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    • All Posts
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    Terms and conditions
    Andrew Sikomas
    • 2 min

    Terms and conditions

    The features and fine print that affect your total cost of borrowing. TL;DR: there are many factors besides the interest rate that will...
    Home inspection
    Andrew Sikomas
    • 2 min

    Home inspection

    Just do it. TL;DR: If you're looking for a shortcut on reading this article then you should definitely read this article! It is easy to...
    Other monthly expenses to think about
    Andrew Sikomas
    • 3 min

    Other monthly expenses to think about

    Besides the mortgage payment, there are other costs you will encounter that should be considered. TL;DR: besides your mortgage payment,...
    Real Estate Lawyers
    Andrew Sikomas
    • 2 min

    Real Estate Lawyers

    TL;DR: When you buy a home you will need to hire a real estate lawyer. Your lawyer will ensure the paperwork is done correctly, your...
    Andrew Sikomas
    • 3 min

    Qualifying to buy a home - the 40,000 foot view

    A general overview of buying a home and what gets looked at to qualify. TL;DR: if you were going to lend hundreds of thousands of dollars...
    Andrew Sikomas
    • 4 min

    Pre-approval

    Thinking of buying a property, but don’t know where to start? Well… that’s where a mortgage pre-approval comes in. Start here. TL;DR: a...
    Andrew Sikomas
    • 2 min

    Finding the right home without blowing your budget

    Responsible home ownership includes knowing what you can comfortably afford, setting a budget, and buying within it. If you have been...
    Andrew Sikomas
    • 2 min

    First time home buyer tax credit

    TL;DR: if you're a first time home buyer, you get free money on your tax return from the government - take it! If you are a first time...
    Credit Score
    Andrew Sikomas
    • 4 min

    Credit Score

    TL;DR: Closing an old un-used credit account might hurt your score; your score will go up or down for a variety of reasons; a good credit...
    Credit Checks
    Andrew Sikomas
    • 2 min

    Credit Checks

    Is it really necessary to pull credit? Will it hurt me? TL;DR: Yes, it is necessary. And generally, no, it won't hurt you. But it can...
    Considering a subject-free offer?
    Andrew Sikomas
    • 3 min

    Considering a subject-free offer?

    If you're in the market for a new home in 2022, in just about any market in Canada, there's a good chance you may be facing some stiff...
    RRSP Home Buyer's Program
    Andrew Sikomas
    • 5 min

    RRSP Home Buyer's Program

    TL;DR: you can take up to $35k/person out of your RRSPs tax-free to buy your first home. You pay back your RRSP over 15 years, or you pay...
    Programs for first time home buyers
    Andrew Sikomas
    • 3 min

    Programs for first time home buyers

    TL;DR: most of these programs are just for first time buyers, and some of them are "use it or lose it" so you'll want to know what they...
    How much does it cost to buy a home? Learn all about closing costs.
    Andrew Sikomas
    • 7 min

    How much does it cost to buy a home? Learn all about closing costs.

    TL;DR: Budget about 1.5% of the home price, over and above your down payment. That number will be different (possibly very different) for...
    Include renovations in your mortgage - here's how! (Purchase + Improvements)
    Andrew Sikomas
    • 5 min

    Include renovations in your mortgage - here's how! (Purchase + Improvements)

    TL;DR: When purchasing a home, buyers can add the cost of home upgrades into their mortgage. The program is designed to allow for up to...
    Why You Should Purchase Life Insurance
    Andrew Sikomas
    • 3 min

    Why You Should Purchase Life Insurance

    Life Insurance? Isn’t That Just For Old People? If there’s one thing more boring than mortgages, it’s life insurance. So, we get it if...

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