December 2012  |  Edition #43
Mortgage Loan Minute 60 seconds to informed home ownership
Elmo's World See 'n Say   
In This Issue
Tracy's Q and Eh?
See 'n Say-ve
XPANSE for Separation or Divorce
Amazing But True Golf Facts

  Current interest rates: 

  Prime Rate ....................  3.00
  Qualifying Rate ..............  5.24
  6 month ........................  3.85
  1 year ...........................  2.60
  2 year ...........................  2.69
  3 year fixed ...................  2.75

  4 year ...........................  3.09    
  5 year fixed ...................  2.99
  7 year fixed ...................  3.64
  10 year fixed .................  3.79    
  Variable rate ..................  2.65
  (Prime - .35%)


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Tracy Irwin, AMP

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Tracy's Q and Eh?



 Q:  What's the secret to finding a better mortgage?  

Eh:  Knowledge. Start here. Then read this article  

        

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Welcome,
See 'n Say-ve by the Numbers

For decades, Fisher Price marketed a learning toy called, "See 'n Say" - and they still do! In "Elmo's World See 'n Say", kids learn by identifying a number, colour, object or shape (that's the "see"), pulling a lever, and hearing/learning more (that's the "say").

Using the same concept, this month's newsletter focuses (see) on 2012 Mortgage Facts that you can leverage to your best advantage (say)! After all, knowledge is power. 

61:  The percentage of mortgage borrowers who experienced a reduction in their interest rate when renewing a mortgage in 2012.

60:  The percentage of mortgage holders that make only their minimum mortgage payment

47:  The (record) percentage of borrowers who obtained a new mortgage through a mortgage broker in 2012

39:  The percentage of homeowners in Canada living mortgage-free
 
32:   The percentage of mortgage holders that are making significant efforts to accelerate repayments, including voluntarily increasing their monthly payments; making lump sum contribution to their mortgage; increasing their payment frequency

On that happy note, from our family to yours, have a wonderful holiday and happy and prosperous New Year!  

 
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Gray 

  

Amazing But True Golf Facts
The Record for 36 Holes is 122 by Sam Snead in the 1959 Sam Snead Festival on May 16-17, 1959.  
Gray
  
Tracy Irwin, AMP
Mortgage Broker
1-866-797-7616  
 

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In a recent Maritz/CAAMP survey, 82% of mortgage borrowers find out about their mortgage broker via referral.  

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R.D.M. Financial Consultants Ltd. o/a The Mortgage Centre | Each office is independently owned and operated | Brokerage Licence # 10716, Broker Licence # M08007700 | 418 North Service Road East, Unit 1D | Oakville | ON | L9W 2E7 | Canada