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# HarbourTown Group

Integrated Real Estate Solutions

## Sitemaps

- [XML Sitemap](https://harbourtowngroup.ca/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [How cars, boats, snowmobiles and other things may impact your mortgage](https://harbourtowngroup.ca/how-cars-boats-snowmobiles-and-other-things-may-impact-your-mortgage/) - Learn how car loans, credit cards, student loans, and other debts affect your mortgage approval. Understand debt-service ratios and how to improve affordability.
- [Reverse Mortgages: unlocking home equity to help family](https://harbourtowngroup.ca/reverse-mortgages-unlocking-home-equity-to-help-family/) - Learn how reverse mortgages help Canadian homeowners unlock home equity to support family needs like down payments, education, and financial security.
- [Maxed out cards could be blocking your next mortgage—here's why](https://harbourtowngroup.ca/maxed-out-cards-could-be-blocking-your-next-mortgage-heres-why/) - High credit card balances can lower your credit score and hurt your mortgage approval. Learn how to fix it and boost your financial health.
- [When the lowest rate could cost you more: 10 questions to ask before choosing your next mortgage](https://harbourtowngroup.ca/10-questions-to-ask/) - Let’s talk about why it’s not always about the rate. We get it, mortgage rates are everywhere. You see them on ads, in your inbox, and all over comparison websites. And it’s tempting to chase the lowest number on the board. But here’s the thing: the mortgage with the lowest rate isn’t always the cheapest
- [Why having a will is essential when you own a home](https://harbourtowngroup.ca/why-having-a-will-is-essential-when-you-own-a-home/) - Buying a home is a major financial milestone—and for many, it’s also a wake-up call to get their affairs in order. If you’re a homeowner and don’t yet have a will, now’s the time to start thinking about it. A will isn’t just about who gets what. It’s about protecting your property and your family
- [What to expect on housing and mortgages after the election](https://harbourtowngroup.ca/what-to-expect-on-housing-and-mortgages-after-the-election/) - Learn how Canada’s re-elected Liberal government plans to impact first-time homebuyers, mortgage rates, housing construction, and your financial future.
- [Customize Your Home With A “Purchase Plus Improvements” Mortgage](https://harbourtowngroup.ca/purchase-plus-improve-mortgage/) - You can renovate your home immediately after taking possession with one convenient mortgage. Read more about the process, benefits and conditions below.
- [Understanding the costs of buying, selling, and refinancing a home in Canada](https://harbourtowngroup.ca/understanding-the-costs-of-buying-selling-and-refinancing-a-home-in-canada/) - When buying, selling, or refinancing a home, closing costs are inevitable. Be prepared for these potential surprises by understanding what they involve.
- [SPOTLIGHT! on Yifei Xing](https://harbourtowngroup.ca/spotlight-on-yifei-xing/) - Meet your friendly neighbourhood Broker team! This week, we’re shining the spotlight on new-to-Canada financing expert, Yifei Xing.
- [SPOTLIGHT! on Joan Cote](https://harbourtowngroup.ca/spotlight-on-joan-cote/) - Meet your friendly neighbourhood Mortgage Brokers! This week, we’re shining the spotlight on our dedicated Residential Services Manager, Joan Cote.
- [SPOTLIGHT! – ShanShan Li](https://harbourtowngroup.ca/spotlight-on-shan-shan-li/) - Meet your friendly neighbourhood Mortgage Brokers! This week, we’re shining the spotlight on Bilingual Mortgage Analyst, ShanShan Li.
- [From Halifax Tenant To Suburban Custom Home owner – Broker Blair’s Journey To Homeownership](https://harbourtowngroup.ca/tenant-to-home-owner/) - From Halifax tenant to suburban custom home owner – Broker Blair’s Journey to Homeownership.
- [SPOTLIGHT! on Tanya MacKenzie](https://harbourtowngroup.ca/spotlight-on-tanya/) - This week we’re shining the spotlight on a member of our admin team. We like to think of her as the CEO of First Impressions. Meet the friendly face and voice that greets our team and clients every day, Tanya.
- [SPOTLIGHT! on Blair MacDonald](https://harbourtowngroup.ca/spotlight-on-blair/) - Each week, we’ll be profiling a member of our team so you can get to know the faces and names behind the Blake Wilson Group. This week, we’re shining the spotlight on Broker, Blair MacDonald.
- [We're back and more excited than ever!](https://harbourtowngroup.ca/we-are-back/) - Thanks to the #TMGfamily for a great week of learning and networking at the annual TMG Summit Conference.
- [Construction Trends in Atlantic Canada 2024: A Year of Growth and Adaptation](https://harbourtowngroup.ca/construction-trends-in-atlantic-canada-2024-a-year-of-growth-and-adaptation/) - This year marks a crucial juncture, characterized by the stabilization of global supply chains and material prices, combined with a strong demand for both residential and commercial construction.
- [Before You Choose A Home Inspector](https://harbourtowngroup.ca/choosing-a-home-inspector/) - You’re about to make one of the biggest investments of your life. Protect it by choosing the right Home Inspector. We’ve got some great guidance below.
- [How Hard Is Your Mortgage Working For You? 6 Mortgage Features You Need To Know](https://harbourtowngroup.ca/how-hard-is-your-mortgage-working/) - In light of recent rate announcements from the Bank of Canada, now’s the time to dust off your mortgage agreement and talk to us about your current features, and future options.
- [Charting the mortgage market: a 2024 recap and a look ahead to 2025](https://harbourtowngroup.ca/charting-the-mortgage-market-a-2024-recap-and-a-look-ahead-to-2025/) - With 2024 behind us, let’s take a moment to reflect on the trends that shaped Canada’s real estate and mortgage market and explore what 2025 might hold.
- [Building Strategic Equity Partnerships: A Pathway to Real Estate Success in Atlantic Canada](https://harbourtowngroup.ca/building-strategic-equity-partnerships-a-pathway-to-real-estate-success-in-atlantic-canada/) - In this blog, we will discuss the critical role these partnerships play in the real estate sector, how they align projects with investors, and the mutual benefits they offer.
- [Innovative Financing Strategies in Atlantic Canada's Real Estate Market](https://harbourtowngroup.ca/innovative-financing-strategies-in-atlantic-canadas-real-estate-market/) - As we navigate through 2024, the real estate market in Atlantic Canada presents a complex yet opportunity-rich landscape for financing.
- [What are Alternative Mortgages? Solutions for those with unique financial situations](https://harbourtowngroup.ca/what-are-alternative-mortgages-solutions-for-those-with-unique-financial-situations/) - Whether you're self-employed, have limited credit, or rely on non-traditional income, there are creative mortgage solutions to help you achieve or maintain homeownership.
