Overcoming Barriers to Homeownership For many newcomers and first-time buyers, the barriers to homeownership can seem insurmountable: lack of credit history, limited savings for a down payment, and unfamiliarity with the real estate process. But with the right knowledge and resources, these challenges can be overcome. Programs like Rent-to-Own Options and Down Payment Assistance Programs are game-changers, especially for…
Most Canadians think a will is enough to protect their assets. Spoiler: It’s not. A will dictates who gets what when you die, but it doesn’t help minimize taxes, avoid probate, or keep your estate private. That’s where a living trust comes in. If you’re sitting on a real estate portfolio, investments, or a business, you might be losing tens…
You worked hard to build your savings. Now you’re wondering: should you give your kids or grandkids a financial boost while you’re still around to see the benefits?Early inheritance can be a beautiful, impactful gesture — but only if done wisely.This playbook walks you through how to gift money smartly, safely, and with peace of…
Picture this: You’ve just picked up the keys to your dream rental property. It’s not perfect—yet. There’s a leaky faucet, the floors look tired, and the kitchen hasn’t been updated since disco was cool. Naturally, you’re itching to whip out your toolkit (or your contractor’s phone number) and make it shine. But before you dive…
If you’re prepping your home for sale, one question matters more than the rest: Where should you spend to make the most? The answer isn’t always intuitive. Fancy upgrades don’t always translate into higher offers. In fact, it’s often the smaller, smarter projects—the ones that improve first impressions and perceived value—that deliver the strongest returns. In the…
How Canada’s evolving trade tensions and economic conditions could influence mortgage rates—and what borrowers should consider when choosing between fixed and variable products. Introduction Mortgage shoppers in Canada are facing one of the most unpredictable rate environments in years. The recent escalation in U.S.-Canada trade tensions, combined with inflation risks and a slowing economy, has…
When you buy a home with less than 20% down, mortgage default insurance is mandatory.Most people assume it’s just something that protects the lender — not them. But what many homebuyers don’t realize is that default insurance often comes with built-in protections for homeowners, too.Some insurers offer valuable support programs that can help you keep your home if…
Let’s keep this simple. If your mortgage rate is 5%, and your investments return 7%, then every extra dollar you put toward your mortgage is a 2% loss. Still feel good about paying down that house? In 2025, this is one of the most misunderstood dynamics in personal finance. Most Canadians are still stuck on…
Your mortgage renewal isn’t just paperwork — it’s a prime opportunity to reset your financial course. Yet, many homeowners let it pass by without giving it the attention it deserves. The result? Missed savings, higher debt, and fewer financial options down the road. Let’s break down the most common mortgage renewal mistakes — and how…
If you’ve been hesitating to buy or sell a home because of interest rates, the economy, or upcoming elections, you’re not alone. Uncertainty can make any major financial decision feel risky. But what if the factors we focus on—like market conditions and economic forecasts—aren’t as important as we think? Some of the most successful investors, from Warren…