For most first time home buyers in Ontario, the biggest obstacle to purchasing a home isn’t qualifying for a mortgage. It’s pulling together the down payment. With rising home prices across the GTA, Halton, Hamilton, and surrounding areas, many buyers assume they must save every dollar on their own. In reality, most first time buyers […]

When purchasing your first home, one of the most important mortgage decisions is whether your financing will be insured or uninsured. The difference affects how much you need for a down payment, how your mortgage is structured, and how much flexibility you have long term. Recent rule changes have created additional options specifically for first […]

Buying and selling a home at the same time can be stressful, especially when the closing dates do not line up. In Ontario, bridge financing is a common solution that allows homeowners to access the equity from their current home before the sale officially closes. Bridge loans are frequently used in competitive real estate markets […]