- [Homebuyers and sellers: How to prepare for the busy spring market](https://harbourtowngroup.ca/homebuyers-and-sellers-how-to-prepare-for-the-busy-spring-market/) - I think it’s safe to say we’re all eagerly anticipating the arrival of spring as the snow melts and the days grow longer. It's a season of renewal, not just for nature but also for the real estate market as both homebuyers and sellers come out of hibernation and prepare to make their next big
- [What January’s jobs report means for Bank of Canada rate cut expectations](https://harbourtowngroup.ca/what-januarys-jobs-report-means-for-bank-of-canada-rate-cut-expectations/) - On the surface, the January employment report released today had the signs of a relatively strong economic backdrop. Net employment was up by over 37,000 positions and the unemployment rate ticked down to 5.7%—its first decline in 14 months. But economists say that when you dig into the details, the results are actually more mixed.
- [Housing markets are continuing to feel the chill heading into winter](https://harbourtowngroup.ca/housing-markets-are-continuing-to-feel-the-chill-heading-into-winter/) - Affordability concerns are continuing to keep pressure on Canada's housing markets heading into the winter months, the Canadian Real Estate Association (CREA) reported. The month saw continued declines in both national sales and average asking prices. Sales edged down 0.9% from October and are 0.9% below year-ago levels, according to the latest monthly data. "Not getting
- [Canada’s labour market posts big gain in November](https://harbourtowngroup.ca/canadas-labour-market-posts-big-gain-in-november/) - The country’s labour market held up better than expected in November, with nearly 25,000 net new jobs created. The employment gains consisted of an increase of 59.6k full-time positions and a loss of 34.7k part-time jobs, according to data released this morning by Statistics Canada. The unemployment rate ticked up one basis point to 5.8%. "While the
- [How Is The Coronavirus Impacting Interest Rates](https://harbourtowngroup.ca/coronavirus-interest-rates/) - It has been just over 90 days since the first case of the coronavirus, AKA COVID-19, was reported. Around the world and here at home, global markets have experienced the worst decline since the financial crisis from over a decade ago.
- [Money Laundering And Your Mortgage](https://harbourtowngroup.ca/money-laundering-mortgage/) - The mainstream media has been reporting on Canada’s perceived money laundering problem in recent months. Here's what you need to know.
- [Mortgage Types](https://harbourtowngroup.ca/mortgage-types/) - Not all mortgage are created equally. Do you know the difference?
- [Where Are Interest Rates Headed? - Blake Wilson](https://harbourtowngroup.ca/where-are-interest-rates-headed-blake-wilson/) - If you want to know where interest rates are headed for the rest of 2019, Blake’s covered this in our newest mortgage mechanics article. Take a read!
- [Tips & Tricks: 5 Home Renos That Offer The Biggest Payback](https://harbourtowngroup.ca/home-renos-payback/) - Purchasing a fixer-upper means you avoid the premium demanded by turnkey properties…but before you commit to renos, make sure you focus your dollars on the right projects.
- [The Blake Wilson Group Is Kid Friendly](https://harbourtowngroup.ca/we-are-kid-friendly/) - The Blake Wilson Group is kid friendly! Bring your little ones to your appointment, because we’d love to say hello!
- [Tips & Tricks: Summer Financial Fitness](https://harbourtowngroup.ca/summer-financial-fitness/) - 72% of first-time buyers rate their financial fitness as good to great. If you’re not part of the 72%, read this step-by-step action plan to help you get there.
- [A Step-By-Step Guide To Setting Up Your Finances In Canada](https://harbourtowngroup.ca/setting-up-your-finances-in-canada/) - New to Canada or planning to relocate? This article is a must read…and so is booking an appointment with our new-to Canada financing experts!
- [SPOTLIGHT! on David Skinner](https://harbourtowngroup.ca/spotlight-on-david-skinner/) - I started in the financial services in 1976 and became a full-time Mortgage Broker in 1994. I was one of the first brokers in the Halifax area. Things have changed quite a bit!
- [What Is An Insured Mortgage?](https://harbourtowngroup.ca/insured-mortgage/) - When do I need mortgage insurance and how much does it cost? Learn more below!
- [All About Co-Signing](https://harbourtowngroup.ca/all-about-co-signing/) - Co-signers can mean the difference between a mortgage approval or decline…but before you sign on the dotted line, know the pros and cons.
- [Summer Home Maintenance Checklist](https://harbourtowngroup.ca/summer-home-maintenance/) - Summer is right around the corner! Is your home ready? Check out our list of reminders. Better yet, print it and save it on your fridge.
- [How To Rebuild Credit By Consolidating Your Debt](https://harbourtowngroup.ca/consolidating-debt/) - If you’ve run into financial difficulty, it’s important to know your options. If you have equity in your home, we may have options for you.
- [The Government of Canada has just released additional details about the first-time homebuyers’ incentive](https://harbourtowngroup.ca/first-time-incentive/) - Read about eligibility requirements and how the program will be implemented!
- [Paying Off Your Mortgage](https://harbourtowngroup.ca/pay-off-mortgage/) - If paying off your mortgage as quickly as possible is your objective, we’ll show you how!
- [How Is Your Mortgage Registered?](https://harbourtowngroup.ca/how-is-it-registered/) - There are two ways to register a mortgage – a standard versus collateral charge. Do you know how they impact your renewal and future borrowing options?
- [Why Use A Mortgage Broker](https://harbourtowngroup.ca/why-use-a-broker/) - Did you know our services are free of charge on residential mortgage transactions? But that’s only one reason to use a Mortgage Broker…
- [Burpees for Brigadoon Fundraiser](https://harbourtowngroup.ca/burpees-for-brigadoon-fundraiser/) - Isabella Wilson proudly presenting Brigadoon Village’s Executive Director and CEO, David Graham, with a total “per burpee” donation.
- [Private Lending](https://harbourtowngroup.ca/private-lending-options/) - What is private lending and when should it be used? Over the past year, we’ve seen a steady increase in the demand for private financing within subsets of our clientele. This article explores the ins-and-outs of private money.
- [Mortgages For The Self Employed](https://harbourtowngroup.ca/mortgages-self-employed/) - As a prudent self-employed individual, you may have implemented a tax strategy that isn’t a full reflection of your earning power. When it comes time to apply for a mortgage and other forms of financing, this can create challenges. We can help
- [It’s Homeownership Education Week 2019!](https://harbourtowngroup.ca/home-ownership/) - Happy Homeownership Education week, folks! If you’ve got a mortgage question, we’ve got answers. Comment below, and our team will get back to you today.
