**Disclaimer: Lending rules and requirements vary by financial institution. Always check with your bank or broker about what is applicable to you**

Join Me as I sit down with Charlotte Ray, superstar mortgage specialist, and learn more about the financial side of buying your dream home.   

0:00 - Who is Charlotte? 

1:04 - What is a mortgage pre-approval? When do I need one? How do I get one? What is Income Verification? How do I shop with confidence? 

4:42 - Mortgages for Homes with Secondary Suites. What kind of additional financing is available with an income-generating suite?  

6:21 - Unconditional offers, how can you make a confident offer not 'Subject to Financing? Should you? 

8:39 - Working with a Mortgage Specialist: the benefits and importance, and why it matters. 

10:18 -  Selling your current home before buying a new one. What are your best options in a low inventory market? What is a Bridge Loan? 

 13:55 - Variable vs. Fixed rate Mortgages 101. What are the pros and cons? How do Bonds and Prime rates factor in?  

Have questions we didn't answer here?  Please comment below, so I can include them in future Q & A's!  

WORK WITH CHARLOTTE:  Charlotte Ray: Mobile Mortgage Specialist, RBC Royal Bank of Canada 📧 charlotte.ray@rbc.com 

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My name is Robin Scrimger, I am Real Estate Professional in beautiful Victoria, British Columbia.  I'd love to help you with buying or selling your home- or relocating here! 🦀

Search for your future home on my website: www.VicProperty.ca

📞C: 778.400.6047

📧 info@VicProperty.com