The beginning of a new year offers hope for a fresh start to many aspects of our lives, including our finances. Refinancing your mortgage and putting your home equity to…
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For many Canadians, buying a first home is an important milestone that requires careful planning and substantial savings for a down payment in order to achieve.
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Planning your mortgage renewal strategy early with your mortgage agent can prove very beneficial. A proactive approach ensures you’re fully prepared to secure the best possible terms and set yourself…
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If you’re self-employed, chances are, you’ve found that securing a mortgage can be more complex than it is for salaried individuals. Lenders often scrutinize your income more rigorously, which can…
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As the holidays approach, the excitement of gift-giving, family gatherings and overall festive cheer is often accompanied by the challenge of managing finances. Balancing holiday spending while keeping an eye…
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We’re welcoming news of many important mortgage changes coming into effect in the next few months.
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Homeowners who switch lenders when your mortgage term is up for renewal will no longer be subject to stress-test rules – which add a 2% rate surcharge when qualifying your…
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The federal government unveiled huge changes to Canada’s mortgage system September 16th, 2024 aimed at helping make homeownership more attainable for first-time homebuyers as well as Canadians purchasing newly-built homes.
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The Bank of Canada today held its target for the overnight rate at the effective lower bound of ¼ percent, with the Bank Rate at ½ percent and the deposit rate at…
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