The changes announced by the Finance Minister were put in place to ensure that home buyers can afford to hang onto their home if interest rates are higher when their mortgage matures down the road. While I feel they went a little to far on this test, it is not entirely a bad idea. Regardless […]

For many families, Child Tax Benefits are a very important part of monthly income that often allows one parent to stay home or work less hours.  It is also a great benefit for a single parent as well.  But in both cases, a lower employment income can create an issue when they are looking to […]

With banks tightening up their lending guidelines, a client who gets a decline from their bank is given a very definite decline.  This can be devastating. Many people don't know that they may be approved at another lender, or are frustrated and do not want to go through the process again.  If I run into […]