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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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Why Your Borrowing Capacity from the Bank Is Almost Never the Same as an Online Calculator’s Result
Thomas had run three different mortgage calculators before calling us. They all landed around the same place: roughly $450,000. His pre-approval came...
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Co-signer or Guarantor, the Distinction Most Families Don’t Know
Léa had just found the condo she wanted, but her income alone wasn’t enough to qualify. Her mother offered to help. "I’ll just sign with you," she sai...
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FHSA and HBP: the tax deduction most buyers leave on the table
Clara and Mathis had just gotten their offer accepted on a semi-detached home in Sherbrooke. Like most first-time buyers, they planned to use the Home...
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The Down Payment Gift, Simple on Paper, Not So Simple in the Details
Justine was buying her first home for $450,000. To meet the minimum 5% down payment, her parents had agreed to gift her $30,000, more than enough to c...
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Home Equity Line of Credit: The Equity Most Homeowners Never Use
This week, three very different clients asked me almost the same question without ever consulting one another: “Could I borrow against the equity i...
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What You Should Know Before Signing Your First Mortgage Renewal
Anne bought her first property five years ago. She was proud, a little stressed, and relieved when everything finally came together at the notary's of...
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This Week, I Saw Five Homeowners Make the Exact Same Mortgage Renewal Mistake
This Week, I Saw Five Homeowners Make the Exact Same Mortgage Renewal Mistake Some weeks, client meetings start to feel surprisingly similar. This w...
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My Client Thought 0.50% Wouldn’t Make a Difference… Until We Did the Math
This week, a client asked me a question that many homeowners are probably thinking but never actually say out loud. “Cynthia… is it really worth sw...
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