The latest from the team at Patching Mortgage

Subject Free Offers and what you should know
What is a subject free offer? A subject-free offer is a bid (on a home) provided by the buyer that is unconditional once the seller

Be prepared for Closing Costs
The terms below are costs that apply to mortgage and property purchase transactions. Note that not all costs apply in all circumstances, but are listed here for

Rate Predictions for 2022
A news article recently came out where a Scotiabank economist said that we could see the Prime rate jump 8 times by the end of 2023. This,

TD Online Setup
TD Banking Online Set-up Step 1 — Go to: https://digitalreg.td.com/ui/osr/web/en Step 2 — Choose Mortgage from the drop down menu and enter your personal information.

Scotiabank Online Setup
Scotiabank Banking Online Set-up Step 1 — Go to: https://www.scotiabank.com/ca/en/personal/mortgages/online-banking.html Choose the blue “Sign up now” Step 2 — Choose Mortgage from the drop down

First National Online Setup
First National Online Set-up Step 1 — Go to: https://www.firstnational.ca/ Step 2 — You will see the Login at the top right of the page. Click

Co-Signer or a Guarantor, and why you should know the difference.
It happens more often than you’d think, especially here in BC. With the average person’s income being less than $50,000/yr and the average home price

Mortgage Challenges and Solutions
BEST MORTGAGE SOLUTIONS FOR YOU With every unique homeowner comes a set of specific mortgage needs. That’s why the right mortgage lender can make a