Mortgage rule changes
Ontario Just Removed the HST on New Homes. Here Is What That Actually Means for You.
Ontario and the federal government just made the biggest new-home affordability announcement in a generation. The full 13% HST has been wiped off qualifying new
Canadian HELOC Rule Changes 2023: What Borrowers Need to Know
On October 31, 2023, the Office of the Superintendent of Financial Institutions (OSFI) implemented Guideline B-20 changes that fundamentally altered how Canadians access home equity
Buying a home in 2023: First Time Home Buyers
Buying a home for the first time can be a daunting experience, but with the right knowledge and preparation, it can also be an exciting and rewarding one. Our first-time home buyers guide for Canadians covers all the essential steps in the process, from determining your budget to closing on the purchase of your new home. Follow these tips and considerations to make the process as smooth and successful as possible.
First Time Home Buyer Changes are coming
First Time Home Buyers can expect some changes to the program this spring. But will these changes actually help get you into the housing market?
Breaking: CMHC Announces Changes to Insured Mortgages
Canada Mortgage and Housing Corp. is toughening up its rules to make it harder to get mortgage insurance, a move that would reduce demand from
COVID-19 Update with Treadstone Law
How is the Coronavirus affecting legal closings for Mortgages? If you’ve got an upcoming closing and are not sure how this will affect your lawyers
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Can You Use a HELOC or Borrowed Money for Your Down Payment in Canada?
Yes, in specific circumstances. Some lenders and mortgage default insurers will accept a HELOC (home
Renting Out Your Home? How the 45(2) Election Can Defer the Tax Hit
Converting your principal residence into a rental triggers what the Income Tax Act calls a
Second Mortgage vs Refinance to Invest: Which One Actually Costs Less?
A second mortgage and a refinance both turn home equity into cash, but they are
Can You Use the FHSA and Home Buyers’ Plan Together for One Down Payment?
Yes. A first-time buyer can withdraw from both a First Home Savings Account (FHSA) and