Blog | Calum Ross Mortgage

Taking Your Financial Goals Seriously
10 actions to take to get the most out of 2018 tax year

10 actions to take to get the most out of 2018 tax year

December 12, 2018 | Posted by: Calum Ross

Though most of us are already planning our holiday season, it’s never too late (or too soon) to finalize the year-end tax planning. Follow these 10 tips and you won’t miss out on some impo ... [read more]

How are mortgage rates are determined?

How are mortgage rates are determined?

December 4, 2018 | Posted by: Calum Ross

Want to buy a home? Chances are you’re going to need a mortgage (or you’re going to get a mortgage even if you don’t need one simply because you understand the power of leverage and ... [read more]

How Mortgage Rates Work – Fixed vs Variable

How Mortgage Rates Work – Fixed vs Variable

November 28, 2018 | Posted by: Calum Ross

Want to buy a home? Chances are you’re going to need a mortgage (or you’re going to get a mortgage even if you don’t need one simply because you understand the importance of having c ... [read more]

Who pays mortgage broker fees?

Who pays mortgage broker fees?

November 21, 2018 | Posted by: Calum Ross

Once upon a time, we all believed that our friendly, neighbourhood bank advisor or financial planner worked for free. But like the myth of a flat Earth or the notion that retiring is easy, virtually n ... [read more]

Why Investment Property Mortgage Interest Rates Will Rise

Why Investment Property Mortgage Interest Rates Will Rise

November 14, 2018 | Posted by: Calum Ross

(even if general mortgage rates stay the same) With new mortgage rules in effect and regulators closely monitoring credit policy in Canada, there has been much conversation about the impact on r ... [read more]

How to make your Canadian Mortgage Interest Tax Deductible

How to make your Canadian Mortgage Interest Tax Deductible

November 7, 2018 | Posted by: Calum Ross

Here in Canada, we don’t get to write off home mortgage interest on our personal residences they do in the United States without formal planning. Many Canadians have to pay every dollar of inter ... [read more]

How to make a Canadian mortgage tax deductible

How to make a Canadian mortgage tax deductible

November 7, 2018 | Posted by: Calum Ross

There are a lot of advantages to owning a principal residence in Canada. Property is an excellent hedge against inflation, it offers an opportunity to earn revenue from rentals (allowing the asset to ... [read more]

Is Toronto Experiencing a Real Estate Bubble?

Is Toronto Experiencing a Real Estate Bubble?

October 31, 2018 | Posted by: Calum Ross

It’s not exactly news that ordinary Canadians are being squeezed out of many real estate markets. Prices for both single-family homes and condominiums in markets like Vancouver, Montreal and ... [read more]

Most Pre-Construction Condos Not ‘Investments’

Most Pre-Construction Condos Not ‘Investments’

October 17, 2018 | Posted by: Calum Ross

Presale Condo Speculating is Hot – But Risks Can Be Devastating Would it surprise you to learn that in 2017, there were 29,132 contracts completed in Toronto to buy pre-sale condominiums &mdash ... [read more]

Rate of Return – it is risk adjusted rate of return that matters

Rate of Return – it is risk adjusted rate of return that matters

October 10, 2018 | Posted by: Calum Ross

When you’re investing, rate of return is a key metric you want to pay attention to. Simply put, it’s the gain or loss of your initial investment over a specific period of time. For examp ... [read more]

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Calum W.M Ross
Calum W.M Ross, MBA, PFP, CDFA, AMP
Broker | Wealth Advisor
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