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Overtime, commissions and bonuses, your lender won’t count your best year
Claudie is a nurse. For the past two years, she has taken on a lot of overtime, and her evening and weekend premiums add up on top of her base salary....
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When the Appraisal Comes in Below the Purchase Price: Who Covers the Gap?
Jérôme finally won. After two visits and an offer competing with two other buyers, his offer to purchase was accepted at $520,000. He planned a 20% do...
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Adding a secondary suite: your financing is decided before the first hammer swing
Zoé bought her bungalow two years ago. Her basement barely gets used, and she would like to turn it into a rental unit to ease her mortgage payments....
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Financing a new home: what your pre-approval doesn’t cover
Élodie just signed a preliminary contract for a new $425,000 condo. Delivery is scheduled in 14 months. She has a pre-approval in hand and considers h...
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Parental leave and your mortgage: the income that counts isn’t the one you’re receiving
Jade has been on parental leave for four months. Her home has become too small, and a house she has been watching for a long time just came on the mar...
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Pay Off Your Mortgage Faster Without Penalties Using the Prepayment Privileges in Your Mortgage Contract
Florence had just received a $5,000 bonus. Her first instinct: put it on her mortgage. Her second instinct: do nothing, because she had heard you pay...
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Buying with Others: The Lender Can Ask You for 100% of the Debt
Camille and her sister Éloïse wanted to buy a house together. Camille had a strong income and a spotless credit file. Éloïse had a more modest income,...
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Cottage or Second Home: Why the Down Payment Isn’t Always What You’d Expect
Raphaël had been looking for the right cottage for two years. He finally found it, on a lake in Quebec’s Eastern Townships. His bank had mentioned a 5...
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Getting a Mortgage When You’re New to Canada: How It Works Without Canadian Credit History
Nadia has been here just over two years. A stable job, savings, no debt, but the same answer every time she called a financial institution: “You don’t...
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What Changes With CMHC Mortgage Loan Insurance When You Put Down Less Than 20%
Noah had just gotten his offer accepted on a $400,000 condo. With a 10% down payment, $40,000, he figured he’d done his homework. Then his lender’s cl...
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