In the past year nearly half of Canadians dealt with a major unexpected event or emergency that required them to borrow money or dip into their savings to cover the unplanned costs.  A CIBC poll suggested that 74% of those people did not have enough dedicated emergency savings and were forced to find other sources […]

Hello folks, here is another example of why today’s mortgage consumer needs to hold their banking professionals accountable.  The big five banks are notorious for sending out their renewal letters with intimidating language and outlandish “standard” rates.  Please take the time to contact a mortgage professional to discover what is in your best interest because […]

Want to get a new mortgage or even your first mortgage?  Then, your credit score is a really big deal- it can make or break your mortgage payments, and ultimately determine whether you get the house you want.  But before we talk about credit scores, let’s talk about the debt that affects them. There are […]

It may seem obvious with today’s low interest rates, high rents and a strong housing market; if you’ve got the money, buy now. But how do you know when you are truly ready to take the plunge?   Read the article below for more information;   BUYING YOUR FIRST HOME!

Everyone these days has an opinion on the “pending” real estate crash in Canada and what is going to happen when interest rates rise to historically normal levels.  The bank of Canada has stated recently that they are researching a “neutral interest rate” which could mean that lower than average interest rates are here to […]

The most formidable task for a first time home buyer is coming up with a down payment.  If you are not one of the lucky few who have parents to lean on, saving for a down payment in today’s real estate market can be a daunting task.   Here is a fantastic article with some […]

A recent study concluded that 40% of marriages in Canada end in divorce.  Marriage is not something to be entered into lightly and if you are comtemplating divorce, make sure you understand the financial consequences.  The decision to end a marriage is a very emotional one and often reason and finance do not play a […]

If you are considering putting your home on the market, complete the little projects first.  It could save you a whole lot of time worry and money.  Here is a link to an article published by Forbes on the value of getting those little repairs out of the way in order to have a smoother […]

Title Insurance has only recently become popular in Canada but with the advent of the internet and growing instances of mortgage fraud it is becoming increasingly important to not only those purchasing a property but also those who are mortgage free.  Please read the following article; Title Insurance!