How I bought a house in Canada within 10 months

[@gbengaomoyeni4]

Thank you Mimie. It has never crossed my mind to leave Nigeria because I believe I can achieve anything here as a Software Developer. However, your videos have sparked my interest and made me to have a rethink. Also, the situation of Nigeria in terms of our devalued and defeated currency has further boosted my Japa Syndrome. Welldone, please keep them coming. God bless!

[@preshdarlyn]

Most Nigeria avoid credit card particularly not knowing that it is key to a lot of openings. I applied for a credit card even as a student and I got a 1000 limit. The trick I use on using it is, once I shop on it, I pay it off within 2 days. Congratulations on your new home and thanks for sharing your story.

[@Thechochochopodcast]

It’s because we don’t have credit system back home…thank you for your kind message

[@FirstLady.]

Thank you for sharing ❤ U did an amazing job 🎉

[@olajidealli]

@preciousajunwa, you have done a great job paying your credit card every 2 days. But, that’s not the best way to use your credit card 😅. Pay your credit card before the due date after the statement date. Also, don’t use more than 30-35% of your credit card limit as this affects your credit score. The limit usage (30-35%) only affects your credit score but not your credit history.

[@MavisJakarasi]

Congratulations dear

[@ayoola73]

Is it possible to buy a house in less than 6 months, especially if you have the down payment . I appreciate your sincerity and openness. Congratulations

[@uchennamoneke2799]

Bless you..questions even those who have stayed 10 years in Canada cannot answer, you did in this video..infact I am subscribing to your page. Bless you.

[@Thechochochopodcast]

Thank youuuuuuuuuu😘😘😘😘😘❤️❤️❤️❤️

[@ItsNearMellowL]

I sincerely appreciate you taking the time to outline how you've achieved this! I remember asking you about it😅 God continue to bless you ma🙏🏾❤️

[@Linadlox30]

You are blessed already my dear for owning your own home.its the best decision ever.renting abroad makes me i cant save properly not that am living too large.God help me o.Am thinking of immigrating to Canada honestly but people make on social media are talking like its a terrible place with poverty and suffering.but lets see

[@chukwudikingsley8767]

Speaking from the way you talk and analyze things You are so smart.

[@UnscriptedD09]

My husband is very strick about those points when it comes to credit scores and he actually helped me to build mine but 😢now I old phone bills started popping out from old phones I got couple years and my credit score dropped but it’s ok will pull up my socks thank you for sharing very helpful

[@Thechochochopodcast]

Mine as well lol. With consistency I’m sure you will get your score back up.

[@UnscriptedD09]

@@Thechochochopodcast thank you

[@Jasmines-26]

Watching your video is so therapeutic 😊, thanks for sharing 😊

[@LYDIAANDFAMILY]

Well explained, is the same process I and my husband used to get our house in February

[@Thechochochopodcast]

Wow👏🏽👏🏽👏🏽congratulations and stay winning ❤️

[@priscillaomene7158]

Very true...use the credit card but ensure payment on time...preferably before due date...it builds your credit score.

[@Thechochochopodcast]

Well said💪🏽

[@sophmartins8011]

Thanks for breaking this down, I learnt alot can't wait for mine

[@Thechochochopodcast]

Thank you…yours is next by God’s grace🙏🏽

[@themortgagechics_chronicles_ca]

This is awesome! A lot of practical tips. Congratulations ! I must say you are one the few new Nigerian immigrants that listen. Congratulations once again. I help my clients do this - buy a property in your first year! Yes it is possible as you all can see! Congrats again!

[@Thechochochopodcast]

Thank you very much…oh yes very possible in the first year.😊

[@TosTosTV1]

Congratulations on getting your new home! 🎉🎉 You have done well to let people know the reality(in the sense that what worked for A might not work for B) and that singular point you didn't miss out, where the down payment wasn't actually earned here, kudos to you cos I feel with the way some people use the internet as a guide to what they do with their lives, it's good you stated that, so some don't start putting unnecessary pressure on themselves.

[@Thechochochopodcast]

Thank you so much❤️❤️❤️❤️🎉

[@beatriceannaful8742]

Kk thank you

[@themortgagechics_chronicles_ca]

So very well said. I have lived in Canada for over a decade, and I cant help but watch in amazement the unnecessary competitive spirit of Nigerians migrating to Canada in the last 5 or so years. Buying a property is a basic human need - i.e shelter over your head. And as Mimi alluded to, a lot of Nigerians that buy within a year come into Canada with their down payment in hand.

