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Neil Joseph
Dec 11, 20246 min read
Prime Rate drops to 5.45%: 5th Reduction since June 2024
Insights on Mortgage rates (Fixed & Variable) in sync with latest Bank of Canada's policy rate decision, shaping Prime Rate dynamics.
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Neil Joseph
Oct 15, 20242 min read
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.
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Neil Joseph
Oct 15, 20243 min read
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.
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Neil Joseph
Oct 4, 20244 min read
Advanced Techniques: Supercharging Your Mortgage Pay Down
Advanced techniques associated with Loan Conversion can further accelerate your mortgage pay down and grow your investment portfolio faster.
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Neil Joseph
Jul 22, 20243 min read
Planning for a Fulfilling Retirement: Checklist for last 10 years before Retirement
Retirement might appear like a distant dream but requires long term preparation. Becomes paramount in the last 10 years before retirement.
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Neil Joseph
Jul 22, 20246 min read
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.
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Neil Joseph
Jul 22, 20242 min read
Mastering Tenant Selection: Expert Tips from An Experienced Investor
Success in real estate begins with strategic tenant selection and so here are 7 tips based on years of hands-on experience in real estate.
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Neil Joseph
Jul 22, 20244 min read
Investing in Real Estate: Financial Measures and Ratios
Assessing the performance of real estate through various financial ratios and measures is crucial to successful real estate investing.
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Neil Joseph
Jul 22, 20243 min read
Making the Most of a Mortgage-Free Retirement
Nearing Retirement and being mortgage-free, you're standing on the threshold of a new chapter in your life, but how do you navigate further?
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Neil Joseph
Jul 22, 20245 min read
The Real Estate Investor's Dilemma: Cash Flow vs. Appreciation
Cash flow offers a steady income stream, while appreciation promises the significant wealth accumulation but can you achieve both?
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Neil Joseph
Jul 22, 20244 min read
Avoiding Buyer's Remorse: 10 Tips for Budding Real Estate Investors
We've compiled a list of best practices that real estate investors can adopt to avoid buyer's remorse after making their first purchase.
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Neil Joseph
Jul 22, 20243 min read
Navigating Retirement with a Mortgage: Financial Strategies for Peace of Mind
For many retiring in a mortgage-free home is just a dream. But, with planning and prudent financial decisions, you can still navigate it.
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Neil Joseph
Jul 22, 20244 min read
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.
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Neil Joseph
Jul 17, 20242 min read
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.
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Neil Joseph
Apr 5, 20243 min read
Diverse Landscape of Mortgage lenders and Financing Options
There is a diverse landscape of mortgage lenders in Canada with diverse offerings and tailored solutions to meet the needs of homeowners.
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Neil Joseph
Mar 29, 20243 min read
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.
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Neil Joseph
Mar 18, 20243 min read
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?
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Neil Joseph
Mar 18, 20243 min read
Achieving Mortgage Freedom: Strategies to Pay Off Your Mortgage Early
Mortgage Freedom is a beacon of financial freedom and security, and with determination and strategic planning, it's entirely achievable.
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Neil Joseph
Mar 17, 20243 min read
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
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Neil Joseph
Mar 16, 20244 min read
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.
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