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Pay balances three days pre-statement to lower utilization ratios, significantly boosting your credit score quickly.Accept credit limit increases to reduce utilization, improve credit health, and strengthen your profile responsibly.

In some families, it’s a day to spend time playing in the snow, building snowmen, or having snowball fights. Some families take advantage of the long weekend to have a "staycation" and enjoy the activities in their own city or town. Take advantage of this wonderful time of year to reinforce your family bonds. Wishing…

Valentine’s Day occurs every February 14 around the world, and candy, flowers and gifts are exchanged between loved ones, all in the name of St. Valentine Valentine greetings were popular as far back as the Middle Ages, though written Valentine’s didn’t begin to appear until after 1400. By the middle of the 18th, it was…

Canada's housing market in 2025 shows signs of improvement, with lower borrowing costs and new mortgage rules.New rules include 30-year mortgages and higher price caps, making it easier for buyers to qualify.

Canadian mortgage renewal risks are easing due to lower interest rates, with many borrowers expected to renew at reduced rates.Bank CEOs are worried about potential U.S. tariffs on Canadian imports, fearing economic damage and uncertain long-term impacts.

Mortgage renewal in Ontario differs from refinancing, as it happens only at the end of a term.Lenders will send a renewal statement with key details like interest rate, principal, and any fees.

Breaking a mortgage contract early often results in a penalty fee determined by your interest rate. Penalties for fixed-rate mortgages are typically higher, based on Interest Rate Differential (IRD), while variable rates are simpler.