- [My Business Magazine Features Blake Wilson](https://harbourtowngroup.ca/my-business-blake-wilson/) - My Business Magazine recently sat down with Founder, Blake Wilson, to learn about our growing team and our approach to mortgages and financing. Check it out here
- [Fix & Flip Investment Mortgages](https://harbourtowngroup.ca/fix-flip-houses/) - Whether you’re an avid real estate investor, or you’re considering your first foray into purchasing a “fixer upper” to make some cash, we’ve got financing options. This includes traditional and alternative lending options.
- [Self Build Construction Mortgages](https://harbourtowngroup.ca/self-build-mortgages/) - If you’re interested in building your own home, or have been denied financing elsewhere, talk to us about our two-step process.
- [9 Things To Do Before You List Your Home](https://harbourtowngroup.ca/before-you-list/) - Check out these recommendations from our team regarding things you should do before you list your home.
- [Monoline vs Bank](https://harbourtowngroup.ca/monoline-vs-bank/) - Monoline lenders have been operating for years and many get their funding from the big banks in Canada. They are also regulated by the government just like the major banks and must follow similar disclosures and lending guidelines. In some situations, a bank may be the best option. In another situation, a monoline may offer
- [Anatomy Of Mortgage Changes, Including Government’s Recently Announced Interest-free Loan Program](https://harbourtowngroup.ca/anatomy-of-mortgage/) - There’s little doubt housing sales have slowed in the past year, due in large part to stricter mortgage regulations. We’re addressing the evolution of these regulations and their associated changes to help you understand the possible impacts at the consumer level.
- [Kitec plumbing: what it is, and how it impacts mortgage financing.](https://harbourtowngroup.ca/kitec-plumbing/) - If you’re considering buying a home built between 1995 and 2007, educate yourself on the implications. If you have Kitec plumbing, you have until 2020 to register your claim.
- [Contracted Worker Approved For Residential Mortgage In 48 hours After Bank Decline](https://harbourtowngroup.ca/approvedin48/) - We recently helped a client obtain a mortgage approval after they’d been declined by their bank. Why were they declined? They were working on a contract basis (not a permanent employee) at the time of application, which didn’t meet the bank’s income requirement.This is not an uncommon challenge. • The client was seeking a high-ratio
- [A Good Day Starts With A Good Breakfast. Let’s End Hunger In Schools](https://harbourtowngroup.ca/end-hunger-in-schools/) - At The Blake Wilson Group, we’ve chosen to donate $10 from every mortgage we fund to the Breakfast Club – this equates to breakfast for ten children. We think that’s the real power of a dollar.
- [Private Lending 101](https://harbourtowngroup.ca/private-lending/) - Contrary to popular belief, not all private lenders expect big fees and high interest rates. Private lenders are a great option for entrepreneurs and investors and shouldn’t be dismissed. Using them means building a relationship so you can fund other purchases in the future.
- [Who wants to be a millionaire? Who are the millionaires? How does Atlantic Canada stack up?](https://harbourtowngroup.ca/who-wants-to-be-million/) - We’re summarizing the findings of a commissioned study about Canada’s wealthiest. They’re humbling, interesting and may be surprising. Above all, they make us proud to be Canadian.
- [New Year, New Dreams](https://harbourtowngroup.ca/new-year-new-dreams/) - It’s 2019 – what are your financial goals? We've outlined some ways to make 2019 your best financial year yet!
- [Planning For Closing Costs...And All The Extras!](https://harbourtowngroup.ca/closing-costs-extras/) - Are you concerned about closing costs and unanticipated home buying expenses? We’re breaking them down in our latest post.
- [Happy New Year From The Blake Wilson Group!](https://harbourtowngroup.ca/happy-new-year/) - It’s time to celebrate new beginnings! We have a feeling 2019 is going to be great. This is your year!
- [Merry Christmas From The Blake Wilson Group!](https://harbourtowngroup.ca/merry-christmas/) - Merry Christmas From The Blake Wilson Group!
- [Home Buying Steps You Should Know](https://harbourtowngroup.ca/home-buying-steps-you-should-know/) - There are some very important steps you should know and follow before buying a home. For more information and tips, contact us today!
- [Putting Your Finances In Order](https://harbourtowngroup.ca/putting-your-finances-in-order/) - One of the most important aspects of buying a home is getting your finances in order. Learn more about doing this properly in this fact sheet. For more information and tips, contact us today!
- [Is Home Ownership Right For You?](https://harbourtowngroup.ca/is-home-ownership-right-for-you/) - Before everything else, let's first make sure that home ownership is right for you. For more information and tips, contact us today!
- [Saving To Buy Your First Home](https://harbourtowngroup.ca/saving-to-buy-your-first-home/) - Saving to buy a home isn't easy. This guide has some tips to help simply the process. For more information and tips, contact us today!
- [Rent vs Buy](https://harbourtowngroup.ca/rent-vs-buy/) - Rent vs Buy, that is the question. Buying isn't for everyone. Is it right for you? This guide will help answer that question! For more information and tips, contact us today!
- [Closing Costs](https://harbourtowngroup.ca/closing-costs/) - You've been approved, you've bought your home, and now there are more costs? We'll explain! For more information and tips, contact us today!
- [10 Reasons To Use A Realtor](https://harbourtowngroup.ca/10-reasons-to-use-a-realtor/) - A Realtor does a lot more than help you find the perfect home. Read more in this fact sheet. For more information and tips, contact us today!
- [Mortgage Renewals](https://harbourtowngroup.ca/mortgage-renewals/) - Mortgage renewal time comes with a lot of questions, and options. We're here to help!
- [Mortgage Tips For The Self Employed](https://harbourtowngroup.ca/mortgage-tips-for-the-self-employed/) - Obtaining a mortgage can be tricky for those who are self employed. Read this fact sheet for some quick tips!
- [Moving Towards Mortgage Freedom](https://harbourtowngroup.ca/moving-towards-mortgage-freedom/) - Mortgage freedom is something we all dream of. Here are some tips on how to get there!
- [Real Estate Investing Tips](https://harbourtowngroup.ca/real-estate-investing-tips/) - Real Estate can be a great investment. Here are some tips to help you get the most out of it.
- [10 Costly Mortgage Mistakes To Avoid](https://harbourtowngroup.ca/10-costly-mortgage-mistakes-to-avoid/) - There are some important mortgage mistakes to avoid. Read this fact sheet for some insight.
