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Yes, been away for too long. It's time to come home! A lot of mix emotions...!

Thank you so very much. I have finally handed in my resignation with 3 months notice. If all goes as planned, I will be back for good sometime in April. Will be in Toronto for Christmas and starting to check around. Will keep you all posted and come back for more advises.

Hi guys. Pardon my ignorance. What is the advantage and disadvantage of dealing direct with a bank vs through a broker? How would a broker charge?

Thanks all for the advise. Apparently it's more complicated than I expected. Good thing I found out all these from you guys before we start house hunting. Gosh, it really dampens my spirit!

Re: Can I get a mortgage w/ no job? Thanks all. Guess I will have to brave the water and start talking to all the banks. Wish me good luck. Will keep you posted. In the meantime, any info and support are welcome. It helps keep my spirit up.

Re: Can I get a mortgage w/ no job? Thanks for all your inputs. As we have savings and investments tucked aside plus my bf's has income from his business, paying the mortgage is not a problem. Of course, the key thing is whether the bank would think so too and grant me the mortgage without any...

Re: Can I get a mortgage w/ no job? Just as a pre-caution, can any one suggest a few other mortgage brokers who might be helpful to me?

Thanks Dpark. I feel a whole lot better now. Hope I will have good news to share soon. All the best!

What a confidence booster! Thank you so very much. I dealt with HSBC. Do you know if they operate in a similar manner or more stringent compared to TD?

Unfortunately not!

Hi, I am an overseas Canadian. I am planning to join my bf in Toronto and buy a house together. He is self employed and might be hard to get a morgage. I am in the process of quiting my job and getting ready to move. We are looking at a house at around $350000 and 50% down. We will have a...