News and Education

The Role of Commercial Mortgages in Business Growth

Commercial real estate is property that businesses use to generate income. Examples include hotels, office buildings, shopping centers, and retail malls. Financing these properties includes funding a number of processes, ...
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The Essentials of Home Equity Loans

If you’ve been paying your mortgage for several years now, you may find yourself receiving marketing materials about home equity loans available to you. Your home equity is the difference ...
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Maximizing Home Equity

For the vast majority of Canadians, their primary residence is the largest investment they will ever make. Most mortgage holders pay their loans over a 30-year term, which means multiple ...
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Navigating Condo Special Assessments

What are special assessments? When you buy a condo, you are often joining a cooperative or purchasing a property that is governed by a homeowner’s association (HOA). Occasionally, the board ...
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Luxury Home Mortgage Financing Alternatives: 3 Things to Know

If you are looking for a home valued over $2 million, you are in a market with skyrocketing demand. Home prices continue to stay on the rise, and high-end homes ...
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The Other Down Payment: Sweat Equity

What is a down payment? Most Canadians don’t have enough money to pay for a home with cash they have in the bank. Instead, they apply for a mortgage, and ...
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Mortgage Stress: Here It Goes Again?

On June 1, the enhanced mortgage “stress test” that had been suggested in April will go into effect for borrowers who have insured and uninsured mortgages. In most cases, any ...
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Oct 28th, 2020, Bank of Canada Rate Announcement

On the 28thof October 2020, the Bank of Canada announced that it maintained the overnight rate target at the lower bound of 0.25%, with the Bank rate at 0.5% with the ...
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Navigating the Pandemic: The Canadian Government’s Response

The Canadian economy has suffered over the past months as the nation has gone through an extended lockdown to fight the spread of the COVID-19 pandemic. However, these months of ...
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Canadian Mortgage Rates Sliding to Lowest Level since 2017

It is true that home prices are increasing in some parts of Canada to levels as high as or higher than they ever have been before. However, lenders are responding ...
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Caution – CRA’s Deemed Trust to Employers and Business

This article provides answers to some common questions about deemed trusts. You’ll want to consult your own tax professional or attorney to get specific answers to questions about your own ...
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The Basics on Child and Family Benefits

This article provides a basic overview of the Canada child benefit, working income tax benefit, the goods and services tax/harmonized sales tax (GST/HST) and programs that provinces and territories have ...
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New Rules for Residential Mortgage Lending

What You Need to Know about the New Rules The Office of the Superintendent of Financial Institutions (OSFI) has released the most recent changes coming to residential mortgage lending guidelines ...
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Equifax, the Big Breach

If you’re like most Canadians, you may be wondering how the Equifax customer information breach can affect you. After all, credit bureaus have access to much of our most sensitive ...
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Renovations on the rise in Ontario

The economy in Ontario is getting a growing boost from spending on home renovations. According to the Canada Mortgage and Housing Corporation’s latest report, the spending is coming both from ...
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A Drop in Wages without an Official Recession

Where’d My Salary Go? When the worldwide financial crisis showed up in Alberta, the economy shrunk by about six percent. When another downturn hit home in 2015, the economy contracted ...
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Foreign Home Buyer Tax Angers Realtors

The government in British Columbia has instituted a 15 percent tax on purchases of real estate by non-Canadian buyers – and the Real Estate Board of Greater Vancouver is not ...
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Can The Passage of Time Wipe Your Debt Away?

Is there a pile of debt that's been sitting on your credit history for a number of years now? You might be able to get out of this after all, ...
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Senior citizens aged 70+ have the most debt ever..

In years past it was almost unthinkable for people in their seventies to have significant mortgage debt. According to a recent Debit in Retirement Study that Equifax Canada and HomEquity ...
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Pros and Cons of the New 10% Down Payment

If you are considering buying a house in Canada in 2016, you may need to put down more than you thought you would. As of February 15, 2016, a new ...
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Mortgage Fraud Statistics in Canada and the USA

It's easy to get angry at the banks when it's hard to find a low-interest mortgage. After all, the vast majority of people who apply for mortgages have every intention ...
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Financial Hardship Unlocking (FHU)

(FHU) Financial Hardship Unlocking General Program Process and FAQ: 1. What exactly is the Financial Hardship Unlocking (FHU) Program? If you’re a locked-in account owner going through some financial difficulties, ...
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