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The Smith Maneuver

The Smith Maneuver

  • Post author:Gene
  • Post published:March 15, 2025
  • Post category:Financial Wellness
  • Post comments:0 Comments

The Smith Maneuver stands as one of the most innovative financial strategies available exclusively to Canadian homeowners, offering a legal method to effectively make mortgage interest tax-deductible while simultaneously building wealth

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Credit Card Sweep Method

Credit Card Sweep Method

  • Post author:Gene
  • Post published:February 24, 2025
  • Post category:Understanding Credit
  • Post comments:0 Comments

When you are rebuilding credit it's important to be careful with making your payments on time above all, but there are some tricks to credit card payments to be aware…

Continue ReadingCredit Card Sweep Method
30% of your Credit Score is How Much and When you Pay your Credit Card

30% of your Credit Score is How Much and When you Pay your Credit Card

  • Post author:Gene
  • Post published:February 24, 2025
  • Post category:Financial Wellness/Understanding Credit
  • Post comments:0 Comments

Fine Tune your Payment Habits to improve your Credit Score

Continue Reading30% of your Credit Score is How Much and When you Pay your Credit Card
Key Insights for Borrowers & Real Estate from Q4 Survey

Key Insights for Borrowers & Real Estate from Q4 Survey

  • Post author:Gene
  • Post published:February 11, 2025
  • Post category:Market Updates/Real Estate Insights
  • Post comments:0 Comments

Bank of Canada Market Participants Survey—Fourth Quarter of 2024 was just released and reveals cautious optimism for 2025-2026, with implications for mortgage rates, housing markets, and economic stability. Here are…

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Canada’s Fixed vs Variable Rates: 2025–2028 Outlook

Canada’s Fixed vs Variable Rates: 2025–2028 Outlook

  • Post author:Gene
  • Post published:January 25, 2025
  • Post category:Market Updates
  • Post comments:0 Comments

Forecast for Fixed and Variable Interest Rates in Canada (2025–2028) Fixed Interest Rates 2025: Fixed mortgage rates are projected to decline moderately as bond yields stabilize. This is influenced by…

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Mortgage Rates and Trade Wars: What Canadians Need to Know Now

Mortgage Rates and Trade Wars: What Canadians Need to Know Now

  • Post author:Gene
  • Post published:January 22, 2025
  • Post category:Market Updates
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Mortgage Rates & Trade Wars: What Should We Expect?

Continue ReadingMortgage Rates and Trade Wars: What Canadians Need to Know Now
Insured vs Uninsured Mortgages: Costs Compared
Comparing insured and uninsured mortgages for a $400,000 home in Alberta

Insured vs Uninsured Mortgages: Costs Compared

  • Post author:Gene
  • Post published:January 18, 2025
  • Post category:Financial Wellness/Home Buying Tips/Mortgage Basics
  • Post comments:0 Comments

Comparing an insured and uninsured mortgage for a $400,000 home in Alberta

Continue ReadingInsured vs Uninsured Mortgages: Costs Compared
Homeownership Without the Upfront Costs? “Zero Down”?
Image by Clker-Free-Vector-Images from Pixabay

Homeownership Without the Upfront Costs? “Zero Down”?

  • Post author:Gene
  • Post published:January 15, 2025
  • Post category:Home Buying Tips/Mortgage Basics
  • Post comments:0 Comments

Borrowed and Zero Down Mortgages in Alberta, Canada Purchasing a home is one of the most significant financial decisions you’ll make, and saving for a down payment can often be…

Continue ReadingHomeownership Without the Upfront Costs? “Zero Down”?
FHSAs: Your Tax-Free Path to Homeownership
Image by Allange from Pixabay

FHSAs: Your Tax-Free Path to Homeownership

  • Post author:Gene
  • Post published:January 1, 2025
  • Post category:Financial Wellness/Home Buying Tips/Mortgage Basics
  • Post comments:0 Comments

Understanding the First Home Savings Account (FHSA) The First Home Savings Account (FHSA) is a registered savings plan introduced by the Canadian government to help first-time home buyers save for…

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Tax-Free FHSA Withdrawals: Doublespeak Translated
Image by Colin Behrens from Pixabay.

Tax-Free FHSA Withdrawals: Doublespeak Translated

  • Post author:Gene
  • Post published:December 20, 2024
  • Post category:Financial Wellness/Home Buying Tips/Mortgage Basics
  • Post comments:0 Comments

Image by Colin Behrens from Pixabay

Continue ReadingTax-Free FHSA Withdrawals: Doublespeak Translated
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Recent Posts

  • The Smith Maneuver
  • Credit Card Sweep Method
  • 30% of your Credit Score is How Much and When you Pay your Credit Card
  • Key Insights for Borrowers & Real Estate from Q4 Survey
  • Canada’s Fixed vs Variable Rates: 2025–2028 Outlook
  • Mortgage Rates and Trade Wars: What Canadians Need to Know Now
  • Illustration of insured vs uninsured mortgages showing stacks of coins around a house with symbols around it to signify calculations
    Insured vs Uninsured Mortgages: Costs Compared
  • Flex, Borrowed, Zero Down Mortgages
    Homeownership Without the Upfront Costs? “Zero Down”?
  • A regal cat wearing a crown and dollar sign necklace surrounded by Canadian banknotes, symbolizing financial success and wealth.
    FHSAs: Your Tax-Free Path to Homeownership
  • Pink ceramic piggy bank with cute eyes and smiling face symbolizing savings withdrawals for a First Home Savings Account (FHSA).
    Tax-Free FHSA Withdrawals: Doublespeak Translated
  • Illustration comparing amortization and term in mortgages with hourglasses and coins
    Choosing the Right Mortgage Renewal Term and Amortization
  • Illustration of two houses with upward-trending graphs comparing fixed-rate and variable-rate mortgage options in Canada
    Fixed or Variable Rate – “how do I choose?”
  • Illustration of urban housing with skyscrapers and percentage symbols, representing the impact of interest rate cuts on the housing market
    The Impact of Bank of Canada Rate Cuts on the Canadian Housing Market
  • Illustration of Alberta housing market trends with graphs and houses in a forested setting
    Alberta Housing Market Predictions for 2024 and Beyond
  • Colorful gauge illustrating credit score levels with financial icons surrounding it
    Factors Affecting Your Credit Score
  • Person studying a colorful mortgage glossary book with sticky notes on a desk
    Glossary of Mortgage Terms
  • Two women focused on the content on a laptop
    Resource Links
  • It's natural to look for the lowest mortgage rate when it's time to purchase or renew, but there are many other factors to consider. A mortgage broker can help you navigate the myriad of options and lingo.
    Understanding Mortgage Rates: More Than Just Numbers
  • Mortgage Broker vs Banker
  • Debit Credit machine in use
    Improve Your Credit Score: A Comprehensive Guide
  • Understanding Credit

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