[@No-Slacking]

​@@themortgagechics_chronicles_ca I really want to come to Canada but don't know how.

[@Okwism.O3GroupofCorp.Inc.]

Enjoying the happy mood! Started following you since the time you were in Dubai! Congratulations!

[@Thechochochopodcast]

Thank you so much for your support, it means a lot to me.🙏🏽

[@ijizu3451]

My celebrity Padi. Onye Ji cash!💃🏿💃🏿💃🏿 Congratulations🎉🎉🎉

[@Thechochochopodcast]

Onye nkem🥰

[@joykate8754]

I just love your videos They are so detailed and informative. I just started following you and I am glad I did

[@tobishobayo-onyeanu7860]

Thank you for always keeping it real. This video is inspiring, I look forward to your next gist🥰

[@UnscriptedD09]

Congratulations 🍾 on🎉I love the transparency and your sharing is very inspiring and uplifting

[@Thechochochopodcast]

Thank you I appreciate your feedback ❤️

[@UnscriptedD09]

@@Thechochochopodcast you’re welcome

[@Ann-hm7gj]

Cibc wasn't that great I prefer td bank but if cibc works for them great. We used cibc for many years, for 10 years but td bank was just an overall better deal. It actually use to be td ( Toronto Dominion) but they combined with canada trust (they use to be a brown bank) but when they combined they were just the best banking system. I mean the best. I love bank of Montreal too! I trusted that bank for everything! Putting documents together for home ownership in Canada, I'd say it was a good experience. The builders are amazing! It was a fun process picking houses from the original plan and working with the builders to mix and match what you want in your home. W were kinda broke so our house came with standard features but later down the road we did our own renovations. Congrat on the home!

[@emyessien1339]

Congratulations Mimi🎉🎉🎉 thank you for the step by step explanations on how to acquire a home in the abroad. I wrote down every detail of it as i newly moved to the US, im sure this will help me here too. God bless you mama🎉

[@Anna-zb2dv]

Nice, you explained it so well! Thanks for sharing, I just saw your channel and I had to subscribe, you’re amazing❤

[@promboyvette9086]

Wow Congratulations, I tap in to ur blessings Mimi ❤

[@Thechochochopodcast]

Amen…it will happen soon for you🙏🏽

[@freshseasoncouture8276]

I am a new subscriber. Thank you for all your detailed videos. And Congratulations on your house and baby.

[@adedoyinadediran6903]

Thanks Mimi. Just wanted to have an idea of cost of houses in Calgary. Your house is quite lovely.

[@Thechochochopodcast]

Depends on the area and size of house but you will easily find a nice brand new home from $650k and above in a new area.

[@xxcessjoy]

New subscriber alert🥂loving your videos already... Thanks for letting this out and congratulations on your new home

[@Thechochochopodcast]

Yayyyyyyy💃🏾💃🏾💃🏾💃🏾💃🏾thank you so much

[@enjay4381]

You see ehn,I love very pragmatic and real people because thats exactly who I am. Just stumbled on your channel and watched about 3 of yoyr contents and I must say I am blown away. I just subscrived to your channel.

[@Thechochochopodcast]

Welcome aboard! Thank you so much for subscribing 💃🏾💃🏾💃🏾❤️❤️❤️❤️❤️

[@infopreneurworldview1733]

Awesome! A big congratulations to you and your family!! More of God's unceasing, unflinching, undying, unending and amazing goodness IJN 💕💕💕💕

[@Thechochochopodcast]

I say a big Amen…thank you very much

[@silviaokoye8472]

Congratulations to you and your hubby, i must say that you are a good teacher and i have learnt a lot from your video and i just subscribed.

[@Thechochochopodcast]

Thank you so much for subscribing

[@YinkaOlutoyin]

Thanks for your down to earth openness and congratulations. What pathway did you use to get to Canada please - study, work, PR ........

[@Thechochochopodcast]

It was PR for us.

[@maryann_fegor]

I stumbled on your video today and I have been totally hooked. I love the simplicity and realistic video. Thank you so much for these impactful videos . Please why did you multiply the income (200k) by 4? Is 4 the intrest rate on the mortgage or number of people in the household?

[@Thechochochopodcast]

They multiply it to know how much mortgage loan you will qualify for…it is multiplied by family income (husband and wife) if you’re buying together or an individual income if you’re single or buying alone.

