The reason I don’t talk about fixed or variable interest rates at the beginning of a mortgage conversation is that ‘the best rate' depends.

Why am I not worried about rates? Rates are cyclical. Rates go up and rates go down. But, let's look at this as an opportunity.

The features and fine print that affect your total cost of borrowing. TL;DR: there are many factors besides the interest rate that will...

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...

Besides the mortgage payment, there are other costs you will encounter that should be considered. TL;DR: besides your mortgage payment,...

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...

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...

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...

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

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...

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...

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...

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...

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...

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...

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...

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...

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...