- [Five Mortgage Mistakes To Avoid](https://harbourtowngroup.ca/five-mortgage-mistakes-to-avoid/) - Here's a look at some common mortgage mistakes to avoid. Contact us today to learn more.
- [10 Ways To Improve Your Credit Score](https://harbourtowngroup.ca/10-ways-to-improve-your-credit-score/) - There are many ways to increase your credit score. Some of these ways will likely surprise you!
- [Award: Innovator Of The Year](https://harbourtowngroup.ca/award/) - It's been a great year! As we reflect on 2018, we have a lot to be appreciative for. We're honoured to have been recognized by TMG The Mortgage Group Canada for doing things differently in the mortgage industry.
- [Preparing Your Property For A Big Snowfall](https://harbourtowngroup.ca/prepare-for-snow/) - Close the blinds, eat your storm chips, turn up the fire and listen to the “beep, beep, beep” of the snow plow re-arranging piles of white stuff outside your window! T’is the season to be jolly, queue up your Netflix favourites, and be prepared for whatever Mother Nature throws our way.
- [You’ve finally moved in! What to do before you start unpacking.](https://harbourtowngroup.ca/unpacking-a-move/) - Sayonara, movers! “That’s the last one” is music to your ears. Now that you’re in your new home, all you want to do is order pizza, rip open boxes and find those darn hand towels. Before you start making the space your own, you’ll want to do your last bit of diligence.
- [Buying A Vacation Property](https://harbourtowngroup.ca/vacation-property/) - Now’s a great time to scoop up a vacation property for a bargain. Buying a cottage may be easier than you think. Talk to us about your options
- [Clowning Around & Spreading Holiday Cheer!](https://harbourtowngroup.ca/salty-clown/) - Tis the season to be jolly with our very own Salty the Clown (née David Skinner). We’re shining the Christmas spotlight on a jolly good fellow named Salty. He’s not quite Santa Claus, but he’s the next best thing.
- [Mortgage Options During Separation And Divorce](https://harbourtowngroup.ca/divorce-seperation/) - Separation and divorce is a stressful process. It’s not fun to talk about, but we’re going there, because one of the main sources of anxiety is what to do with the couple’s largest asset: the family home. There are options. Talk to us.
- [Why Use A Broker At Renewal Time](https://harbourtowngroup.ca/why-use-a-broker-at-renewal-time/) - There are many reasons to use a broker at renewal time. Here are just a few!
- [Five Must Dos For First Time Buyers](https://harbourtowngroup.ca/five-must-dos-for-first-time-buyers/) - Learn about the 5 do's and don't to keep in mind when buying your first home. For more information and tips, contact us today!
- [Documents Required For Mortgage Approval](https://harbourtowngroup.ca/documents-required-for-mortgage-approval/) - Documents Required For Mortgage Approval. Read more on the attached Fact Sheet, or give us a call today to discuss!
- [Why Use A Broker](https://harbourtowngroup.ca/why-use-a-broker-2/) - There are so many reasons to use a Mortgage Broker. Read the attached fact sheet for more info
- [Buying A Home In Canada](https://harbourtowngroup.ca/buying-a-home-in-canada/)
- [Know What's On Your Credit Report](https://harbourtowngroup.ca/know-whats-on-your-credit-report/) - It's as important as it sounds. Errors on your credit report can be seriously detrimental to your future. Learn more by reading on or contacting us today!
- [No Money Down Mortgage Approved After Multiple Declines](https://harbourtowngroup.ca/no-money-down-mortgage-approved-after-multiple-declines/) - We’re pretty proud of how we were able to help this couple get approved for a mortgage. This was a tough deal, but we worked with a great lending partner to get this mortgage approved with zero down, and cash back for renovations. Here’s the scoop: • The couple had fallen on hard times, resulting
- [We Work For You, With You And Around You](https://harbourtowngroup.ca/we-work-for-you/) - As Brokers, we can work with our clients in a variety of ways. Client convenience and choice dictates how we work. This means some clients carry-out every aspect of their mortgage transaction in person, while others achieve the same outcome without ever meeting us face-to-face.
- [October Is Here! Fall Maintenance Reminders](https://harbourtowngroup.ca/fall-maintenance/) - It’s that time again…October is a great time to prepare for the colder weather that lies ahead. You can stress less by taking care of the following before the flurries start flying!
- [New to Canada Client Approved For A $600,000 Mortgage](https://harbourtowngroup.ca/new-to-canada-client-approved-for-a-600000-mortgage/) - New-to-Canada client is approved for a $600,000 mortgage in 48 hours, at best rate When you’re New-to-Canada, obtaining financing doesn’t have to be hard. We have access to a variety of lenders with policies tailored toward the New-to-Canada demographic. We are experts on helping new Canadians, foreign students and those working through the immigration process
- [Options For First Time Home Buyers](https://harbourtowngroup.ca/options-for-first-time-home-buyers/) - Interest rates are going up, mortgage rules have changed and house prices in some parts of the country don’t seem to be going down – yet.
- [CMHC Rule Changes For The Newly Self Employed](https://harbourtowngroup.ca/mortgage-new-self-employed/) - We caught up with leaders from the Canada Mortgage & Housing Corporation to learn more about changes that may open doors for self-employed Canadians seeking financing.
- [The Blake Wilson Group Is Evolving To Serve You Better](https://harbourtowngroup.ca/blake-wilson-group-evolving/) - We continue to provide a one-stop shop for individuals seeking mortgages and any form of business or commercial financing, but we’ve added two seasoned Brokers (David & Susan Skinner) and a Manager (Joan Cote) to our residential mortgage practice.
- [Blake Wilson Group Attends Mortgage Insurer Seminar](https://harbourtowngroup.ca/mortgage-seminar/) - Last week, members of our team attended a breakfast seminar hosted by President and CEO of Genworth Canada. Genworth Canada is our country’s largest private residential mortgage insurer.
- [Special Announcement: Partnership with David & Susan Skinner](https://harbourtowngroup.ca/special-announcement-partnership/) - Mortgage industry veterans, David & Susan Skinner, have partnered with The Blake Wilson Group, powered by TMG – The Mortgage Group. The Blake Wilson Group provides residential and commercial mortgage and financing solutions across Atlantic Canada.
- [Celebrating Chinese Festival Kick-off With Yifei Xing](https://harbourtowngroup.ca/celebrating-chinese-festival-kick-off-with-yifei-xing/) - Several members of The Blake Wilson Group recently had the privilege of being entertained by top Chinese performers at the opening of Halifax’s First Chinese Festival. The event celebrates one of the most important traditional Chinese Holidays – The Mid-Autumn Holiday, which has origins dating back 3,000 years.
