When you’ve worked hard to complete a consumer proposal and get back on your financial feet, it’s frustrating to still see remnants of it lingering on your credit report. We hear this all the time, especially when someone is preparing for a mortgage renewal or applying for new credit.   So let’s clear up what should be […]

The traditional argument holds: While buying a home can build long-term equity and stability, renting can provide flexibility and fewer upfront costs. But as home ownership becomes a far-fetched dream for many young Canadians, can renting for life be a viable option? Alex Avery, author of The Wealthy Renter, thinks so. “It’s different for every […]

Navigating the aftermath of a divorce or separation can be complicated at the best of times, but there are extra challenges when property is involved. A spousal buyout is a practical solution that allows one partner to retain ownership of the shared home without the need to sell. This approach maintains stability during a turbulent time and […]

Finding your dream home can seem like a daunting task.   But don’t despair! Here are five actionable steps to set you up for success. Start with the Practicalities: First, figure out your finances. How much have you got saved for a downpayment, how much can you afford on a monthly basis, and what will you […]

Despite the Bank of Canada taking steps to reduce interest rates, many Canadians still feel pressure due to the overall cost of living and inflation. This uncertainty can be unnerving for many individuals, but don’t fret! I have some tips and suggestions to help you manage your financial stress and help you to power through […]

Managing debt is challenging at any age, but it can be especially stressful in retirement when income is limited. Many Canadians turn to debt consolidation to simplify payments and lower interest rates. However, traditional options—such as personal loans, refinancing, or home equity lines of credit—often require a strong credit score and steady income, making them […]

Refinancing Your Mortgage in 2025. Refinancing your mortgage can be a smart financial move for many reasons, and as your trusted mortgage advisor, I’ve seen how much it can benefit homeowners! Ideally, refinancing is done at the end of your mortgage term to avoid penalties, but the timing can vary depending on your goals. For […]

Budgeting for the Year Ahead!. With the recent inflation and rising prices occurring across the country, it is time to take control of your finances. One of the quickest ways to understand where your money is going and where you can make changes, is to create a monthly budget. This will help you get a […]