[@muimui4644]

Major congrats to you and your family. I landed here because I am moving to Alberta in next few months and this is manifestation.

[@Thechochochopodcast]

Amen 🙏🏽 you will testify🙏🏽

[@terryoretayo2627]

I must commend your efforts in dishing out valuable information. You are blessed dear, congratulations!

[@Thechochochopodcast]

Wow, thank you!

[@AnnitaGabriel-ru2be]

You gained a subscriber to day, Thank you so much, I'm actually new in canada

[@oluwagbengaolanrewaju2506]

Thank you for sharing this beautiful testimony.. Feel so good to be one of your subscriber today...

[@Thechochochopodcast]

Thank you so much for subscribing…it’s means a lot to me🙏🏽💃🏾🎉🎉🎉🎉

[@aliceehoche5609]

this is amazing, congratulation to you and the family.

[@Thechochochopodcast]

Thank you so much!

[@chikanwankwo2775]

So honest and well detailed,thanks so much for this masterpiece 🎉

[@mabialaemile8541]

When a house is 1M and plus… 20% is mandatory, you can’t get a mortgage with 5% and 10% (after 500k) like you mentioned. 1M + in canada has some insurance that isn’t covered or something 1) CMHC mortgage insurance is not available for homes priced over $1 million. ( maximum mortgage will be at 800k ) …. 2) you will not be able to benefit from the first time home buyer incentive.( at least in Toronto Vancouver and Victoria) But yeah congratulations on your house and I’m happy for you Also when you give 5% you will have to buy an additional insurance (if I remember correctly) the premium will be included in your mortgage… Also private lenders are good when you flip a house

[@Thechochochopodcast]

Lol who said my house is 1M hahahahaha how do I afford that🤣. My home is far below 1million and yes I pay CMHC mortgage insurance and this is Alberta so I get the first time home buyer incentive. Also we don’t pay land transfer fees in Alberta and to your last point, I have life insurance premium that covers both home, car, etc. Thanks for the congratulatory message 🙏🏽❤️

[@mabialaemile8541]

@@Thechochochopodcast no no I'm sorry, maybe I wrote my text wrong, I meant in general. What you said is right... but you mentioned about 1million somewhere in the video So my message was more for the people trying to buy a 1M home 😅😅 so that they do not think 5% will be enough

[@mabialaemile8541]

At 8:06 you said > it was for this Again I'm sorry wasn't trying to sound negative

[@maureenmomo4460]

Congratulations to you Mimie and family 🎉 very beautiful house. So nice to see you soo happy. More blessings to you 🙏

[@Thechochochopodcast]

Thank you so much… your name reminds me of my best friend ❤️

[@maureenmomo4460]

Aww sweet☺️

[@emilysharon9490]

Congratulations on your new home 🤩

[@reginaquainoo8945]

Can’t wait to buy my home, God bless you

[@GoshenCare-l2m]

Congratulations MIMI . God bless you and your family. Please I need help, I just came to Canada, I'm 5months pregnant with a visitor's visa,

[@joelkipkorir5786]

Mimi, you are a real natural woman, good video

[@Thechochochopodcast]

Thank you for your kind words

[@lovelearningayus1213]

Congrats MiMi i love your down to earth way and realistic video

[@Thechochochopodcast]

Thanks for your kind comment, this means a lot🙏🏽

[@olaoluwaisaac1633]

This video is Inspiring. congratulations on your new home🎉

[@Thechochochopodcast]

Thank you so much…🙏🏽🎉

[@hautewinnie]

This video is inspiring and educating. Keep it up 😊

[@Thechochochopodcast]

My super star waka pass KZbinr🤣

[@gideonayodele2914]

You are appreciated, what fascinating me most abt you is that you don’t have any write up and saying something to sweettalk your viewers, at all. You are disseminating them naturally and its makes your video interestingly superb and unique. All your informations are authentic and verifiable.. i also like how you are using we rather than i as good and humble and supportive wife. Keep it up. I always applied for jobs in Canada, but feedback is unfavorable. What steps or advise can you give me to intensify my application. Thanks and God bless you and ur family..

[@Thechochochopodcast]

Thank you for your kind words. It is hard to get job outside of Canada unless you are looking for jobs in high demand such as Truck driving. The goal for Canada is to first hire within before employing a talent from outside. There is really no step or advice other than just continue to apply.

