how mortgage works and how to get your mortgage approved

Applying for your first home loan is a little like opening up your underwear drawer to strangers. You can take some of the unpleasantness out of the process by knowing what l

According to John Turner, director of mortgage sales at BMO in Toronto, Canadian lenders use the five C’s of credit when assessing your ability to pay back a mortgage.

    Credit history. Your lender will want to make sure when you’ve borrowed money, you’ve paid it back
    Capital. Ensuring you’ve accumulated assets
    Collateral. When it comes to a mortgage, you’re putting your house up as collateral
    Capacity. In short, capacity is debt servicing. For instance, your housing cost shouldn’t exceed 30 per cent to 32 per cent of your gross income and all of your debts shouldn’t exceed 40 per cent to 42 per cent of your gross income
    Character. It’s an evaluation of all four previous C’s as well as subjective and objective things such as how long have you been in your job, what type of job you have and how long you have lived in your current residence

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