- [How You Earn Income Is Key](https://harbourtowngroup.ca/how-you-earn-income-is-key/) - If you’re self-employed, contracted, or have any sort of variability in your income, obtaining financing can be tough if the right questions aren’t asked, and the right lenders aren’t targeted.
- [What You Didn't Know About Blair MacDonald](https://harbourtowngroup.ca/about-blair/) - What you may not know about Blair is that he’s a former international debate champion. Debating has taken him around the world. Literally. A couple of his accomplishments include Pan-American debate champion and Canadian champion. This guy’s good.
- [Your Credit Score](https://harbourtowngroup.ca/your-credit-score/) - Okay, you’ve worked hard to build up your credit score. You pay all your debts on time, have focused on getting out of debt --maybe even closed a few of those accounts because you don’t need them or want them anymore. Then one day you apply for a loan and there are issues. What???
- [A Mortgage With No Down Payment](https://harbourtowngroup.ca/a-mortgage-with-no-down-payment/) - Getting into a home with no down payment can be done. We have access to several lenders with unique solutions. A no down mortgage can be a great fit for the right situation.
- [Why We're Mortgage Brokers](https://harbourtowngroup.ca/why-we-are-brokers/) - With all the changes to mortgage rules and the recent increases in mortgage rates, we wanted to reach out to let you know why we love our jobs as mortgage professionals – it’s all about you.
- [Mortgage Insurer CMHC aims to make it easier for self-employed to get a mortgage](https://harbourtowngroup.ca/self-employed-mortgage/) - We love it when our industry partners stop by the office, particularly to discuss new announcements aimed at having a positive impact on current and prospective clients.
- [Your August Home Maintenance Reminders](https://harbourtowngroup.ca/august-home-maintenance/) - The hot, lazy days of summer are some of the best days of the year – especially here in Atlantic Canada. With summer comes less routine, more last-minute fun (patio, anyone?!) and a more care-free attitude.
- [Interest Rate Increase Has Winners](https://harbourtowngroup.ca/interest-rate-increase-has-winners/) - Believe it or not, the recent .25% rise in the prime interest rate is an indicator of a healthy economy. Despite trade tensions, Canada’s economy looks to be weathering the tariff storm well, for now.
- [Refinancing Your Mortgage - You May Be In For A Surprise](https://harbourtowngroup.ca/refinancing/) - New mortgage rules have definitely had an impact on new home buyers, but those with an existing first mortgage who want to refinance may be in for a surprise. If you were considering refinancing to consolidate your debts, or...
- [Clients Looking to Make a Major Renovation Which Would Almost Double the Value of their Home](https://harbourtowngroup.ca/clients-looking-to-make-a-major-renovation/) - Here’s the scoop: Our clients were in a situation where they wanted a larger and newer house, but they loved the area they lived in and their neighbours. They had spoken to their current bank about the idea of a major renovation and, despite being very well qualified from an income perspective, they were having
- [Self-Employed Builder Looking to Take Out Equity to Invest in his Business](https://harbourtowngroup.ca/self-employed-builder-looking-to-take-out-equity/) - Here’s the scoop: Our client was looking for additional funds for a construction project. He had already approached his bank, but was unhappy with the loan amount they were offering due to the limited amount he claimed as personal income (although he had high net worth). BWG worked with the client to find an all-in-one
- [Investment Property Owners](https://harbourtowngroup.ca/investment-property-owners/) - Here’s the scoop: Our clients are partners owning rental properties. Both are self-employed, with incomes ranging on their CRA Notice of Assessments from the past two years. They did not qualify for financing with a conventional lender. They had done significant improvements to one of their properties and were looking to take some of the
- [Small Business Owner Couple Secure Best Available Rate in less than 24 hours with 20% Down](https://harbourtowngroup.ca/small-business-owner-couple-secure-best-available-rate/) - Here’s the scoop: Our clients had secured a pre-sale condo a few years ago with 15% down payment. The condo was set to close in a month, but they did not have financing in place. Their business had good cash flow, however they did not claim much income personally. Two banks declined them, along with
- [New to Canada – BWG Helps Permanent Residents Purchase Their Dream Home ](https://harbourtowngroup.ca/new-to-canada-bwg-helps-permanent-residents/) - Here’s the scoop: Our clients, a husband and wife, are both Canadian Permanent Residents. One spouse is currently living overseas while they search for employment here in Canada. Prior to meeting us, our clients had successfully secured 65% financing from a bank. This sounds like a decent solution, but the problem is they wanted to
- [New to Canada - BWG Helps Self Employed Business Owner After Multiple Declines](https://harbourtowngroup.ca/new-to-canada-bwg-helps-after-multiple-declines/) - Here’s the scoop: Our client moved to Canada under an investment program to open a business here. He was in the set-up stage, so the business was not yet generating revenue. He wanted to purchase a home but had been declined by multiple banks and brokers. Here’s how we helped: After others had failed, we
- [Purchase a property with no money down](https://harbourtowngroup.ca/purchase-a-property-with-no-money-down/) - Here’s the scoop: We recently worked with a client to purchase a property for his business. The property would accommodate other tenants and our client would occupy 50% of the space. The client wished to make significant improvements to the property following acquisition. Because the client’s business has seasonal fluctuations in revenue, having access to operating
- [A Reverse Mortgage May Be The Answer](https://harbourtowngroup.ca/reverse-mortgage/) - aving enough for retirement can be a challenge. As people continue to live longer, retirement savings are being stretched further over many more years. However, there is an option that is increasing in popularity – a reverse...
- [Building Friendships & Sharing Cultures](https://harbourtowngroup.ca/friendship-and-culture/) - We have a client who is a long-time supporter of the Halifax Chinese Language School. The school is a cultural hub, offering courses in traditional Chinese dance, music, and art as well as mathematics and Mandarin. On...
- [The Growth Of Private Mortgage Lending](https://harbourtowngroup.ca/growthoflending/) - Getting a mortgage from a bank or a non-bank lender has become a bit more challenging. With the recent introduction of new mortgage rules, lenders have had to tighten...

