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The $500 Question: Where Should Your Next Dollar of Savings Go?
Say you have an extra $500 a month available to save. Should it go into your TFSA, RRSP, FHSA, RESP, or against your mortgage? There isn't one account that automatically wins. Each does something different, and the right choice depends on your income, debt, family...
Are You Saving for Your First Home in the Right Order?
Saving for your first home has never been easier...or more confusing. Not long ago, most Canadians simply put money aside wherever they could. Today, first time buyers have access to several government supported savings programs, each offering different tax...
Is a Reverse Mortgage Right for You? Understanding When It Makes Sense
For many Canadians approaching or living in retirement, one of their biggest assets is not sitting in an investment account. It is the equity they have built in their home. After decades of mortgage payments and rising property values, many homeowners have substantial...
Buying a Home on Your Own Timeline
Why It Is Not Too Late to Want Something of Your Own Not everyone buys their first home in their 20s or 30s. Some women buy in their 40s or 50s, after raising children, building a career, rebuilding after a separation, or simply waiting until the timing finally makes...
The Hidden Renewal Risk for Retirees
Mortgage Renewal Pressure on Retirees: The Overlooked Risk for Older Canadian Homeowners With so much conversation around mortgage renewals right now, it’s easy to focus on rate increases alone. But there’s a group of homeowners we’re not talking about nearly enough....
Is It Okay to Just Sign My Mortgage Renewal?
When your mortgage term comes up for renewal, your lender will typically send you a renewal offer a few months before the term expires. For many homeowners, the process feels straightforward: review the rate, sign the paperwork, and move on. And sometimes, that’s...
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