Ask David

Private mortgage, Renting out a townhouse

Dear David, We don’t qualify to purchase as much as we did a year ago. Should we look at a private mortgage? – LOOKING FOR OPTIONS DEAR OPTIONS: There are a number of mortgage alternatives, including A-type lenders (major banks), B-type lenders (major Canadian institutions, which may be less stringent in their rules) and private

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Ask David

Is a garage build worth it? How credit score affects home purchase

Dear David, We have an old shed/garage and want to build an oversized detached garage in its place. So far, quotes have been between $35-40 thousand! We plan to sell eventually. Would it be better to spend the money fixing up our tired kitchen and bathroom? – SHOCKED DEAR SHOCKED: Without having seen your home,

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