Ron Miller, Butler Mortgage

Ron Miller, Butler Mortgage

A relaxed and informative approach to mortgages.

When we say we work for you, we mean it. At Butler Mortgages we take care of all the necessities involved in getting you the right mortgage. We shop the entire Canadian Mortgage Market so you can concentrate on making your move go smoothly!!! We'll meet to discuss your needs when and where you like or handle everything over the phone, if you prefer. We'll take the time to explain all the steps and terms in plain English to make sure you're completely comfortable. Then we'll shop your mortgage to Canada's leading lenders who compete for the opportunity of funding your mortgage. Because we don't work for the lenders, we have virtually unlimited access to leading financial institutions from across Canada. This guarantees you a huge range of mortgage options to choose from, so finding one that fits your needs precisely is simple. And as independent local business people, we won't lead you in any one direction. We'll offer expert, unbiased advice so you can feel confident you're getting the best-available rate and features.



An entire town was terrified by the sound of a machine gun. Turns out, it was just this little guy 😂

What Did I Just Watch?

This might be the angriest cat I've ever seen 😂 😂

Ottawa’s housing reforms target foreign buyers, mortgage debt Finance Minister Bill Morneau said capital gains loopholes to be closed and standardized eligibility rules for mortgages introduced

Expect tougher mortgage rules by November The tougher mortgage rules means that for the average home buyer it will be harder to get a mortgage and rates may even start to rise.

Bobbie Miles, Keller Williams Edge Realty, Brokerage

OPEN HOUSE 2-4 Sat & Sun!
Fabulous bungalow on Hamilton Mountain!! Nothing to do but move in! Completely updated, open concept 3 bedroom bungalow, only a few minutes walk to Juravinski Hospital. All the big things have just been done within the past 2 years - HVAC, Roof, Windows, the list goes on! Parking for 2 vehicles. The backyard is just calling for friends to come by! Fully fenced for the kids and pets to play in and a great deck for BBQs and entertaining. Fully finished lower level, complete with a second kitchen - perfect for in-laws or out-of-town guests! Who do you know who's looking for a great home like this one? Let's chat!

Mortgage insurer Genworth follows CMHC in raising premium

June 1st, CMHC increasing rates for 5% down purchases. The rate will go up by 15 per cent for buyers who have a down payment of 10 per cent or less


Wow, Nice Work!!!

Bank of Canada will cut interest rate again, TD Bank predicts The Bank of Canada will cut its key interest rate again in March, TD Bank predicts in an update to its 2015 forecast.

The Second Coming — Greater Fool – Authored by Garth Turner – The Troubled Future of Real Estate How could you not? Just weeks earlier stock markets had hit the lowest point of the financial crisis, plunging the most in 80 years. Investors saw 55% of the value of equities erased, Meanwhile the auto sector was being decimated, with mass layoffs happening there and across the economy. Wall Street…

[11/21/14]   It doesn't have to be Remembrance Day to remember; it should be every day.

This article was sent to me by my friend Beckey Germana...

British newspaper salutes Canada . . . this is a good read. It is funny how it took someone in England to put it into words......Salute to a brave and modest nation
Kevin Myers , 'The Sunday Telegraph' LONDON :November 2013.

Until the deaths of Canadian soldiers killed in Afghanistan , probably almost no one outside their home country had been aware that Canadian troops are deployed in the region. And as always, Canada will bury its dead, just as the rest of the world, as always will forget its sacrifice, just as it always forgets nearly everything Canada ever does. It seems that Canada 's historic mission is to come to the selfless aid both of its friends and of complete strangers, and then, once the crisis is over, to be well and truly ignored.

Canada is the perpetual wallflower that stands on the edge of the hall, waiting for someone to come and ask her for a dance. A fire breaks out, she risks life and limb to rescue her fellow dance-goers, and suffers serious injuries. But when the hall is repaired and the dancing resumes, there is Canada, the wallflower still, while those she once helped glamorously cavort across the floor, blithely neglecting her yet again.

That is the price Canada pays for sharing the North American continent with the United States , and for being a selfless friend of Britain in two global conflicts.

