Many plan to wait 12–24 months before stepping into the market Canada’s housing market is shifting in favour of buyers. Softer prices, more listings, and easing borrowing costs have improved affordability. Yet most first-time buyers aren’t rushing in. They’re watching,…
Let’s be real. You’ve probably told yourself some version of this: “The market feels risky right now. I’ll wait until things settle.” “Rates are too high. I’ll jump in when they drop.” “Prices are up. I missed the window—maybe next year.” The…
Most financial stress comes from one thing: not knowing if you’re doing it right. You’re juggling conflicting goals: saving for a house, preparing for emergencies, investing for retirement. But with no clear structure, decisions become reactive. That’s where the 3-Bucket…
(And How to Avoid Them) Your mortgage renewal isn’t just paperwork — it’s a prime opportunity to reset your financial course. Yet, many homeowners let it pass by without giving it the attention it deserves. The result? Missed savings, higher…
When your mortgage comes up for renewal, it is natural to focus on the interest rate. Securing a competitive rate matters, but it is only one piece of the puzzle. A renewal is a strategic moment to rework your mortgage…