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Free Professional Advice

Why choose Micah? Because I provide valuable professional advice and it’s FREE!

Why pay more than needed? Get my rate specials. Let me negotiate the best rate for you and save money.

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Best Rates

Let me shop the major banks and top lenders for you.

Let me negotiate the best rate. Remember I work for you, not the banks.

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Get Approved

My approval rating is high.

With my portfolio of lenders, I can find you a program that works for you.

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Lower rates equals thousands in savings.

Why pay more than needed? Get my rate specials. Let me negotiate the best rate for you and save money.

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When the banks are closed, I am not.

I work for you and I am at your service 7 days a week.

Blog by Micah Verceles

Ottawa to limit taxpayers’ exposure to mortgage market

March 31st, 2013

Finance Minister Jim Flaherty is stepping into Canada’s mortgage insurance market once again.

In the federal budget tabled Thursday, Ottawa announced further steps to limit taxpayers’ exposure to the mortgage market by cracking down on banks’ ability to use bulk mortgage insurance as a tool to offset their risks and boost their bottom lines.

The move is the latest indication of Mr. Flaherty ...

The 2% BC Transition Tax on new homes coming April 1, 2013

March 31st, 2013
If you are planning on buying a new home over the next two years, then you need to know about the 2% BC Transition Tax.

It is a new tax that comes into effect on April 1, 2013. It will apply to the sale of new residential homes that are 10% or more complete as of April 1, 2013. The 2% BC Transition Tax will end on March 31, 2015.


Budget 2013: Canadians could cash in by reporting tax cheats

March 31st, 2013
OTTAWA -- Canadians who tip off the revenue agency on major international tax evasion cases could be rewarded with 15 per cent of the recovered money, Finance Minister Jim Flaherty announced in the federal budget Thursday, as part of an overall plan to boost "fairness and integrity" to the tax system.


TD Economics Special Report: Long -Run Rate of Return for Canadian Home Prices

March 31st, 2013
They are forecasting a flatline of price increases in the next decade, moving with the rate of inflation. Interesting details that they see a drop in prices over the next 3 years or so and then price rises above inflation for the latter part of the decade.


Bank of Canada maintains overnight rate target at 1 per cent

March 31st, 2013
Ottawa - 

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1 per cent. The Bank Rate is correspondingly 1 1/4 per cent and the deposit rate is 3/4 per cent.

The global economic outlook is broadly consistent with the Bank’s projection in its January Monetary Policy Report (MPR).  Global financial conditions remain stimulative, despite recen ...

Flaherty warns banks over igniting mortgage war as BMO cuts rates

March 31st, 2013
Finance Minister Jim Flaherty is issuing a warning to the country’s banks, as stiff competition for mortgage customers is prompting lenders to cut rates heading into the key spring home-buying season.

“My expectation is that banks will engage in prudent lending – not the type of ‘race to the bottom’ practices that led to a mortgage crisis in the United States,” Mr. Flaherty said in a state ...