First Time Home Buyers Plan

First Time Home Buyers Plan

Home ownership is a great way to build financial security. After 25 years, you could own a house that is paid off, and has likely increased in value significantly, or you could have paid a lot of money in rent and have nothing to show for it. For First Time Home...
Retirement Mortgages

Retirement Mortgages

With the increase in home prices Canadians have experienced over the last decades, home equity has become an increasingly important source of capital and income for many Canadians in retirement. Since home equity is available on a tax-free basis (unlike pensions or...
The Cash Dam

The Cash Dam

The Cash Dam is a simple but powerful tax strategy that allows the owner of a rental property (or small business) to convert their non-deductible mortgage on their home to a tax-deductible credit line.  I use this technique to help of our real estate investor clients...
Should You Lock in Your Mortgage Rate?

Should You Lock in Your Mortgage Rate?

Having spent 15 years working in capital markets with foreign exchange and interest rates derivatives, prior to becoming a mortgage broker and financial advisor, I have extensive experience assessing what the market is telling us about the future direction of interest...