top of page
Search


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


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.
Neil Joseph
Jul 22, 20243 min read
0 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


Prime Rate drops to 6.95%: 1st Reduction in over 4 years
Insights on Mortgage rates (Fixed & Variable) in sync with latest Bank of Canada's policy rate decision, shaping Prime Rate dynamics.
Neil Joseph
Jun 5, 20244 min read
7 views
0 comments


A Comprehensive Comparison: HELOC vs. Reverse Mortgage vs. Downsizing
Home Equity Line of Credit (HELOC), Reverse Mortgage, and Downsizing are key equity release options available to homeowners in retirement.
Neil Joseph
Apr 15, 20245 min read
12 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


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.
Neil Joseph
Apr 5, 20243 min read
6 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


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.
Neil Joseph
Mar 18, 20243 min read
10 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


Essential Tips for Managing Financial Strain in Retirement
For many financial strain in retirement can cast a shadow over this period of life. Some practical tips to help make a difference.
Neil Joseph
Mar 16, 20243 min read
11 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
bottom of page