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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...

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...

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...

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...

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...

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.

hey sorry just saw the email notice about ur question. if you're international student 35% is the minimum. they wont give you with less, even small lenders are going to ask 35%, unless you have a full time job and valid work permit you can use your income to qualify then u can put less. Which...

i know that you're not supposed to send the initial one you get on the day you marry but send it to the Sudbury (or maybe Thunder bay) and they mail you the official, that is the one i sent to them. i thin on the day you get your license which is a less thana a4 size ceritifcate, i heard thats...

apoligies my bad, i was thinking 2019.

someone from whats up group received AOR december 27th

thank you for the kind wishes and suggestions. , i hope you get the PR soon,

hopefully everything works out good, i still have 7 months till my wife's PGWP ends, but if there is no indication of the AIP i think i ll apply in 2-3 months for the OWP

did you end up speaking with IRCC, what did they suggest?

i just received mine(dec 6th ) on tuesday, just be patient, yours is up in the next 10 days. this is nothing, we still have to wait another 2 months for medical and another for background.

there is a excel sheet, i cant find the link(probably the first page of this thread), but in that excel sheet if you click on the december tab, you will see under the chart there is the invite.

hey my wife is in a similar situation. she has PGWP till end of september and my application was received december 6th. i ended up not applying for OWP. the rule says, if you already submitted your appllication , you can still apply but you have to mail it, looks like it takes a while, but you...

actually you can still apply for OWP, after your application was even submitted. here it is: https://www.cic.gc.ca/english/helpcentre/answer.asp?qnum=1163&top=17 quote: " If the permanent residence application has not been approved in principle: Mail the completed application Make sure to...

when do you guys are expecting your medical request to kick in?

my guess is everyone is getting the email today, mine was first thing in the morning, and couple of people from our whatsapp group has received as well.

hey nick , i hope not, its a long 61 days to return, someone from whatsup group same day hasnt received it too.