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What To Expect During The Mortgage Process

What To Expect During The Mortgage Process

My name is Ryan Boughen, and I take pride in ensuring my clients are fully informed of the mortgage process. Obtaining a mortgage takes a lot of planning and patience to ensure things go smoothly throughout the entire transaction.  There are many different...

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Need Your Notice of Assessment?

Need Your Notice of Assessment?

My name is Ryan Boughen, and I love my job as a Regina mortgage broker!  I enjoy helping people that have all sorts of mortgage needs, from purchasing their next home, helping them with their mortgage renewals, or mortgage refinancing to lower their mortgage interest...

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Need your T1 General Tax Form?

Need your T1 General Tax Form?

My name is Ryan Boughen, and my job is to provide you with amazing customer service for your mortgage. Many people in the real estate business tell me that it is difficult to find professionals that have a strong work ethic, patience, and are willing to go the extra...

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7 Questions To Ask Before Building a Home

7 Questions To Ask Before Building a Home

My name is Ryan Boughen, and I love my job as a Regina mortgage broker!  I enjoy helping people that have all sorts of mortgage needs, from purchasing their next home, helping them with their mortgage renewals, or mortgage refinancing to lower their mortgage interest...

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Call a Mortgage Broker BEFORE Listing Your Home!

Call a Mortgage Broker BEFORE Listing Your Home!

My name is Ryan Boughen, and I love my job as a Regina mortgage broker!  I enjoy helping people that have all sorts of mortgage needs, from purchasing their next home, helping them with their mortgage renewals, or mortgage refinancing to lower their mortgage interest...

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RRSP Basics: Questions Answered

RRSP Basics: Questions Answered

Guest post by Randy Cass, Welcome to RRSP season, otherwise known as the one time of year you’ll willingly read an article with RRSP in the title. It’s not a traditionally exciting topic, we get it, but it’s an important one. A little planning now will pay off big...

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Bank of Canada Rate Announcement Jan 18th, 2017

Bank of Canada Rate Announcement Jan 18th, 2017

Looks like 2017 begins the same way 2016 ended, with the Bank of Canada announcing that it has maintained its target for the overnight rate at 1/2 percent. While the Bank Rate is correspondingly 3/4 of a percent, with the deposit rate holding steady at 1/4 percent as...

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Clarity, Ownership, and Structure in 2017.

Clarity, Ownership, and Structure in 2017.

Over the last three years, Canadian financial blogger Sandi Martin from Spring Personal Finance has released a series of posts with her dreams for her clients in each 2015, 2016, and now 2017. It started with finding clarity, then taking ownership, and now the series...

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New Mortgage Stress Test Explainer Video

As you may well know, the Canadian government has recently made some changes to how Canadians qualify for insured mortgages. They have instituted what is being called a “stress test” for your mortgage. Here is a good explainer video that does an excellent job of...

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Bank of Canada Rate Announcement Dec 7th, 2016

No big shocker here, in the final rate announcement of 2016, just as every economist in the country predicted, the Bank of Canada announced this morning that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per...

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New Construction Assignment

One of the benefits of working with an independent mortgage professional is having lots of great financing options! Rather than dealing with a single lender who has one set of products, brokers work with multiple lenders who offer a wide selection of mortgage...

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2016 Year End Tax Tips

As financial literacy month winds down, now is a great time to review your personal finances and take advantage of any tax planning opportunities that are available to you (before the December 31st deadline). Here are some tax tips you might want to consider to help...

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Let’s Talk Housing!

The Canadian government just released its housing strategy plan, called "What We Heard, Shaping Canada's National Housing Strategy". It has been included below in all its 66 page glory, but first here are some of the highlights. Helping those in greatest need. It is...

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Are Rates Finally Going Up?

Well, after many years of unprecedented low interest rates in Canada, it appears the Canadian government by way of rule changes, and the American government by way of Trump, are impacting mortgage rates. Simply put, the Canadian government has recently made it more...

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When Prime Rates Differ?

Although the recent changes to mortgage qualification introduced by the government were intended to create stability in the Canadian housing market, the unintended consequences might have been to make the waters a little muddier. For the first time, it looks like...

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Can I Get A Mortgage With No Downpayment?

My name is Ryan Boughen, and I love my job as a Regina mortgage broker!  I enjoy helping people that have all sorts of mortgage needs, from purchasing their next home, helping them with their mortgage renewals, or mortgage refinancing to lower their mortgage interest...

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Bank of Canada Rate Announcement Oct 19th, 2016

With all the recent government activity meant to bring stability to the Canadian housing market (read cool down Vancouver and Toronto), its no surprise that the bank of Canada has decided against making any drastic changes to the overnight rate in their announcement...

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A More Human Approach to Productivity

https://youtu.be/REFh5TMOoS0 Chris Bailey from A Life of Productivity was recently asked to give a presentation at TEDxLiverpool, here it is in all it's YouTube glory!  Chris has been obsessed with the subject of productivity for more than a decade. In this talk, he...

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Creating Stability in the Canadian Housing Market

This morning, Finance Minister Bill Morneau announced new housing measures, changes meant to alleviate risk in Canada's current housing market. The measures include: Standardizing lending criteria for high- and low-ratio mortgages, including a mortgage stress test...

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Are Lenders Obligated to Renew Mortgages?

It's a common held belief that if you've made your mortgage payments on time throughout the entirety of your mortgage term, that your lender is somehow obligated to renew your mortgage. This is simply not the case. The truth is, a lender is never under any obligation...

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Further Tightening of the Mortgage Belt

Before reading this you should be warned that the following content is pretty dry... like eating 8 saltine crackers without drinking water dry. If you need to go and get something to drink before proceeding, no worries, we will wait here. Take your time.  The quick...

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Understanding Credit | Part 3 of 5

How you manage your credit plays a big part in how a lender looks at your mortgage application. By understanding the makeup of a credit score and working towards establishing a solid credit profile, you can increase your chances of getting approved for a...

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Ryan Boughen Is Your Best Regina Mortgage Broker

1-306-570-3379

Give me a call or send a message through my contact form, either way, I look forward to connecting with you!

Ryan Boughen Is Your Best Regina Mortgage Broker 

Contact Me Anytime!

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206 - 4303 Albert St, Regina, SK S4S 3R6

TMG The Mortgage Group

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