For much of the 20th century, Canada was torn in two different directions: It seemed to be a part of the old world, yet had an address in the new one, and that divided identity ensured that it never fully got the gratitude it deserved. Yet it's purely voluntary contribution to the cause of freedom in two world wars was perhaps the greatest of any democracy. Almost 10% of Canada 's entire population of seven million people served in the armed forces during the First World War, and nearly 60,000 died. The great Allied victories of 1918 were spearheaded by Canadian troops, perhaps the most capable soldiers in the entire British order of battle.

Canada was repaid for its enormous sacrifice by downright neglect, it's unique contribution to victory being absorbed into the popular memory as somehow or other the work of the 'British.'

The Second World War provided a re-run. The Canadian navy began the war with a half dozen vessels, and ended up policing nearly half of the Atlantic against U-boat attack. More than 120 Canadian warships participated in the Normandy landings, during which 15,000 Canadian soldiers went ashore on D-Day alone.

Canada finished the war with the third-largest navy and the fourth largest air force in the world. The world thanked Canada with the same sublime indifference as it had the previous time.

Canadian participation in the war was acknowledged in film only if it was necessary to give an American actor a part in a campaign in which the United States had clearly not participated - a touching scrupulousness which, of course, Hollywood has since abandoned, as it has any notion of a separate Canadian identity.

So it is a general rule that actors and filmmakers arriving in Hollywood keep their nationality - unless, that is, they are Canadian. Thus Mary Pickford, Walter Huston, Donald Sutherland, Michael J. Fox, William Shatner, Norman Jewison, David Cronenberg, Alex Trebek, Art Linkletter, Mike Weir and Dan Aykroyd have in the popular perception become American, and Christopher Plummer, British.

It is as if, in the very act of becoming famous, a Canadian ceases to be Canadian, unless she is Margaret Atwood, who is as unshakeably Canadian as a moose, or Celine Dion, for whom Canada has proved quite unable to find any takers.

Moreover, Canada is every bit as querulously alert to the achievements of its sons and daughters as the rest of the world is completely unaware of them. The Canadians proudly say of themselves - and are unheard by anyone else - that 1% of the world's population has provided 10% of the world's peacekeeping forces.

Canadian soldiers in the past half century have been the greatest peacekeepers on Earth - in 39 missions on UN mandates, and six on non-UN peacekeeping duties, from Vietnam to East Timor, from Sinai to Bosnia.Yet the only foreign engagement that has entered the popular non-Canadian imagination was the sorry affair in Somalia , in which out-of-control paratroopers murdered two Somali infiltrators. Their regiment was then disbanded in disgrace - a uniquely Canadian act of self-abasement for which, naturally, the Canadians received no international credit. So who today in the United States knows about the stoic and selfless friendship its northern neighbor has given it in Afghanistan ?Rather like Cyrano de Bergerac, Canada repeatedly does honourable things for honourable motives, but instead of being thanked for it, it remains something of a figure of fun. It is the Canadian way, for which Canadians should be proud, yet such honour comes at a high cost. This past year (2013) more grieving Canadian families knew that cost all too tragically well.

Lest we forget.

Please pass this on to any of your friends or relatives who served in the Canadian Forces or anyone who is proud to be Canadian; it is a wonderful tribute to those who choose to serve their country and the world in our quiet Canadian way.

Don't get scammed by a bank!!!

Something that really bothers me is how people continually go to their supposed favourite bank to get their mortgage. It is a wonder to me how people believe that an employee at a bank is looking out for a client’s best interest. These people are trained to sell one product to anyone who will buy it regardless if it is in the best interest of the client.

Click on the link which will bring you to an article about a mortgage life insurance denial. Someone faithfully pays into a program believing they are covered. When tragedy strikes the banks comes down on you harder than you could ever imagine. They will screw you as hard as they possibly can. The polite person you were dealing with at the bank, really feels bad and they don’t even understand how you can be treated so wrongly. They did not understand what they were selling in the first place.

One thing is for sure. If you are ever in the market to get a mortgage and the person you are getting it from is trying to sell you mortgage life insurance, whether it is from a bank or a mortgage broker… Run, and run fast from them. Mortgage life insurance is a very bad product. You should always purchase insurance from a reputable INSURANCE broker, not a jack of all trades trying to cash in on you. I know some good ones if you need a referral.

Private insurers won't follow CMHC's lead

That was a close one.

Canada Guaranty and Genworth have announced that they will not be follwing in the footsteps of CMHC and will still allow stated self-employment and 2nd homes. Phew! Genworth Canada and Canada Guaranty have decided not to follow in CMHC’s footsteps and change their programs for self-employed buyers. But is this only a temporary move?