## Pages

- [Home](https://harbourtowngroup.ca/) - Your complete platform: Mortgage financing, development, construction, and capital, all under one roof.
- [Contact Us](https://harbourtowngroup.ca/contact-us/) - Start Your Real Estate Journey with HarbourTown Group in Halifax, Nova Scotia. Contact us via phone, email, or visit our offices in Halifax or Bedford.
- [Colin Peters](https://harbourtowngroup.ca/colin-peters/) - Colin Peters is Chief Operating Officer Professional engineer with Gold Seal and Lean certifications who leads with strategic vision and technical precision
- [Brendan Horning](https://harbourtowngroup.ca/brendan-horning/) - Brendan Horning, CFO of HarbourTown Group, brings 15+ years of expertise in corporate finance, tax strategy, advisory, driving financial growth and efficiency
- [Matt Flynn](https://harbourtowngroup.ca/matt-flynn/) - As a Chief Growth Officer at HarbourTown Group, Matt plays a key role in driving the firm's growth, managing strategic partnerships.
- [Dan Jones](https://harbourtowngroup.ca/dan-jones/) - Dan Jones is a seasoned construction and development professional, with expertise spanning development management, operations, & large-scale project execution.
- [Projects](https://harbourtowngroup.ca/projects/) - Projects | HarbourTown Group: Our integrated platform delivers exceptional results across Atlantic Canada from residential communities to healthcare facilities.
- [About Us](https://harbourtowngroup.ca/about-us/) - Over 50 years of combined experience in Atlantic Canada real estate. From a Mortgage Brokerage to an Integrated Real Estate Leader in Atlantic Canada.
- [Privacy Policy](https://harbourtowngroup.ca/privacy-policy/) - HarbourTown Group's Privacy Policy explains how we collect, use, and protect personal data under PIPEDA. Learn about cookies, data security, and your rights.
- [Terms & Conditions](https://harbourtowngroup.ca/terms-conditions/) - Read HarbourTown Group’s Terms & Conditions for website use, mortgage services, privacy, and liability. Stay informed about your rights and responsibilities.
- [News](https://harbourtowngroup.ca/news/) - Stay ahead of the curve with HarbourTown Group's News & Insights. Market updates and practical insights from Halifax's integrated real estate platform

