In today’s Canadian housing market, the dream of homeownership remains alive—but for a growing number of first-time buyers, that dream is only possible with a family safety net. According to the 2025 CMHC Mortgage Consumer Survey, more Canadians are entering the market for the first time, but they’re not doing it alone. From gifted down payments…
Want to Build Real Wealth? Stop Guessing and Follow This Blueprint Most investors try to build wealth without a real plan. They chase hot stocks, jump in and out of markets, and hope for the best. That’s how you stay broke. The wealthiest investors don’t guess—they follow a system. This guide breaks down the five essential financial…
BRRRR isn’t driven by emotion—it’s powered by math. From acquisition to refinance, your success hinges on a few essential formulas. Mastering these numbers helps you evaluate deals confidently, avoid overpaying, and stay on track to hit your returns. Let’s break down the BRRRR math that separates good investors from lucky ones. 1. The 70% Rule (Buy…
The BRRRR method—Buy, Rehab, Rent, Refinance, Repeat—is one of the most powerful strategies for building a real estate portfolio without constantly injecting new capital. But it’s not foolproof. For first-time investors, a few wrong moves can derail the entire cycle—leading to missed refinance windows, disappointing returns, or deals that flat-out don’t work. Here are seven…
When shopping for mortgages, you’re likely to come across terms like insured, insurable, and uninsured mortgages. These classifications impact the type of property you can purchase, how much you need for a down payment, and the interest rates available to you. Let’s break down what these terms mean, their requirements, and examples to clarify how…
Understand your housing options, choose your priorities and select your homebuying professionals. Think long term when buying a home. What kind of home do you need now? What will you need in 5 to 10 years? Consider: COMMON TYPES OF HOMEOWNERSHIP Options vary slightly between provinces, but you can choose between the following ownership types in Canada:…
How to calculate how much you’re spending now, what you can afford and your future expenses. Are you financially ready to own a home? Look into these 5 calculations and questions before you meet with your broker or lender. QUALIFYING FOR A MORTGAGE There are 2 affordability rules that determine how much you can spend on housing without…
Alternative payment arrangements when facing financial difficulties. Unforeseen financial circumstances happen. Sometimes, they affect your ability to make regular mortgage payments. The good thing is that you have options. It’s important for you to take quick action quickly. If you can’t pay your mortgage, you need to get in touch with your mortgage professional at…
Use these tips and resources to ensure you get the most out of life – and home – as you age in place. Housing options for seniors Canada has a variety of housing options to fit different needs and budgets. Canada has many housing options available for seniors that suit a wide range of budgets,…
Use our tools and resources to ensure you’re getting the most out of home ownership. Tips and resources to help you manage your mortgage like a pro The following considerations can help you to save money when financing a home. They can provide for greater economic stability in the event of financial challenges down the…