[@sapphireglow7250]

i love your honesty in this video, i decided to subscribe to you! congrats too!

[@Thechochochopodcast]

Thank you so much for subscribing I appreciate it❤️🙏🏽

[@debbi6797]

This was so helpful - thank you!

[@oyenbot]

thank you so much for this, it has been helpful however i must say you look so gorgious would be nice to vlog for us what you use for the glow and or what body products are good for the different seasons

[@Thechochochopodcast]

Thank you very much. You’re the second person that asked. I just feel my routine is so basic no one will care😁. I will consider Vlogging about it🙏🏽

[@dailywordprayers]

You explained it very well for a layman to understand. Did you pay for closing costs? Except for the lawyer fees.

[@patrickchukwuedo4650]

I am a new subscriber, thanks for the information, it is well detailed, Blessings...

[@moig5172]

Hello Mimi, I love your videos. They are really educative. Can you elaborate on the questions asked at the bank please. Thank you

[@velikafashion]

Congratulations on getting your new home ❤

[@Thechochochopodcast]

Thank you😘

[@knyabb7118]

Congratulations 🎉 Thank you so much for sharing!

[@kardiiobi321]

Thank you for this very detailed information god bless you my questions is please where can I find house new build or how did you make research to get new build houses

[@Thechochochopodcast]

You can contact the popular builders in Calgary and visit their show room to see what they have .. check Shane homes, Morrison homes, Excel homes etc

[@chikanwankwo2775]

Please we are waiting for the project management video,thinking of switching too

[@Queeneth_Bassey_Ekpenyong]

Congrats honey, please keep the videos coming ❤

[@Thechochochopodcast]

Thank you Queeneth ❤️

[@olukayodehenry9464]

And this is so on point. Thanks for shedding a bright light into it. 🙏🏽🙏🏽

[@adenikebolaji717]

❤❤ congratulations , thanks for sharing and being so detailed ❤

[@j.nuadey7671]

Detailed explanation. God bless you

[@jaybabu2112]

Great video. THank you. Can you buy a house on an open work permit or student visa?

[@OrowoleAkinwande]

This is great! Good testimony indeed. But can this be possible for a school that is just coming in newly?

[@adelekelawal1]

Congratulations my people. 🎉🎉🎉

[@Thechochochopodcast]

Thank you so much big bro😘

[@adelekelawal1]

@@Thechochochopodcast ❤️❤️❤️

[@funmilayocatherine353]

Congratulations and Well-done

[@Thechochochopodcast]

Thank you ma’am 🎊

[@lolao4291]

Congratulations! Thanks for this! Please did you use a realtor or how did you search for houses?

[@Thechochochopodcast]

I didn’t use a realtor found the house in a neighborhood I like and then contacted the person that listed it. The contact was in the for sale sign. I also have to say that a friend of ours saw the house first and then asked us to come check it out.

[@BelovedTemi]

Your hair is gorgeous ❤

[@buildasnest481]

Thank you so much for this succinct information.

[@PRINCESS.OLIVER]

Great insight thanks for sharing dear

[@Thechochochopodcast]

My lover…thank you

[@IfePinkiesTV]

Wow congratulations 🍾🎊 you really broke it down ❤❤❤

[@Thechochochopodcast]

Thank youuuuuuuu🥰😘

[@daniellajacobs4870]

Congratulations ma’am 🎉

[@Thechochochopodcast]

Thank you so much

[@ednaenadeghe8744]

Nice one, congratulations. Which area is best to by a house in calgary.

[@omolaraadebowale1764]

Congratulations 🎉

[@Thechochochopodcast]

Thank you ❤️❤️

[@koko_chime]

Congratulations and thanks for the infos

[@Thechochochopodcast]

Thank you

[@stelia-ladye7090]

Congratulations my dear

[@Eliteeduguide]

Congratulations sis

[@Thechochochopodcast]

Thank you very much❤️

[@Nancy_Reign]

Congratulations to you and your family

[@BrainseedBillionaire]

I love your video and i will join you soon in canada

[@chikawilliams2631]

Congratulations dear

[@Thechochochopodcast]

Thank you

[@codingmom8409]

Congratulations 🎉🎉🎉

[@Thechochochopodcast]

Thanks 🍾🍾🎊

[@zionkid9186]

Thank you very much for your detailed explanation.

