As the Canadian housing market continues to evolve, the federal government has announced significant changes to mortgage rules designed to help more Canadians achieve homeownership. Effective December 15, 2024, these…
As the seasons shift from the carefree days of summer to the structured rhythms of fall, it’s an opportune time to give your budget a thorough review. The end of…
In the world of personal finance, few topics spark as much interest—and confusion—as tax optimization. It’s often wrapped in layers of complexity that can deter even the savviest investors. Yet,…
Contrary to the fear I hear all the time from prospective first time buyers, there is no rule saying that you must be debt free to get a mortgage. You…
Once upon a time, paying off your home mortgage in full by retirement was a cornerstone of the Canadian dream. Older generations delight in telling stories of enduring 18%+ interest…