If you’re looking to buy a home, consider taking advantage of your mortgage by repositioning some of your existing debts that you currently have.

Having a plan and future goals are so important when it comes to refinancing your mortgage. Managing your way through the mortgage process without...

We all hope for the lowest mortgage rate possible when securing a mortgage. Shopping for a rate isn’t as cut and dry as it used to be, and it...

The purchase of an investment property is a great way to make extra income. There are some people who focus solely on investment properties to fuel...

Recent statistics show that a large majority of people hold the belief that you're somehow obligated to renew with your current mortgage provider...

Is your home ready for the upcoming Canadian winter? Maintaining your home is an important factor to protect one of your largest investments.

A mortgage may be one of the largest purchases you make in your lifetime so let’s make that decision with planning, knowledge and experience.

Lenders look at how you manage your current debt, but they do not view all debts equally. Not including mortgages, the average Canadian...

There are many misconceptions when it comes to the knowledge surrounding mortgage renewal and mortgage refinance. A renewal is when the lender...

Relocating from one residence to another is a hectic part of any house owner's life. Regrettably, the expense of breaking your mortgage contract...

Purchasing a property can be much easier than you might think. If buying a property is something that really doesn’t appeal to you, here are some...

Whether you're a financially responsible person or living paycheque to paycheque, there is always room for positive changes. It's good to keep...

Listing to sell your home is a big decision, and there could be many reasons why you may need to take this step. One important question you...

When we think variable vs fixed mortgage rates, we assume it’s an ongoing debate but here are several reasons why a variable rate mortgage may be...

There is increased pressure on fixed mortgage rates as bond yields continue to rise. Since the US Federal Reserve announced in December 2021 that...

A no frills mortgage is referring to when non-essential features are removed to keep the cost of borrowing as low as possible. While it will keep...

When you choose a mortgage that allows you to borrow and re-borrow against your home, we call this a HELOC mortgage (Home Equity Line of Credit).

There is a lot to consider when purchasing a rental property and it's important to have a strategic, well thought out plan in place to make this a...

When you’re considering purchasing a property know that the source of your down payment is a very important part of how the lender views your...

Did you know there's a program that allows you to utilize your RRSP to assist with your down payment to purchase a home? It's called the...

If your family is growing and your home isn't seeming suitable anymore, it may be time to find something that’s going to work better for your needs.

When considering making extra payments on your mortgage, here are some things to know. The biggest factor to consider is the amortization period or...

As you browse the mortgage market, you might quickly find out that mortgages can vary based upon your credit report, income history, down payment...

People are often motivated to make positive improvements that will upgrade their home, but they don’t have the cash available to pay for it upfront.

If you're considering co-signing on a mortgage here are some things to think about. Though it's a nice to help someone who cannot qualify on there...

Usually, if you’re applying for a mortgage, you feel confident in your current state of employment. Your employment status usually means more to...

Everyone is following the fact that interest rates are at an all time low. Logic does point to the fact that they should remain low for quite a while.

There are two different ways a mortgage can be registered. This is either with a standard charge mortgage or a collateral charge mortgage.

Buying a second home comes with a unique set of guidelines for your down payment and insurance requirements. If you want to acquire a rental income...

There a few things you need to plan for when saving for a down payment. Some of these include; clear income insight, clarity, precise expense...

Although it's best to have your mortgage repaid by the time you retire, that isn't possible for everyone in today's economy. The cost of living is...

Have you been thinking about buying a property, your first home, your forever home, or maybe a retirement home, and the current state of the...

Your overall goal when choosing a mortgage should always be to pay the least amount of money to the lender as possible. Fixed rate mortgages may...

As you browse the mortgage market, you might quickly find out that mortgages can vary based upon your credit report, annual revenue, down payment...

As the name indicates, a cash back home mortgage is like a standard mortgage, other than that you get a sum of cash upon closing. This lump sum...

Being a seasonal employee means that you only work a part of the year; which can cause issues when your trying to qualify for a mortgage, or when...

If your family is growing, and you're in need of a space that's better suited to your family's size, then this article will answer several of your...

One of the most important things that lenders are going to look at when you place your application is your debt to service ratio.

You've most likely been told that there are 2 guarantees in life: death and taxes. When it comes to your mortgage, you will in fact pay back what...

If you're in the market to purchase a home, or you have a home mortgage that is up for renewal, and you're thinking about connecting with your...

If you happen to be going through a separation or divorce it is important to know about mortgage options that give you the ability to refinance you...

After a nice getaway you may think to yourself that it could be beneficial to purchase your own short term rental property, similar to the one you...

We have all heard people say things like “make your money work hard for you”. But how do you achieve that? Something that is often left out of...

You would naturally assume that an online calculator would be a straightforward way to calculate your approvability when it comes to a mortgage...

Reverse mortgages allow senior homeowners who are 55 years of age or more to borrow anywhere up to 55% of the equity in their home. When utilizing...

When deciding if you can afford to buy a residential property, don't just figure out a harsh down payment and carry on from there. 

When you are the owner of a prime piece of property in Canada, you can often find yourself receiving a wide variety of offers, along with real...

Sometimes building your own home outweighs the pros and cons of buying a pre-built home. We are here to help you turn your dream into reality.

Combining funds with your family or friends can provide you with multiple options when it comes to buying a home.  If this is something you are...

There are a lot of details to keep track of when purchasing a home. Property tax, mortgage terms, lawyer fees, home insurance, etc. With all these...

Listing to sell your home is a big decision, and there could be many reasons why you may need to take this step.

Purchasing a home is a huge milestone. And while some people may feel ready to take that leap, here are four signs that you are truly ready.

The term 'alternative lending' refers to any lending situations that are outside the traditional banking system. Alternative lenders think outside...

If you're new to the home mortgage process, it's very easy to get confused by some of the terms that are used. The objective of this short article...

If you’re like a large amount of Canadians chances are you don't have enough cash to buy a property outright. So, a mortgage is likely in your future.

Purchasing a home is one of the biggest financial steps you will make in your lifetime.  The mortgage decision process can be confusing and...

Buying a home will be one of the largest investments most Canadians make in their lifetimes. Therefore, it is so important to include a home...

This is a common question that many borrowers wonder about when purchasing a home, especially their first home. Many lenders, including most banks...

Your home will usually take care of your most basic of needs for shelter, but did you know that your property can be a wealth-building asset if you...

Securing a mortgage is an important part of a homebuyer’s journey when purchasing a home.  It’s a good idea to educate yourself when it comes to...

When it comes to buying and selling in Canada, there are a number of avenues that you can check out, such as classifieds, social media sites, or...

Once in a while life tosses you a financial curveball. It does not imply that you won't qualify for a mortgage but it can complicate things.

Let’s say that you are purchasing a new home, and all your mortgage conditions are met except your appraisal. If the appraisal comes in lower...

In 2018 it became a requirement for all Canadian buyers to undergo a Mortgage Stress Test and that also includes buyers who have 20% or more...