5 C’s For First Time Home Buyers

5 C’s For First Time Home Buyers

What does it take to be a homeowner? A down payment, certainly. A good job, yes. Strong financial planning, absolutely. And how about credit? How can you know if you’ve got good credit? And if you don’t, how can you make it stronger? Here are the 5...
Global Uncertainty Hurting Canadian Economy

Global Uncertainty Hurting Canadian Economy

The common consensus in May was that the Bank of Canada wouldn’t be increasing the overnight rate again for another 12 to 18 months. With this week’s announcement from the central bank this forecast is even more certain. In fact, more and more economists...
Practicing Being a Homeowner

Practicing Being a Homeowner

If you’re thinking about buying your first home you may already be familiar with what it takes to be a homeowner. Paying the bills, cooking, cleaning, and doing the shopping. You might have a lot of practice at these kind of responsibilities but unless you...
Consolidating Credit Card Debt

Consolidating Credit Card Debt

Most people have a love/hate relationship with credit cards. But they are often a necessary for many Canadians when they want to start building their credit. Attractive options like credit cards with cash back or travel rewards can be excellent tools if you know how...
How to Beat the Mortgage Stress Test

How to Beat the Mortgage Stress Test

If you’ve been paying attention to the housing market then the phrase “stress test” will mean something to you. Maybe even something bad. The test, which was brought in by OSFI at the start of 2018, is most known for the impact it has on one’s...