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Tracy Irwin

Mortgage Loan Minute

... 60 seconds to informed home ownership

Curren interest rates:

Prime Rate ...................   6.00
3 year fixed ..................  6.05 
5 year fixed ..................  5.99
7 year fixed ..................  6.20
10 year fixed ................. 6.30
Variable rate .................  5.40

Pay it forward - Please feel free to forward this email to a friend and let them experience the benefits of informed home ownership.

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Tracy Irwin Mortgages, AMP


Events you don't want to miss!

Learn How to Beat the Tax Guy!  You will learn how to make your mortgage tax deductible, how to guarantee your income for life and how to get the government to pay for your funeral.

Thursday, January 31st @ Timothy's World Coffee, 321 Lakeshore Rd. E., Oakville @ 7:15 pm.  For more information, contact Tracy Irwin.

Burlington Chamber Business Showcase - stop by for a visit!

Tuesday, January 22nd @ Vital Link, 925 Century Drive, Burlington @ 5:30 pm

mortgage minute

Debt-Stress doesn't have to be a way of life …

News Fact: Did you know that Canadians own an average of 3 credit cards with outstanding balances of over $40 billion? -- Source: CTV report broadcast 2006

Debt consolidation programs can significantly reduce or even eliminate the crippling interest of your debts. By utilizing the equity in your home, you can consolidate your debt, free up cash and regain control of your finances.

Click here to understand the implications or refinancing / debt consolidation.

Starting a Green Renovation - Al Seymour, Muskoka in the City Inc.

Green renovations are a new concept that is just now evolving from the new green building initiatives. Very positive changes and techniques are rapidly emerging to provide better energy efficiency, use more renewable resources and incorporate old strategies as well. Green renovations are not cookie cutter fixes – each home has its own uniqueness and requires specific solutions.

The first considerations are the 4 R’s . The first three you are familiar with – Reduce, Reuse and Recycle. These principles have the biggest positive impact for the environment when we practice them. The 4th R is Reallythink. Take time to decide what the expected outcome of your project is, what the impact to the environment is and how this comes about. It is about more than planning nice things, but what is the impact of what I am doing.

Click here to find out How do I put all that together? 

tracy's trivia
» Amazing But True Golf Facts  
Stephen Fangio didn't let one handicap stop him from reducing another one.  Fangio was 26 in 1984 when he lost his left leg in a motorcycle accident.  Two years later he took up golf again and plays without a prosthesis.  His golf handicap was a 5 in 2004 when he quit his job as a mechanical engineer to pursue his dream of becoming a Tour pro.  "We all want to play better," he says, "but any day I can be on the golf course is a good day."


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