March 2014  |  Edition #48
Mortgage Loan Minute 60 seconds to informed home ownership
In This Issue
Relief from Debt Stress
Amazing But True Golf Facts
The Good, The Bad and The "Other"
XPANSE for Separation or Divorce
Tracy's Q and Eh?

  Current interest rates: 

  Prime Rate         ................ 3.00
  Qualifying Rate   ................ 5.24
  6 month             ................  3.95
  1 year                ................ 2.99
  2 year                ................ 2.69
  3 year fixed       ................  2.79
  4 year                ................ 3.09  
  5 year fixed       ................  3.14
  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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Debt Stress: It Doesn't Have to be a Way of Life 


 
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.

 Read more. Talk to Tracy.

        

Amazing But True  

Golf Facts


 
Ipsos Reid says there are six million Canadian golfers, with one of the highest participation rates in the world. Way to go, eh?   

        

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Dear Tracy,
The Good, The Bad, and The "Other" Mortgage Changes, with love from Jim! 

The new Federal budget contains a variety of new mortgage-related measures, the crux of which are designed - says the Department of Finance (DoF) - to "increase market discipline in residential lending and reduce taxpayer exposure to the housing sector." Read the article.  

Forward to a Friend 

 
XPANSE logo
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, Barbara Fuller    

 Financial Planner

Barbara takes pride in building, life-long relationships with her clients, to meet their financial planning needs and help them achieve their goals. Her passion is -
  • to protect their lifestyle - with proper risk management or insurance planning
  • to help them prosper - by working with a dedicated life planner and using investment tools with guaranteed benefits and income options, and
  • to preserve their estates - with wise estate planning counsel.
Learn more about Barbara.  
   

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

  

Gray 

   
Tracy's Q and Eh?


Q:  What do I need to know before I renew my mortgage?  

Eh: Five things.  Here they are...     

Gray 

   
  
Tracy Irwin, AMP
Mortgage Broker
1-866-797-7616  
 

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!  

Contact me at  tracy@tracyirwinmortgages.com

 
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