Renewals & refinancing
Should You Switch Lenders at Mortgage Renewal?
Switching lenders at renewal often saves you money, because your current lender rarely offers its best rate on the renewal letter. Moving your mortgage to
How to Negotiate Your Mortgage Renewal Rate
You negotiate your mortgage renewal by refusing the first offer and showing your lender a better rate from the market. Lenders keep a lower retention
Should you break your current Mortgage?
Breaking a mortgage in Canada typically involves paying a penalty and other fees. It’s a complex and costly decision that requires careful consideration. Get expert advice from a financial advisor or mortgage broker before proceeding.
Toronto Real Estate Update: Q&A with Alex Balikoev
There have been a lot of changes since the Coronavirus has surfaced in Toronto. We chat with Alex of Sotheby’s to find out the latest
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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