The Mortgage Group - Andy Vickers

Andy Vickers || October 01, 2019

Debt Management and Consolidation

It seems as if the debt-to-income ratio is always in the headlines. Just recently it was reported that the ratio edged down to 177.1% in the second quarter of this year, from 177.5% between January...

Andy Vickers || September 24, 2019

Use the Smith Maneuver to Build Wealth

What’s the Smith Maneuver? It’s a wealth-building strategy to create a tax-deductible mortgage. You may have heard, and envied, that mortgage holders in the US can claim their mortgage interest as...

Andy Vickers || September 18, 2019

The First Time Home Buyer Incentive

The2019 federal budgetincluded an incentive for prospective first-time homebuyers that would see the government contribute up to 10% of the purchase price of a home.Under the new First-Time Home Buyer...

Andy Vickers || September 18, 2019

How divorces affect mortgages

They say about half of all marriages end in divorce—whatever the figure, complications arise when it comes to dividing assets like homes, and determining who keeps making mortgage payments.“It’s a...