Be realistic when negotiating your mortgage

Tips for getting the best deal out there.

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With changes to mortgage application rules and the introduction of the harmonized sales taxes on the horizon, new homebuyers are being urged to avoid rushing into their purchases.

While many people are hurrying to buy a home before borrowing costs rise — even if it means being unrealistic with what they can afford — it is far more advisable to think through this decision.

By negotiating wisely, choosing a shorter amortization period, tapping into your RRSP’s for a down payment and considering a hybrid mortgage, you will be able to ensure you are getting the best deal possible.

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