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  1. M

    December 2019 Inland Spousal Application (With or Without OWP)

    dunno if u follow the whatsapp group but starting monday u can book biometrics appoointment urself online, check twitter.
  2. M

    December 2019 Inland Spousal Application (With or Without OWP)

    saw on Ecas decision made for both sponsorship of PR, wife(PA) got the message , december 6th applicant, no extra docs asked bio done october 1st , medical sept 15 and passed 2 weeks later
  3. M

    December 2019 Inland Spousal Application (With or Without OWP)

    december 6th , still no DM or updates, already had the bio and medical in september. patiently waiting for that magical email hopefully no more supporting documents.
  4. M

    Anyone doing/done mortgage with Ijara Canada (Ijara loans)

    never understood the islamic financing side, though im from Turkey, my university professor in montreal did his phd in the islamic financing he told me its almost same as regular banking, just different jargons. i respect people's beliefs and choices, but small institutions are a shadow place...
  5. M

    December 2019 Inland Spousal Application (With or Without OWP)

    funny enough the clinic just called me and said they submitted my wife's med results yesterday
  6. M

    December 2019 Inland Spousal Application (With or Without OWP)

    oh no way i didnt know that, i actually was about to visit them today, so just get a copy of all results, how do i submit through webform?
  7. M

    December 2019 Inland Spousal Application (With or Without OWP)

    i got my wife medicam request on the 15th (trying to push the clinic to send the results, ATCC doctors scarborough worse place ever) and i got the biometrics call on wednesday and we went yesterday to the scarboriugh passport office, it was less than 5 minutes and was so easy, when we went to...
  8. M

    December 2019 Inland Spousal Application (With or Without OWP)

    dec 6th got the medical this morning.
  9. M

    changing from PGWP to Open work permit

    Hi everyone, my wife has PGWP expiring end of this month, i applied to sponsor her , my application receive date is dec 6th, so anyone who changed from PGWP to Open work permit, how did you apply on the immigration site, as a bridging or new work permit? if anyone who has done the same can you...
  10. M

    Buying house on Workpermit with 5% downpayment?

    definitely agree the GTA unaffordable prices and the new wave of people starting work from home is going to drive up the outside of GTA areas even more than the city. interesting that this summer cottage prices are soaring crazy.
  11. M

    Buying house on Workpermit with 5% downpayment?

    actually 1mil you need 25,000 for the first 500k 10% for excess of 500k which is 50k total DP: $75,000 , $925,000 mtg with cmhc you are looking at 200-225k income
  12. M

    Buying house on Workpermit with 5% downpayment?

    i have a client who called me yesterday they bought a pre construction home in ottawa from cardel, they want to move there, much cheaper they get a brand new built house vs toronto u get 1930s houses(they are decent built though) downtown condos are not made with good material, the work is so...
  13. M

    Mortgage Approval

    it happened the other day, some client claiming another broker that he did not consent for the bureau but they still pulled. i think sometimes people do that to coerce the client to deal with you, because they feel with a credit check already done, clients think they are stuck with that person...
  14. M

    Buying house on Workpermit with 5% downpayment?

    hey tonight its all you and me replying back and forth :) i definitely agree with you,the status certificate is not everything and its funny you mention your parents, when we bought my parents a condo in 2017, everything looked perfect, and then it turns out they want to replace the crappy...
  15. M

    Mortgage Approval

    nowadays almost all banks have free credit service(equifax or transunion), thats why when i see the client is not ready to commit, i tell them to check their credit history through their online banking or credit karma. for ex RBC online banking has access to transunion reports, since its under...
  16. M

    Buying house on Workpermit with 5% downpayment?

    i also think for condos or townhouses, check the status certificate, one of the most important thing about the health and potential problems of a condo corp. its worth paying your lawyer couple of hundreds to make sure, the condo corp has good cash liquidity and no legal issues. especially...
  17. M

    Mortgage Approval

    my guess is same, its a rabbit hole people would go through just to get a mortgage. this happened i think 3 years ago, when B-lender was doing an internal review, they started seeing a very common theme with employer letter. and figure out some broker keeps supplying the same format of an...
  18. M

    Mortgage Approval

    not every single time, i have been working for the bank 12 years, and i have seen all sorts of fraud attempts, 90% of the time, either employment letter looks suspicious, t4 2019 and paystubs dont match , or there are many inconsistencies, but i have seen pretty good attempts as well. if we have...
  19. M

    Mortgage Approval

    thats so bad that people force you to do a credit check without your consent and then use that to keep you there. actually one credit check does not decrease your credit that much, it depends what your current score is, when my clients are not sure to start a pre approval, i usually tell them to...
  20. M

    Mortgage Approval

    exactly, unfortunately brokers are either very stingy, and some ar every experienced some are crooks, and they hate doing pre approvals(cause it takes time). they rather push u to buy, and then set u up with a lender with huge fees or rates.