What are you doing to become financially independent?
Most of us struggle just to get through the day with little thought to our financial futures but wouldn't it be nice to reach a point where work became an option and not a necessity!
Here are three things you need to do to attain financial independence:
1) Spend less than you make.
Duh...but how many Canadian households fail to do this? The answer is far too many!
2) Pay yourself first.
Are you saving a percentage of e...
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Mortgages
Testimonial: Heather Otton
I was shocked to discover that after 2 years of complicated divorce litigation, and finally settling everything, that my bank would not allow me take over my existing mortgage. This is after having a mortgage with this same bank for 15 years and having paid it on my own for many years (with their knowledge), having exceptional credit, and always being employed.I contacted Andy MacDonald for advice and to see what my options were. Andy's knowledge and professional approach are impeccable. While m...
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Testimonial: Debbie McCue
I found Andy to be extremely patient and responsive to my multitude of questions about the fee schedules and returns of Mutual Funds, RRSP’s, RESP’s, and Tax Free Savings Accounts. My experience over the years has been that big banks and many financial advisers evade fee questions and are either unwilling or unable to answer my questions in layman’s terms. Andy helped me to understand my options and decide what would be best for me for my investments, and I would highly recommend him to anyone l...
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Testimonial: Jackie Morra
Just wanted to say thank you to Andy for giving great advice and options that you won’t usually get from the banks or much place else for that matter. He takes the time to understand your needs and gives advice you can understand and use to make the best decision for your situation. Thanks a lot!Jackie MorraPickering, Ontario
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Testimonial: Lisa Blunt
Andy helped my husband and I with our first mortgage. With low taxable income, and Chip’s new credit in Canada, we were not the easiest situation to market to a bank! We completely trusted Andy, and he found us a mortgage that worked perfectly for us. We are already working with Andy again on a mortgage for our upcoming home purchase. He’s the best!Lisa BluntOakville, Ontario
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Testimonial: Jerome Reid
Among my friends and co-workers I have become know as the “go to guy” for real estate related information (i.e. agents, appraisers, lawyers, mortgage brokers, property managers, etc.). The geek in me enjoys researching and following-up on real estate info and professionals. Only select friends and acquaintances get my researched referral information. I do it not for money but because I remember how frustrating it was meeting a lot of “sharks” out there when I was preparing to build my “power tea...
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Testimonial: Michael Nixon
Basically, my wife and I were in a fairly desperate situation when I approached Andy. Our finances were a mess and we needed a new second mortgage to consolidate our debts. Frankly, I didn’t think it could be done but Andy kept hope and was able to arrange a second mortgage at a good interest rate and with the hope that the future will be even brighter. While it was a difficult process, Andy kept the faith and did a great job. My thanks to Andy.Michael NixonOttawa, Ontario
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Testimonial: Robert Mills
You made our first home purchase, which can be overwhelming, completely worry free with your superior customer service. But what really impressed me was your honest advice with my questions a couple of years later. This on going commitment to service is something that sets you apart and keeps customers coming back for life. I know I will continue to contact you and recommend you to my family, friends, and colleagues in the future. Keep up the great work!Robert MillsMississauga, Ontario
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Testimonial: Dawn Keenan
Andy gave me excellent advice on my unusual financial situation and got me a preferred rate where I might have had difficulty qualifying had my husband and I arranged matters differently in the purchase of our home. Shortly before closing, he found a lower rate with a competing bank which we locked in, saving us hundreds of dollars per year. Thanks for patiently and professionally answering all my questions and going the extra mile.Dawn KeenanKitchener, Ontario
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Testimonial: Roy Sampson
I wanted to take this opportunity to thank Andy for his professional and knowledgeable approach to my mortgage needs. He really went the extra mile to get the best deal and put it together quickly. Thanks Andy!Roy SampsonOakville, Ontario
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