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Port, Blend or Break? Choosing the Cheapest Way to Move Your Mortgage in 2025

Port, Blend or Break? Choosing the Cheapest Way to Move Your Mortgage in 2025 Why This Decision Matters More in 2025 Roughly 1.2 million Canadian households are renewing this year, and many are also upsizing, downsizing, or relocating for work....

August 14, 2025

Unlocking the First Home Savings Account (FHSA): Powerful Benefits and Potential Drawbacks for Canadian Homebuyers

Mortgage

Unlocking the First Home Savings Account (FHSA): Powerful Benefits and Potential Drawbacks for Canadian Homebuyers

Unlocking the First Home Savings Account (FHSA): Powerful Benefits and Potential Drawbacks for Canadian Homebuyers The First Home Savings Account (FHSA) is a game-changer for first-time homebuyers in Canada. Launched in 2023, this innovative registered savings account combines the best...

August 12, 2025

The Hidden Risk: How Falling Home Values Can Jeopardize Your Refinance Plans

Mortgage

The Hidden Risk: How Falling Home Values Can Jeopardize Your Refinance Plans

The Hidden Risk: How Falling Home Values Can Jeopardize Your Refinance Plans As a Canadian homeowner, refinancing your mortgage can be a powerful tool to reduce monthly payments, access equity for renovations, or consolidate high-interest debt. But what happens when...

August 10, 2025

What Is LTV? Understanding Loan to Value for Mortgages in Canada

Finance

What Is LTV? Understanding Loan to Value for Mortgages in Canada

The loan to value (LTV) ratio is a key factor lenders use to assess risk and determine how much they’re willing to lend you. In Canada, a lower LTV can help you access better mortgage rates, avoid costly insurance, and...

August 8, 2025

Mortgage Solutions During a Divorce: A Canadian Guide

Uncategorized

Mortgage Solutions During a Divorce: A Canadian Guide

Divorce is one of life’s most emotionally and financially complex events. When a mortgage is involved, the stress can intensify. For Canadian homeowners going through separation, knowing your mortgage options is essential to protecting your finances, credit, and home. Whether...

August 6, 2025

Unpaid Property Tax Consequences: Canadian Guide

Property Taxes

Unpaid Property Tax Consequences: Canadian Guide

What You Need to Know Unpaid property tax in Canada can snowball quickly into serious legal and financial trouble. When you don’t pay your property tax, interest and penalties start to build. Eventually, your local municipality can place a property...

August 4, 2025

Home Equity Loan

The Complete Guide to a Home Equity Loan in Alberta for Debt Relief

Can a Home Equity Loan in Alberta Really Help With Debt? Yes. If you’re drowning in high-interest debt like credit cards or personal loans, home equity loans in Alberta are a powerful tool to take control of your finances. By...

July 30, 2025

Can You Really Lose Your Home Over Unsecured Debt? A Canadian Guide

Finance

Can You Really Lose Your Home Over Unsecured Debt? A Canadian Guide

While unsecured debt might sound less risky than a mortgage or car loan, the consequences of not paying can be just as serious. In Canada, if a creditor obtains a judgment against you for unpaid unsecured debt, they can register...

July 28, 2025

Mortgage

The Truth About Canada’s Mortgage Market in 2025: Powerful Trends and Shocking Challenges Ahead

The Truth About Canada’s Mortgage Market in 2025: Powerful Trends and Shocking Challenges Ahead As we move through 2025, Canada’s mortgage market continues to adjust to a post-pandemic economic landscape shaped by high interest rates, affordability concerns, and growing demand...

July 26, 2025