November 2013  |  Edition #47
Mortgage Loan Minute 60 seconds to informed home ownership
In This Issue
Self-Employed and Looking for Mortgage Financing?
Amazing But True Golf Facts
Take the Challenge
XPANSE for Separation or Divorce
Tracy's Q and Eh?

  Current interest rates: 

  Prime Rate         ................ 3.00
  Qualifying Rate   ................ 5.34
  6 month             ................  3.95
  1 year                ................  2.99
  2 year                ................  2.79
  3 year fixed       ................  3.09
  4 year                ................  3.39  
  5 year fixed       ................  3.59
  7 year fixed       ................  3.99
  10 year fixed     ................  4.49
  Variable rate      ................  2.50
  (Prime - .50%)

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Tracy Irwin, AMP

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Are You Self-Employed?

Get the respect you deserve with a self employed mortgage. You work hard to grow your business, your accountant does a fabulous job of minimizing your net profit - but when it comes time to finance - how do you substantiate your income?

Read more. Watch the video.

Talk to Tracy.


Amazing But True  

Golf Facts

Question: Is it possible to drive a golf ball from one continent to another? 

Answer: Yes! Tiger Woods accomplished this feat on November 5, 2013 when he 
drove golf balls from a makeshift tee in the Bosphorus Bridge in Istanbul, Turkey, into Asia over the 5,118-foot long bridge. Watch the video. 


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Take The Challenge!

A recent article published in The Globe and Mail, "The Ultimate Mortgage Checklist" talks about how you can "snare the most feature-rich mortgage possible, at a rate that's better than average.


It's tough to predict your refinance needs three or four years out. Statistics show that well over half of Canadians with a mortgage renegotiate before their term is up. And the average five-year borrower changes their mortgage every three-and-a-half years."


Read the article, review the checklist, and challenge me to find you the best of the best mortgage financing possible. 

Forward to a Friend 


Going Through Separation or Divorce?


XPANSE provides access to support, tools, resources and inspiration. Become part of a holistic empowerment program designed for women by women and connect with an integrated team of 'Empowerers' that offer you a sense of ease in all areas of your life.

Meet Empowerer, Alison Danby    

 Naturopathic Doctor

Alison uses a wide variety of naturopathic modalities with a passion for botanical (herbal) medicine, nutritional education and lifestyle management. She is skilled in acupuncture from a Traditional Chinese Medicine perspective as well as a sports medicine approach for musculoskeletal injury. She views health care as an equal partnership, working as a team with each individual to achieve their optimal potential. Her philosophy is "Enhance your life through education and empowerment." Learn more about Alison.  

We invite you to explore the XPANSE program and enroll in the next program starting soon!      



Tracy's Q and Eh?

Q:  How accurate is the Bank of Canada at predicting future rate hikes? 

Eh:  Not. Read why...    


Tracy Irwin, AMP
Mortgage Broker

A referral is the highest compliment a person can give.  



In a Maritz/CAAMP survey, 82% of mortgage borrowers find out  

about their mortgage broker via referral.   


Join my Referral Rewards Program today and allow me to properly thank you!  

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R.D.M. Financial Consultants Ltd. o/a The Mortgage Centre | Each office is independently owned and operated | Brokerage Licence # 10716, Broker Licence # M08007700 | 418 North Service Road East, Unit 1D | Oakville | ON | L9W 2E7 | Canada