News And Articles


home-ownership

Canada’s Financial Regulatory Landscape and Your Ability to Borrow

July 8, 2018

Canada’s financial institution regulatory framework covers Federally and Provincially-regulated institutions. While federally-regulated organizations operate Canada-wide, provincially-regulated institutions operate locally within a specific province. However, following the credit crisis of 2009 and, more recently, the household debt situation, we’re seeing a rise in Non-regulated Financial Institutions (NRFIs). What are Regulated Financial Institutions (RFIs)? Canadian Regulated Financial Institutions… Read More


Top Tips for First-Time Home Buyers

May 30, 2018

Signing your mortgage contract is a decision, good or bad, that will affect you for a good few years into the future. We’re here to give you guidance on the necessary, but often overlooked, aspects to consider when picking out your home. This article also helps to put your mortgage into perspective with your life… Read More


Safety Advice For Online Shopping with Your Credit Card

May 19, 2018

  I’ll start this article off by saying that using credit rather than debit cards online is far safer. Consumer protection is much more robust with credit cards, and you can even get zero liability policies. You can dispute fraudulent charges more easily if you pay with your credit card rather than a debit card…. Read More


How to find the right mortgage provider for you and questions to ask along the way

May 16, 2018

There are two aspects of mortgage loans that I want to write about today. First is how to decide on a mortgage provider. You need to choose carefully, find an expert who’s trustworthy and professional. It’s easy to see why, as you will be providing them with an all-access view of your finances. They are… Read More


Sak’s Fifth Avenue Credit Card Breach: What to Do if You’re Affected

April 3, 2018

Toronto company HBC has been pinned down as the most recent company to suffer from a major data breach. Sak’s Fifth Avenue store credit cards have been subject to a security breach. Hudson’s Bay Co., commonly known as HBC is the owner of these stores. Five million of Sak’s Fifth Avenue and Lord & Taylor… Read More

Credit Card Points

Credit Card Reward Points Guide – How it All Works

March 27, 2018

Credit card issuers want you to use their cards as often as you possibly can. So, what’s in it for them? The more you swipe or tap, the more fees they collect from merchants… It’s that simple! But how do they encourage you to use your card as frequently as possible? Points! You are rewarded,… Read More

parking tickets lowers credit score

Reasons Your Credit Score Isn’t as High as it Should Be

March 25, 2018

You’re at the desk applying for your first mortgage, and you’ve consistently brought soggy, homemade sandwiches to your desk to get that down payment. You’ve done everything by the book; paying off your monthly credit card statement, only took out loans you knew you could payback and generally have kept your credit score in tip-top… Read More


Loans 101: Understanding Various Types of Loans

March 22, 2018

  If you lack the financial resources you need to meet a particular obligation, be it house repair, paying down an upcoming mortgage installment, settling an overdue credit card bill, or booking a vacation, you’ll most likely look to get a loan. But what type of loan should you seek – do you really know?… Read More


Bitesize Youtube Videos to Understand your Finances

March 20, 2018

Banks and their fine-print documentation can often be over complicated to get your head around when getting to grips your financial options. There seems to be new financial terms created every other day. Youtube is often an incredible resource to get you started. Often credit can seem like a daunting concept, and many people are… Read More

Complete Cost of Buying a Home

The Complete Cost of Buying a Home: It’s More Than Just Your Mortgage!

March 16, 2018

If you’ve been around the home-buying block before, you’ve probably learned a few things after the first time – the hard way! But for first-time home buyers, here’s a little-discussed secret that you may not be aware of: Home buying costs aren’t just restricted to the down-payment and monthly mortgage installments. Read on to learn… Read More