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Evaluate your income, expenses, and savings early to set a realistic budget and ensure long-term financial stability. Save at least 5–20% for a down payment to reduce mortgage insurance costs and overall loan burden. Secure mortgage pre-approval to know your borrowing limit, lock in rates, and strengthen your buying position. Research local markets and work…

Know your finances first by checking your credit score, income, expenses, and budget before approaching lenders. Research lender types like banks, credit unions, brokers, and online lenders to find the best fit for your needs. Compare rates and terms carefully, including fees and loan programs, using Loan Estimates to get the full picture. Evaluate customer…

Speed up payments: Switch to biweekly payments to make an extra annual payment and reduce interest over time. Increase payments: Pay more toward your mortgage whenever possible to reduce your principal faster. Make lump-sum payments: Use windfalls like bonuses or tax refunds to make extra payments and lower interest. Weigh your options: Review your mortgage…

The “eleventh hour of the eleventh day of the eleventh month" of 1918 that signaled the end of World War I. On this day we honour those who have sacrificed so much to keep our flag flying high. Remembrance Day Salute to all heroes, and thank you for your service.

Start with a clear budget including mortgage, taxes, insurance, utilities, maintenance, and closing costs. Get pre-approved for a mortgage to know your borrowing limit and show sellers you're serious. Prioritize essential needs like location, bedrooms, and affordability over luxury features during home search. Work with experienced real estate agents and mortgage professionals to navigate market…

FHSA lets first-time buyers save tax-free for a home, up to $8,000 in the first year. Contributions are generally deductible, but RRSP transfers to FHSA are not deductible. First-time buyer status differs for opening vs. withdrawing from FHSA. To qualify, you and your spouse must not have lived in a qualifying home you owned in…

Prep Early: Complete exterior maintenance—fix gutters, repaint, rake leaves, and brighten windows before cold weather limits improvements. Warm and Welcoming: Keep interiors cozy and decorated; personal touches help buyers imagine themselves living there. Avoid Neglect: Maintain curb appeal, keep utilities on in vacant homes, and price realistically to attract serious buyers. Smart Offer Choices: Don’t…