The Pretend Homeowner

The Pretend Homeowner

What is a pretend homeowner? It’s someone who hasn’t bought their first home yet but lives financially as though they have in preparation for homeownership. Doing this gives the pretender a good idea what they’re in for and the chance to find out if...
Credit Card Debt Consolidation

Credit Card Debt Consolidation

Credit cards. Maybe they make you cringe. Maybe they make your eyes light up. Either way, they can be an effective tool for Canadians looking to build their credit. With perks like travels rewards and cash back, credit cards are an attractive option. However, if you...
Beating the Stress Test

Beating the Stress Test

If you’ve been recently looking at buying a house there’s no doubt the phrase “stress test” puts a bad taste in your mouth. On January 1st 2018 OSFI introduced their mortgage stress test. This test implements a few extra hoops for mortgage...
Which Is the Best Season to Get a Mortgage?

Which Is the Best Season to Get a Mortgage?

Canadians easing into spring often look like they’ve finally escaped from being held hostage inside a deep freezer for months on end. Once they begin to thaw you’ll notice a look of guarded optimism grace their faces. And when they know for certain that...