## Project

- [73 Tacoma Drive – Residential Conversion](https://harbourtowngroup.ca/project/73-tacoma-drive-residential-conversion/) - HarbourTown is converting 73 Tacoma Drive in Dartmouth, Nova Scotia, from office space into a modern 70-unit residential apartment building.
- [Upper Hammonds Plains Community Land Trust](https://harbourtowngroup.ca/project/upper-hammonds-plains-community-land-trust/) - 136-unit townhome development supporting community-led housing with modular construction and sustainable building practices.
- [The Uplands Townhome Development](https://harbourtowngroup.ca/project/the-uplands-townhome-development/) - 150-unit multi-phase townhome project using modular construction, local materials, and full site servicing for efficient housing delivery.
- [NSH Windmill Road Collaborative Care Clinic](https://harbourtowngroup.ca/project/nsh-windmill-road-collaborative-care-clinic/) - Three-storey steel healthcare facility for Nova Scotia Health supporting team-based care with full site, structural, and interior fit-up.
- [Dr. Maria Angwin Memorial - Wyse Road Health Clinic](https://harbourtowngroup.ca/project/dr-maria-angwin-memorial-wyse-road-health-clinic/) - 15,000 sf tenant improvement and restoration with MEP upgrades, structural repairs, and added expansion phase in Dartmouth, NS.
- [Pockwock Townhomes – Upper Hammonds Plains](https://harbourtowngroup.ca/project/pockwock-townhomes-upper-hammonds-plains/) - Two-phase townhome development with 54 units, built with environmental protection measures and careful site coordination.
- [Long Term Care & Assisted Living Conversion – Amherst Centennial Villa](https://harbourtowngroup.ca/project/long-term-care-assisted-living-conversion-amherst-centennial-villa/) - 22,000 sf phased renovation converting occupied space into long-term care and assisted living with improved accessibility and systems.
- [Structural Upgrade & Full Renovation – 85 Portland Street](https://harbourtowngroup.ca/project/structural-upgrade-full-renovation-85-portland-street/) - Full structural upgrade and renovation delivering rental units and turnkey commercial spaces with new systems, finishes, and façade.
- [EMCO – New Tilt-Up Concrete Warehouse & Office](https://harbourtowngroup.ca/project/emco-burnside-warehouse-office/) - 13,000 sf tilt-up concrete office and warehouse in Burnside, NS with 31-ft clear height, loading dock, and early project delivery.

## Services

- [HarbourTown Capital](https://harbourtowngroup.ca/service/harbourtown-capital/) - Strategic Investment in Atlantic Canada’s Growth. Creating value through integrated real estate investment opportunities.
- [Development Management](https://harbourtowngroup.ca/service/development-management/) - Great projects start with smart planning. Our development team makes sure every detail works before breaking ground.
- [Construction Management](https://harbourtowngroup.ca/service/construction-management/) - Building Excellence Through Innovation. Advanced technology meets hands-on experience. We deliver quality projects on time and on budget.

## Categories

- [Industry News](https://harbourtowngroup.ca/category/news/)
- [In The Community](https://harbourtowngroup.ca/category/community/)
- [About Us](https://harbourtowngroup.ca/category/about-us/)
- [Giving Back](https://harbourtowngroup.ca/category/giving/)
- [Mortgage Mechanics](https://harbourtowngroup.ca/category/mortgage-mechanics/)
- [Tips & Tricks](https://harbourtowngroup.ca/category/tips-tricks/)
- [Construction](https://harbourtowngroup.ca/category/construction/)
- [Research](https://harbourtowngroup.ca/category/research/)
- [Real Estate Financing](https://harbourtowngroup.ca/category/real-estate-financing/)
- [Mortgage Solutions](https://harbourtowngroup.ca/category/mortgage-solutions/)