[@abayomiadisa6201]

Nice contents. You really broke down the process. Congratulations to you both!

[@Thechochochopodcast]

Thank you so much🙏🏽

[@nuelaanye1919]

Wow you were detailed sis thanks so much for the update 🥂🥰

[@Thechochochopodcast]

❤️❤️❤️❤️

[@edelqueenc.foundation]

Woww congratulations 🎊🎈 dearly, ur last video I watched was when u planned to return home Naija. Bcos UAE 🇦🇪 wasn’t giving you what u needed. But u finally got job after Buchen ur flight ✈️ ticket to return home. Today u re in Canada 🇨🇦 nd a Landlady on top 🔝 Woww God is Good nd awesome am happy with you dear. Please how did you do d Canada process, am asking for my brother. Congratulations once again nd remain blessed with your lovely family 👍🏽🥳

[@Thechochochopodcast]

Awwwww thank you so much..you’re absolutely right I almost returned back home🤣. I can go canada through the permanent resident route ( express entry) have document my process in my channel, you can watch the videos about how I applied and document needed. If you have specific questions after that then pls let me know. Thanks again

[@edelqueenc.foundation]

@@Thechochochopodcast ok dearly, going to watch it straight away 💃🏼🤩more blessings on d way 🙏🏽👍🏽

[@Pwettibabyface]

Congratulations sis 😘

[@folasadelydiaoladipo3850]

Congratulations ma.

[@Thechochochopodcast]

Thank youuuu❤️

[@abisolaade6545]

Congratulations to you and family 🎉🎉

[@Thechochochopodcast]

Thank you sis❤️

[@Ose901]

I tried really hard to see past your skin😫😫 Thanks for the tips Mama😘😘😘 they’ll come in handy very soon insha Allah😀

[@Thechochochopodcast]

😁😁😁😁

[@zena7929]

Thank you so much for being transparent and straightforward. So what if you quit your job n get one few months later will it change anything? Do the banks only care about the mortgage payments?

[@Thechochochopodcast]

It does not matter if you quit your job after your mortgage

[@oib4463]

Any consequences for defaulting on the mortgage payment?

[@funmilayoolukanni3338]

Hi Mimi, I love your contents. Is the household income gross or net?

[@SalvationEra42]

I just Subscribed to your KZbin channel now, I am learning much from your channel.

[@Thechochochopodcast]

Welcome aboard! Thank you for subbing💃🏿

[@rastamanliveup3706]

A rate of 4.74% is great for this environment.

[@TinaIsoa]

This is so detailed ❤ I will share it out

[@Thechochochopodcast]

Thank you very much for sharing 😘

[@julietchi5480]

Congratulations to you dear

[@hometeamrecords3798]

That was the Tricky thing since a 000 vids I saw till I found this, telling myself - Oh I'm sure that she/they came with some CASH from Dubai or so, u couldn't just fall in Calgary without anything from any previous earnings. Congrats!

[@niltonbutron1389]

Hello Mimi, great info, please could you tell if you need to be a permanent residence for get the aproval ?

[@joyadams6371]

Woow congrats Mimi. I contacted you on Facebook when you were in UAE but no response

[@Thechochochopodcast]

I barely use my Facebook anymore..having some issues there can you Dm on IG @mimi_ojieh?

[@joyadams6371]

@@Thechochochopodcast thanks..... I will do so soon

[@miazormultimedia]

Thanks a lot for the invaluable info.

[@Thechochochopodcast]

Glad it was helpful!

[@freshseasoncouture8276]

Hiw did you determine the neighborhood you wanted to buy the new house.

[@marthachinwekene6886]

Mimi Thank you for your videos , can your spouse outside Canada help pay for the mortgage payment?

[@Thechochochopodcast]

As long as one person has a legal stay in Canada it’s okay. The bank is not going to look at it as your spouse paid, it’s your family income. Unless the house is not in both of your name then I don’t know how that works. Also, the money must be deducted from a Canadian bank account.

[@pedrojosephine8885]

Ma please can you explain what the car cash is I will be anticipating, tnx

[@Thechochochopodcast]

I’m sorry I don’t understand the question.

[@umolunicholas1186]

@@Thechochochopodcast i think she meant the first inexpensive car you bought which you mentioned at the beginning of the video

[@Thechochochopodcast]

@@umolunicholas1186 oh! Got that for 6k CAD but the cost of cars now have gone way up