss the differences between fixed and variable, why you might choose one over the other, and the importance of factoring in your risk tolerance.  You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

The market is changing. How are these changes affecting buyers and sellers? In this episode, Clinton Wilkins and Todd Veinotte talk about the changes in the market, protection for buyers and sellers, refinancing at renewal, and the different kinds of lenders. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

Busy season is on the way for mortgages! How can you prepare? In this episode, Clinton Wilkins and Todd Veinotte talk all about pre-approvals. What should and shouldn’t you do to get pre-approved? What happens if things don’t work out? Read and watch to find out! You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca

The US and Canada have different banking systems but trends in the US may impact Canada more than you think. In this episode, Clinton Wilkins and Todd Veinotte discuss the complex banking system challenges in the US, what makes Canada different and how the trends in the US will impact our market. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamc...

When it comes to buying a home, two incomes is certainly better than one. But even then, there can be challenges. In this episode, Clinton Wilkins and Todd Veinotte discuss cohabitation agreements and how to approach finances in your relationships. You can find more information about Clinton Wilkins and the Clinton Wilkins Mortgage Team at www.teamclinton.ca