New changes to self-employed Canadians will come into effect on May 30th. If you plan on purchasing a home or refinancing, May 30th is the deadline to submit your application.

What does this really mean?

Well, self-employed Canadians are put into two categories. The 1st category, are the people who can prove their income. Basically this is done by showing a business license or corporation papers along with NOA's and/or commission statements. People in this category are treated the same as people who have a regular job. Nothing has changed for them.

The 2nd category, are people who cannot qualify based on provable income. CMHC would look for a high credit score and your total income for the business and come to reasonable terms. An example would play out like this... If your total business income was 100k and your NOA's are showing a net income of 30k, it would not be unreasonable for you to claim an income of 60k. This is called stated income for mortgage qualifying purposes. This will end on May 30th with CMHC.

Also ending is purchasing a 2nd home that is insured if you already own a CMHC insured home. Basically you can no longer buy a home for a family member or a cottage if your current home is insured with CMHC unless you use a down payment of at least 20% of the purchase price.

Now the good news... There are two other insurers, Canada Guaranty and Genworth. They have yet to announce the same changes. Usually in time they do follow but for now, stated income and 2nd homes are still available.

I will keep everyone posted on any changes. Feel free to get in touch with me if you have any questions or concerns.

Ron Miller, Butler Mortgage

Technology is crazy now. Anyone can make an app for mobiles.

New studies find home prices rising as buyer confidence slips

Home prices going strong in Hamilton. Prices expected to rise 7% in the next year. Local market expected to stay strong through the year.

Just recieved my new Air Miles card.

Europe is only 4,420 Air Miles away!

From teller to CEO: How Gail Kelly conquered Australia's banks Is Gail Kelly the most powerful woman in Australian business?

Hamilton March Weather 2014 - AccuWeather Forecast for Ontario Canada

It looks like this is going to be our last cold night, at least by recent standards. Here is to hoping!!! Get Hamilton, Canada typical March Weather including average and record temperatures from

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Terms are just as important as rate if not more. Be careful and understand what you are signing. Thanks for the comment Bobbie Miles, Keller Williams Edge Realty, Brokerage

Finance Minister Jim Flaherty resigns from cabinet Finance Minister Jim Flaherty resigned from cabinet on Tuesday.

Hamilton Mortgage Broker: Mortgage Penalties

Something to seriously keep in mind while mortgage shopping. Rate is important but if you look at Lender A, is having a good rate going to benefit you if you break your mortgage and rates go up? NO!! It will make matters worse as the gap between posted and your discounted rate is bigger. It should be illegal. The bank is double dipping by charging you a m...

Hamilton Mortgage Broker: Best Mortgage Rates The purpose of this post is to bring awareness about how dangerous some of the low interest rate mortgages being advertised are.

Hamilton Mortgage Broker: Fixed or Variable? How About a 4 Year Fixed?!

Currently the best mortgage product.

Hamilton Mortgage Broker: Renewing your Mortgage Early, Cap It!!!

Switching from variable to fixed, plan on getting pregnant with a mortgage? A simple tip to save into the future.

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Hamilton Mortgage Broker: Hammertown Hamilton is on the move. #1 city in Ontario, gotta like that!!!

Hamilton Mortgage Broker: May 2011

What is a collateral mortgage?

Anyone considering this type of mortgage should visit with an experienced mortgage broker and/or a good real estate lawyer first. Seriously!!!..

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Be smart, know where you stand.

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Rent To Own, be careful!!!

Hamilton Mortgage Broker

Mortgage Insurance vs. Life Insurance! This blog is set up to provide information regarding Canadian mortgages to you the consumer. As well to educate Realtors so they can provide answers to their clients. Feel free to comment and/or request a post on a specific issue. Ron Miller, Phone 905.667.0699, Toll Free 1.855.684.8326, 4-318 D

[04/07/11]   If you use Twitter search with my email [email protected] and follow for mortgage updates and news. @hamiltonbroker

Hamilton Broker

Just started Hamilton Broker blog this week check it out and let me know if it is helpfull.

[04/07/11]   Encouraging anyone with a business to start the Social Networking thing.

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318 Dundurn Street South, Unit 4
Hamilton, ON
L8P 4L6

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
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