## Tags

- [Construction Trends](https://harbourtowngroup.ca/tag/construction-trends/)
- [Planning and Execution](https://harbourtowngroup.ca/tag/planning-and-execution/)
- [Rising Demand in Construction](https://harbourtowngroup.ca/tag/rising-demand-in-construction/)
- [Real Estate Development](https://harbourtowngroup.ca/tag/real-estate-development/)
- [Real Estate Optimal Returns](https://harbourtowngroup.ca/tag/real-estate-optimal-returns/)
- [Real Estate Success](https://harbourtowngroup.ca/tag/real-estate-success/)
- [Strategic Equity Partnerships](https://harbourtowngroup.ca/tag/strategic-equity-partnerships/)
- [Atlantic Canada Real Estate](https://harbourtowngroup.ca/tag/atlantic-canada-real-estate/)
- [Capital Stack Solutions](https://harbourtowngroup.ca/tag/capital-stack-solutions/)
- [Equity Partnerships](https://harbourtowngroup.ca/tag/equity-partnerships/)
- [Financing Strategies](https://harbourtowngroup.ca/tag/financing-strategies/)
- [Real Estate](https://harbourtowngroup.ca/tag/real-estate/)
- [Real Estate Financing](https://harbourtowngroup.ca/tag/real-estate-financing/)
- [Structured Investments](https://harbourtowngroup.ca/tag/structured-investments/)
- [busy spring market](https://harbourtowngroup.ca/tag/busy-spring-market/)
- [home selling](https://harbourtowngroup.ca/tag/home-selling/)
- [Homebuyers](https://harbourtowngroup.ca/tag/homebuyers/)
- [Homesellers](https://harbourtowngroup.ca/tag/homesellers/)
- [mortgage porting](https://harbourtowngroup.ca/tag/mortgage-porting/)
- [mortgage pre-approval](https://harbourtowngroup.ca/tag/mortgage-pre-approval/)
- [Realtor partner](https://harbourtowngroup.ca/tag/realtor-partner/)
- [Buying Home](https://harbourtowngroup.ca/tag/buying-home/)
- [refinancing a home](https://harbourtowngroup.ca/tag/refinancing-a-home/)
- [Selling Home](https://harbourtowngroup.ca/tag/selling-home/)
- [Alternative Mortgages](https://harbourtowngroup.ca/tag/alternative-mortgages/)
- [Bank of Canada](https://harbourtowngroup.ca/tag/bank-of-canada/)
- [housing market](https://harbourtowngroup.ca/tag/housing-market/)
- [mortgage markets](https://harbourtowngroup.ca/tag/mortgage-markets/)
- [housing](https://harbourtowngroup.ca/tag/housing/)
- [mortgages](https://harbourtowngroup.ca/tag/mortgages/)
- [election](https://harbourtowngroup.ca/tag/election/)
- [first-time buyers](https://harbourtowngroup.ca/tag/first-time-buyers/)
- [budget](https://harbourtowngroup.ca/tag/budget/)
- [financial future](https://harbourtowngroup.ca/tag/financial-future/)
- [estate planning](https://harbourtowngroup.ca/tag/estate-planning/)
- [homeownership tips](https://harbourtowngroup.ca/tag/homeownership-tips/)
- [wills and real estate](https://harbourtowngroup.ca/tag/wills-and-real-estate/)
- [mortgage advice](https://harbourtowngroup.ca/tag/mortgage-advice/)
- [homeowner checklist](https://harbourtowngroup.ca/tag/homeowner-checklist/)
- [real estate planning](https://harbourtowngroup.ca/tag/real-estate-planning/)
- [insurance review](https://harbourtowngroup.ca/tag/insurance-review/)
- [mortgage tips](https://harbourtowngroup.ca/tag/mortgage-tips/)
- [lowest mortgage rate](https://harbourtowngroup.ca/tag/lowest-mortgage-rate/)
- [refinance tips](https://harbourtowngroup.ca/tag/refinance-tips/)
- [mortgage broker](https://harbourtowngroup.ca/tag/mortgage-broker/)
- [choosing a mortgage](https://harbourtowngroup.ca/tag/choosing-a-mortgage/)
- [credit score](https://harbourtowngroup.ca/tag/credit-score/)
- [credit utilization](https://harbourtowngroup.ca/tag/credit-utilization/)
- [maxed out cards](https://harbourtowngroup.ca/tag/maxed-out-cards/)
- [mortgage approval](https://harbourtowngroup.ca/tag/mortgage-approval/)
- [credit card debt](https://harbourtowngroup.ca/tag/credit-card-debt/)
- [refinance options](https://harbourtowngroup.ca/tag/refinance-options/)
- [improve credit score](https://harbourtowngroup.ca/tag/improve-credit-score/)
- [debt consolidation](https://harbourtowngroup.ca/tag/debt-consolidation/)
- [Blake Wilson](https://harbourtowngroup.ca/tag/blake-wilson/)
- [reverse mortgages](https://harbourtowngroup.ca/tag/reverse-mortgages/)
- [home equity](https://harbourtowngroup.ca/tag/home-equity/)
- [family support](https://harbourtowngroup.ca/tag/family-support/)
- [Canadian real estate](https://harbourtowngroup.ca/tag/canadian-real-estate/)
- [financial planning](https://harbourtowngroup.ca/tag/financial-planning/)
- [mortgage affordability](https://harbourtowngroup.ca/tag/mortgage-affordability/)
- [debt-service ratio](https://harbourtowngroup.ca/tag/debt-service-ratio/)
- [car loans and mortgages](https://harbourtowngroup.ca/tag/car-loans-and-mortgages/)
- [credit card impact on mortgage](https://harbourtowngroup.ca/tag/credit-card-impact-on-mortgage/)
- [student loans and mortgage](https://harbourtowngroup.ca/tag/student-loans-and-mortgage/)
- [mortgage qualification tips](https://harbourtowngroup.ca/tag/mortgage-qualification-tips/)
- [refinancing advice](https://harbourtowngroup.ca/tag/refinancing-advice/)
- [HarbourTown Group](https://harbourtowngroup.ca/tag/harbourtown-group/)
- [home buying tips](https://harbourtowngroup.ca/tag/home-buying-tips/)

## Portfolio Categories

- [Multi-Family Residential](https://harbourtowngroup.ca/portfolio-category/multi-family-residential/)
- [Commercial/Industrial](https://harbourtowngroup.ca/portfolio-category/commercial-industrial/)
- [Healthcare Facilities](https://harbourtowngroup.ca/portfolio-category/healthcare-facilities/)
- [Urban Renewal / Mixed-Use](https://harbourtowngroup.ca/portfolio-category/urban-renewal-mixed-use/)

## Service Categories

- [Version 5](https://harbourtowngroup.ca/service-category/version-5/)