Affordability Issues

Are you falling behind financially? Are your bills piling up and the money is running out? Are you fearing your mortgage renewal, knowing that you will not be able to afford the payment? Call our financial experts for help!

Why has this happened?

Over the past decade, Canadians have experienced record low interest rates. In 2022, Interest rates began to increase as the central banks reacted to increased inflation. With increased rates, comes higher mortgage costs and many people are struggling to make ends meet.

Fixed rate mortgages have gone up substantially upon renewal.

People with variable rate mortgages have different experiences, depending on on the lender. Some lenders keep payment at a level amount, however they increase amortization period. Our experts have seen mortgages with terms of 67-100 starting to come across our desks.

Some, with variable mortgages have mortgages that maintain a normal amortization but hike the payment in lock step with Bank of Canada causing your mortgage payments to go up substantially.

What can be done?

First and foremost, call our financial experts. Every situation is unique and we will custom tailor a solution that meets your personal financial needs. We will examine your entire financial situation to determine the most affordable path forward.

We can assist with:

  • budgeting / financial planning
  • refinancing
  • second mortgages
  • debt consolidation

The Graeme Moss Solution

Whatever the case, we can review your situation to figure out what options you have to save your home. Don’t let fear prevent you from reaching out. The problem will not go away on its own; you need someone who will work with you to stop the legal pressure.

Contact us today for a free, confidential review of your situation. We are here to help.

People we’ve helped.

  • I first met Graeme over the phone when we were living in Hamilton and finding it difficult to make our payments. He was so helpful and we knew he genuinely wanted for us to be successful. Ever since, we have gone to him when purchasing a new home or refinancing because we trust him and we know he cares. He always goes above and beyond to help us when we need it. We went from struggling to make payments to living in our dream home in a few short years.  I truly believe that it is because of his knowledge and passion for helping people build their futures that we are where we are today. Thank you, Graeme!!

    M. V. Hamilton, ON
  • Thank you Graeme, for everything you did to help us with our mortgage, for your patience with my questions and professionalism. We truly appreciate yours and Deborah’s efforts on our behalf.  We’ll be sure to recommend you to anyone we know who needs help like we did. Thanks so much for everything.

    J. M. Hamilton ON
  • Graeme Moss has provided stellar customer service and was a key player in ensuring due diligence. It was both a pleasure & very professional dealing with Graeme when I turned to Fair Mortgage Solutions seeking an interim solution.  He, once again was very accurate in advising me, he is not a lawyer. What prompted me to negotiate the legal fees was associated to why this crucial “matter” between legal departments was not finalized in 2017.  Moving forward, Graeme’s diligence directed me immediately to the right department. Your department honoured negotiating and we established completion of the task at hand, the Discharge of the MTG. Thank you!

    K. W. Burlington, ON
  • We refer clients to Graeme who are either having serious financial issues, or are recovering from a bankruptcy or proposal filing. They are challenging situations. I can count on Graeme to treat people with compassion and respect. I trust that if there is a mortgage solution to be found, Graeme will make it happen. He truly cares about people and helps them to succeed.

    Christine Zuk President, Vine and Williams Inc.
  • You and your team are awesome. You truly care and you saved my life. Thank you.

  • This is great. We were so worried. Hearing how others helped who were in a similar situation. This is a godsend. We appreciate the roadmap. Glad it is within 3 days. The advice free, can’t go wrong.

    H.H Mississauga
  • My wife and I were stunned at the speed you got this done. The fee was very low. We are thrilled. Thank you for your help!

    D.H. St. Catharines
  • You guys are friggin awesome! We feel so happy. Thank you so much.

    S.R. Oshawa
  • You have been a godsend. An absolute godsend. I can finally sleep at night. My children thank you. We have 6 options instead of being forced what to do.

    L.E. Mississauga
  • I'm a first time home buyer and had a very positive experience working with Graeme Moss, he gave good advice and made the process very easy.