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Resources for owning / buying a new home
Find helpful articles and resources to guide you through your homeownership journey.
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GST Rebate for First-Time Home Buyers: What You Need to Know
The federal government has proposed a GST rebate program aimed at making homeownership more accessible for first-time buyers across Canada. Rising housing costs and affordability challenges have left many Canadians struggling to enter the market, but this program seeks to ease that…
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Debt Service Ratio | GDS And TDS Calculator
Debt Service Ratio (DSR) or Gross Debt Service (GDS) ratio and Total Debt Service (TDS) ratio are two commonly used metrics in real estate and mortgage lending to measure a borrower’s ability to make their monthly mortgage payments. Find out yours using…
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Rent vs. Buy?
Considering whether you should keep renting? Is now the time to buy? Ever wondered what your rent payment would be as a mortgage amount? Complete the below calculator and find out what your rent payment would equal in terms of a mortgage…
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Down Payments: Explained
If you’re buying a home, you’ll need to secure a down payment. But what is a down payment, and how much should you expect to put down? What is a Down Payment? If you’re ready to put renting behind you and try…
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Credit Scores Explained: What Is A Good Credit Score in Canada?
In Canada, your credit score generally ranges from 300 to 900. So what’s a good credit score? Well, the higher the score, the better. If you have scores between 800 and 900, you’re in excellent shape. They may be used to determine…
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How To Get A Mortgage With Low Income In Canada
Navigating the real estate market and securing a mortgage on a low-income in Canada can seem daunting. This article aims to demystify the process of acquiring a mortgage for those with limited financial resources and guide you through the necessary steps to…
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What Is The Average House Appreciation Rate In Canada? In Alberta? In Edmonton?
Whether you’re buying a home for your family or purchasing a home as an investment property, the appreciation rate of homes in Canada is an important statistic for many Canadian homeowners. Understanding the average house appreciation rate in Canada, as well as…
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Can I Use a Line Of Credit For My Down Payment?
Are you considering buying a home in Edmonton but don’t know how to finance the down payment? There are many ways to come up with the funds for your down payment, such as tapping into existing equity or taking out a personal…
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The Best Banks For Mortgages In Canada
When it comes to buying a home, Canadians are faced with many important decisions – from finding the perfect neighbourhood and choosing what kind of house they want, to financing their purchase. One of the most important – and longest-lasting – decisions…
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How Can Buying A Car Affect My Mortgage Approval Process?
Are you one of the many prospective home buyers out there searching for a new home? If so, great! There’s nothing quite like the feeling of finding that perfect place and beginning to plan the details of your move. That said, it…
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What Are the Mortgage Co-Signer Requirements in Canada?
Getting a mortgage can be difficult for many Canadians, especially those with a low credit score. If you’re in this situation, you may consider having someone co-sign the loan with you, which could potentially make it easier to get approved. In this…
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What Is A Mortgage Employment Letter?
Mortgages are a crucial part of Canadian life, and getting one can be complicated if you don’t know what to expect. One of the many documents you may be required to provide to your lender is an employment letter. But what is…
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What is a B Lender?
If you’re in Canada, and you’re looking for a mortgage, you may have heard the term “B lender.” What is a B lender, and what does it mean for your mortgage? In this article, we’ll answer those questions and more. Keep reading…
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Airbnb in Edmonton: Everything You Need To Know About Running One
Many travellers today are looking for more personalized experiences than they can find at traditional hotels, and Airbnb has become extremely popular as a result. In this article, we’ll cover the basics of Airbnb in Edmonton, from what it is to how…
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