Pamela Valent BA, AMP
Lead Mortgage Planner
LEARNING CENTREMortgage Basics Buying Refinancing Investing Video Library
Learn more about how to get the best mortgage for your unique needs.
5 Simple steps for first time buyers
Everyone has to start somewhere and we're glad you started here! Click the video to the left to see the 5 steps you need to know before you buy.
Words to Know When Buying a House
The mortgage process can be overwhelming. Knowing key mortgage and home buying terms can help reduce confusion and assist you in better understanding the process of buying a home. ...more
Choosing a mortgage that's right for you!
With the help of a mortgage broker, selecting the right mortgage has never been easier....more
What do the new mortgage rule changes mean for homeowners?
Last fall, the federal government announced changes to the qualifying criteria to obtain a mortgage in Canada. ...more
Why Should I Get Pre-Approved?
Getting pre-approved gives you a clear picture about your own financial status and helps you manage your investment in a much better way. ...more
Don’t shy away from that fixer-upper…
A Purchase Plus Improvements Mortgage, allows qualified purchasers to borrow up to 20% of the post-renovation value of a home, even with as little as 5% down. ...more
First-Time Home Buyers Tax Credit
Purchasing a home for the first time is perhaps one of the most daunting experiences one will have....more
5 Ways To Improve Your Credit Score
If you currently have a mortgage or looking to obtain one, it is imperative you maintain a healthy credit score. ...more
Mortgage Rates 101: Consider all the factors before choosing.
When choosing a mortgage, it is imperative to know what rate will work best for you – fixed or variable. ...more
Mortgage Types 101: Get to Know the Important Basics
When it comes time to obtain a mortgage, it’s never one-size-fits all; rather there is a variety of options to choose from. ...more
Be life rich, not house poor!
Buying at the top end of your pre-approval price could be setting you up for many dull years to follow. ...more
Who's better? The bank or the broker?
The value of a professional mortgage broker comes from having someone who objectively works for you and is not limited to mortgage product offerings from one source; like a bank....more
What is your credit score?
With a range from 300 to 900, your credit score captures your perceived lending risk at a moment in time. Lets learn more! ...more
Want Choice? Don't use bank, use a broker!
One of the greatest advantages of using a mortgage broker is getting access to over 50 lenders. A bank will only offer you access to their products, while a mortgage broker can offer you more choices through multiple lenders. ...more
Save big for your retirement
Save big without increasing your income... lFinding it difficult to save for retirement? You can save big without earning more or changing your spending habits....more