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INTEREST RATES Have mortgage rates changed since you've had your mortgage? If rates have decreased refinancing your mortgage can sometimes offer long-term savings. If you have questions about your current interest rate I can help you determine if there is any potential savings. CHANGES IN INCOME Has your income changed? If your income has increased you may be interested in using some simple mortgage pay down strategies to be mortgage free sooner. Conversely if your income has decreased and you are finding ...isthepeifectsettlngtoimlsdistinctivebnck and stone, energy-star Heatnwood home. Beautifully bright open conwpt with vast windms.9iootceilings,granitecumtersmd www.mmbedoomretmt Mthvaultedceilingfiewmentmdwkviews mdasilallheeimiteismimlinmtedbynaving www.mteaulesolmnerlevelrec. mom,5mce¢ccmandiulmshrcom.wtwatei Woodcmmaaitdeiitenslvelandscnping. lt'sdldmeulnm Are you connected to your community? ...ismepedectsemfioitflswelmim\ed level bedrooms and a renovated wastroom. Asioedootmdsioabuerlevelvmmmn. kim,4mbedroomatuilbam.8umlamnsot w-sizeddmbleguaoeJeoemwhnmadai maiuwgp.umm m." Wmmwmmm mortgage payments difiicult. 'rt's worth looking RENOVATIONS at your mortgage or total financial picture to Looking to renovate your home and wondering see if ne-structuring your mortgage or debts how best to finance the improvements? Let's will help you feel financially more comfortable. take a look at the different options l can offer CHANGES IN FAMILY STRUCTURE Depending on the stage or changes in family structure you may need to look at your mortgage when looking at things like maternity or paternity leave. paying for university or looking to retire. I can help you determine strategies to make your current life situations more comfortable. ...ilttisbwflllhormlastsmthem]m Mmmabedwnmmmai Mmdmeuilmmem-hhtdm. him and (fining moms in the mills. Bonus md'nabhnlymmlmmymn. Gradient...” mummhsmmmm mmammsmnmneam hmk Id flies m mm and. nio m mumamuwmmo mmmmurumuqmme M-ulflqbfllmm Get all the news from Milton, Oakville, Burlington and surrounding areas quickly and conveniently online and on your schedule. m vi! a m Wm (2010, mm Mining (2014):!113 mmaslarm QOIQ- Inbmaiemewnwmflisui memmfidmstahmmm INCREASED DEBT LEVELS Are you faced with increasing debt levels and looking to consolidate high interest debts into your rfi'ortgage? I can helo determine your best options when 'rt comes to managing your debts. nsmmmmummaaaamm frismsywdm'tfndhmanmmdng oversimdmandcoveredhunpormYou've mummmdmedilbetue-mu ismdmmumuumiorm “may!” TlisCariageMarumdalholmisidtatedinme and WEstamflwdeinoomon