Laurie Kotak - Mortgage Broker

Laurie Kotak || December 06, 2018

The Upside of Alternative and/or Unregulated Lenders

A recent report from the Bank of Canada reviewed the impact of the government's policy changes on the mortgage market. It found that overall market activity had slowed -- something we knew would...

Laurie Kotak || October 13, 2018

What can I use for a down payment on a house?

When you purchase a home, a down payment of at least 5% is required. This money can come from a few different sources and each has different paperwork or documentation that must be...

Laurie Kotak || October 05, 2018

Paperwork required to be approved for a mortgage

The process of qualifying for a mortgage can seem a bit intimidating but with a little preparation, it can go smoothly. There will be paperwork required to verify your income and your savings and if...

Laurie Kotak || October 03, 2018

Confused about how your credit score is determined?

It can be confusing trying to understand all of the factors that affect your credit score and how you can positively affect them. Here’s a typical scenario: You and your spouse are applying for a...