One of the important factors in home ownership is understanding things like your credit score. Some people don’t pay much attention to this metric until they begin the mortgage discussion!

However, you will find that your credit score is one of the most important factors when it comes to qualifying for a mortgage at the best rate – and with the most purchasing power.

What Affects Your Credit Score

Credit scores range from 300 to 900, the higher your credit score the better. Ideally, you should be aiming for a credit score of 680 for at least one borrower (or guarantor), especially if you are putting under 20% down. If you are able to make a larger down payment of 20% or more, then a score of 680 is not required.

This score is based on spending…

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Protecting yourself and your mortgage from fraud is crucial to safeguard your financial well-being. Understanding some of the more common mortgage fraud scams and how to protect yourself can make all the difference!

The most common type of mortgage fraud involves:

A criminal obtains a property, and then increases its value through a series of sales and resales involving the fraudster and someone working in cooperation with them. A mortgage is then secured for the property based on the inflated price.

Below are some red flags to be aware of as potential lead-ins to fraud:

  • If someone offers you money to use your name and credit information to obtain a mortgage
  • If you are encouraged to include false information on a mortgage application
  • …

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Welcome to your ultimate guide to finding your dream home at the University of British Columbia (UBC). Nestled between the breathtaking Pacific Ocean and vast forests, UBC offers not just world-class education but a vibrant community and a high standard of living. Whether you're a prospective student, faculty member, or simply looking for a beautiful place to live, UBC's diverse real estate options have something to offer everyone.

Why Choose UBC for Your New Home?

Educational Excellence

UBC Real Estate is not just a hub for academic achievement; it's a place where lifelong learning extends beyond the classroom. The university's global reputation attracts students and professionals from around the world, creating a rich, multicultural community.

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Fairview, a charming neighborhood nestled in the heart of Vancouver, offers a unique blend of urban convenience and natural beauty. For those considering real estate investment or buying a home in Fairview, this guide provides a comprehensive overview of the area's attractions, amenities, market trends, and investment opportunities.

Location and Overview

Situated on Vancouver's west side, Fairview Real Estate is renowned for its picturesque streets, stunning views of the city skyline, and proximity to parks and green spaces. Originally an industrial area, Fairview has undergone significant redevelopment in recent years, transforming into a vibrant residential community with a mix of heritage homes and modern condominiums.

Real Estate Market…

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Vancouver West has long been renowned as one of the most desirable real estate markets in Canada. Its stunning landscapes, vibrant urban amenities, and strong economic fundamentals make it a hotspot for investors and homebuyers alike. If you're considering investing in Vancouver West, staying updated with the latest new listings is crucial. Here's a comprehensive guide to help you navigate this exciting market.

Benefits of Investing in Vancouver West

Investing in Vancouver West Real Estate offers numerous benefits, including:

  • Strong Market Demand: Vancouver West has a consistently high demand for housing due to its desirable location and quality of life.
  • High Property Value Appreciation: Properties in Vancouver West tend to appreciate…

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Welcome to Vancouver West, where the perfect home is waiting for you! This area is renowned for its stunning natural beauty, vibrant culture, and top-notch amenities, making it a highly sought-after location for homebuyers. In this article, we'll explore everything you need to know about buying a house in Vancouver West, from the current real estate market trends to the popular neighborhoods and house-hunting tips.

Location and Overview

Vancouver West Real Estate is located on the western side of Vancouver, bordered by the Burrard Inlet to the north and the Fraser River to the south. It is known for its picturesque beaches, lush parks, and diverse neighborhoods. Some of the key features of Vancouver West include Stanley Park, Granville Island, and…

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Point Grey, located in Vancouver, is known for its stunning houses and beautiful surroundings. If you're in the market for a new home, Point Grey should be at the top of your list.

History and Overview of Point Grey

Point Grey has a rich history dating back to the early 1900s when it was a summer destination for Vancouver's elite. Today, it is a vibrant community known for its beautiful beaches, parks, and prestigious schools.

Characteristics of Houses in Point Grey

The houses in Point Grey are known for their unique architectural styles, spacious layouts, and stunning views. Whether you're looking for a modern masterpiece or a charming heritage home, you'll find it in Point Grey.

Benefits of Living in Point Grey

Living in Point Grey…

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The Consumer Price Index (CPI) rose 2.9% year-over-year in January, down sharply from December's 3.4% reading. The most significant contributor to the deceleration was a 4% decline in y/y gasoline prices, compared to a 1.4% rise the month before (see chart below). Excluding gasoline, headline CPI slowed to 3.2% y/y, down from 3.5% in December.

Headline inflation of 2.9% marks the first time since June that inflation has moved into the Bank of Canada 1%-to-3% target band and only the second time to breach that band since March 2021.

Grocery price inflation also decelerated broadly in January to 3.4% y/y, down from 4.7% in December. Lower prices for airfares and travel tours also contributed to the headline deceleration. Prices for clothing and…

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Canadian prices, as measured by the Consumer Price Index (CPI), rose 2.9 per cent on a year-over-year basis in January, down from a 3.4% increase in December. Month-over-month, on a seasonally adjusted basis, CPI declined by 0.1 per cent in January, the first decline since May of 2020. Gasoline base-year effects contributed to the decline. Excluding energy costs, CPI rose 3.3 per cent year-over-year in January, down from 3.7 per cent in December. Decelerating food costs also contributed to the slowing in the CPI, with food prices rising by 3.4 per cent in January compared to 4.7 per cent in December. Shelter costs, however, continue to be a major driver of inflation, with mortgage interest costs up 27.4 per cent and rent up 7.9 per cent from last year in…

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Kerrisdale, located in Vancouver's west side, is a prestigious neighborhood known for its elegant homes, tree-lined streets, and vibrant community. This guide will take you through everything you need to know about buying a home in Kerrisdale, from its rich history to current real estate trends.

History of Kerrisdale

Kerrisdale Real Estate was originally developed in the early 20th century as an affluent residential area. Today, it boasts a mix of historic homes and modern residences, showcasing a variety of architectural styles.

Kerrisdale Neighborhood Highlights

  • Parks and Green Spaces: Kerrisdale is home to several beautiful parks, including Elm Park and Kerrisdale Park, offering residents plenty of opportunities for outdoor activities.
    • …

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