What Can you Afford?

Six Steps to Take:

1. Do a credit check.

You may have issues that will surprize you; they make mistakes and it takes months to correct sometimes.

There are Free Credit Checks but spend the $25 for an online version that includes your "Beacon Score". Did you know credit score under "680" pay big interest rate premiums?

2. Do a personal financial check-up.

What do you and your partner, if any, earn? What do you owe? What are you total assets? Does your debt payments equal less than 1/3 of your gross income (before tax)?

3. Use a mortgage calculator (below) - It's Awesome - Get to know your costs & ways to save!!

If you want a quick idea of your abilty to buy a home and at what price range, use my mortage calculators.

4. Get Pre-Approved.

Armed with the proof of your income and debt and assets, go to any bank or brokerage mortgage specialist for a consultation. They can do this at no cost or obligation to you.

Do this step even if, actually especially if, it looks like you can't afford to buy a house. Their advice will help you get on the road towards becoming eligible even if it takes you another year or two.

See my "Pros Who Help You" page for recommendations on great lenders who I can vouch for personally.

If you get pre-approved for buying a house or condo, take the next step.

5. Hire a Realtor.

Now is a good time to call me for some fine tuning of your financials (I am experienced with the challenges some people face on their quest for homeownership) e.g.; first timers getting enough for a downpayment, etc.

6. My Buyer Consultation is at no cost or obligation and my process will delight you with its thoroughness. You will be "Buying with Confidence"  with me at your side.

Get your Credit History Report for free! 

Here is an easy way to obtain your personal consumer credit history at no cost and a way to improve it.

Requires you filling in a form and mailing or faxing this form to Equifax - allow 2 weeks for delivery of results back to you.


1. Simply mail or fax the Request Credit History form below to the address/fax number on the bottom of the form.

2. After you review your report, use the Credit Update Form below to correct your credit rating and, hopefully improve your credit rating.

Note: Your Credit Score is not included in the free Credit History Report. See more info about the Free Credit Report

 Sample Report is provided below.

In a hurry? More detailed reports available instantly, for a fee, online:

1.  Your Credit Score & History is available from Equifax, among others, for $23.95 ($Cdn) and can be obtained instantly online (email). The example below shows both a History and a Score and explains what they mean. 

2. Your History Report, without Credit Score is available online (email) from Equifax for $15.50 ($Cdn).