top of page
Search


Big News for First-Time Homebuyers: 30-Year Amortization for Insured Mortgages is Here!
30-year amortizations for first-time buyers are here! See how this change impacts affordability and your path to homeownership.
Neil Joseph
Oct 15, 20242 min read
3 views
0 comments


Federal Government Says “Let’s Make It Rain” with New $1.5 Million Insured Mortgage Limit!
The insured mortgage limit is now $1.5 Million! Find out how this impacts first-time buyers and what it takes to qualify.
Neil Joseph
Oct 15, 20243 min read
2 views
0 comments


Buying Your Dream Home: 10 Essential Steps to Homeownership
Buying your home requires careful planning and preparation. Learn about the 10 essential steps to homeownership to make your journey smooth
Neil Joseph
Jul 22, 20244 min read
5 views
0 comments


Navigating Homeownership: Are you New to Canada?
People who are New to Canada may face some unique hurdles while buying a home. This blog offers a pathway to navigating this journey.
Neil Joseph
Jul 22, 20246 min read
4 views
0 comments


Avoiding Buyer's Remorse: 10 Tips for Homebuyers
Many homebuyers find themselves facing buyer's remorse after buying their home. First time home buyers can follow 10 tips to stay safe.
Neil Joseph
Jul 22, 20243 min read
2 views
0 comments


Buying a Home after Consumer Proposal or Bankruptcy
Past Bankruptcy or Consumer Proposal can make navigating the journey to homeownership even more difficult. Learn about steps you can take.
Neil Joseph
Jul 22, 20243 min read
4 views
0 comments


Every Penny Counts: How FHSA Can Transform Your Path to Homeownership
First Home Savings Account (FHSA) offers a host of benefits designed to make saving for your first home more accessible and rewarding.
Neil Joseph
Jul 22, 20242 min read
0 views
0 comments


Navigating the Mortgage Maze: Tips for the Self-Employed
Being self-employed can bring numerous advantages, but it also presents unique financial challenges like with qualifying for a mortgage.
Neil Joseph
Jul 22, 20244 min read
5 views
0 comments


Buying a Property: HST Rebates for New Homes
Rebates are available from Federal and Ontario governments to reduce the burden of 13% HST when purchasing a new property from the builder.
Neil Joseph
Jul 17, 20242 min read
4 views
0 comments


Unveiling the Hidden Costs of Your Mortgage: Impact of Interest Costs
Our mortgages typically span over 25 years but are divided into terms as short as 1 to 5 years. This hides the true impact of interest costs
Neil Joseph
Jul 8, 20247 min read
8 views
0 comments


Exploring Downpayment Assistance programs for Homebuyers
Young Canadians desire homeownership but struggle with down payment savings. Downpayment assistance programs can make a difference!
Neil Joseph
Apr 8, 20243 min read
14 views
0 comments


Empowering Self-Employed borrowers: Maximum Mortgage at Minimum Income Tax
By leveraging bank statements instead of personal income tax returns, self -employed can get the maximum mortgage with minimum income tax.
Neil Joseph
Mar 29, 20243 min read
8 views
0 comments


Downsizing Dilemma: Investing in a Bigger Down Payment or Diversifying Proceeds?
Once you've decided to downsize, the question of what to do with the purchase arises. No Mortgage, Small Mortgage or Invest proceeds?
Neil Joseph
Mar 18, 20243 min read
3 views
0 comments


Understanding the Opportunity Cost of Homeownership
While homeownership comes with different advantages, it's crucial to grasp opportunity costs inherent in this decision and balance tradeoffs
Neil Joseph
Mar 17, 20243 min read
13 views
0 comments


10 Signs You have Too Much House
It's fine line between Homeownership and finding oneself caught in a nightmare of overextension. Having Too Much Home can be Real.
Neil Joseph
Mar 16, 20244 min read
11 views
0 comments


Understanding the Financial Impact: Is Your Home an Asset or a Liability?
The question of whether a home is an Asset, or a Liability has long been debated. However, the answer is not always either or!
Neil Joseph
Mar 16, 20247 min read
35 views
0 comments


Transform Your Mortgage into a Wealth-Building Tool
Loan Conversion leverages the tax-deductibility of investment loans to accelerate payoff of mortgage while building wealth at the same time.
Neil Joseph
Mar 16, 20243 min read
41 views
1 comment


Hidden Costs: Uncover the True Cost of your Mortgage
Canadians cannot claim tax deductions on interest paid on their home. This means that every dollar of mortgage interest is after-tax dollar.
Neil Joseph
Mar 16, 20243 min read
20 views
0 comments


Navigating Bidding War When Buying a Home
Home Buyers often find themselves caught in bidding wars wherein multiple buyers compete for the same property, driving up the prices.
Neil Joseph
Mar 16, 20242 min read
9 views
0 comments


The Pros and Cons of Buying a Fully Renovated Home vs. a Fixer Upper
Purchasing a fully renovated property or a fixer upper can be a dilemma for many homebuyers. Do you know the pros and cons?
Neil Joseph
Mar 16, 20243 min read
9 views
0 comments
bottom of page