Introduction: Facing Separation and Financial Transition Divorce or separation is one of the most stressful life events a homeowner can face. Along with emotional challenges, there are complex financial decisions to make. One of the most significant is how to divide...
There is a growing demand for bad credit refinancing home loans as financial stressors continue rising in Canada. According to recent credit data, missed mortgage payments jumped by more than 20% in early 2024. If you’re a homeowner with bad credit, you may already be...
Falling behind on your property taxes in Canada can put your home at serious risk — in some provinces, municipalities can begin the tax sale process within a year or two of unpaid taxes. A property tax loan is one of the fastest ways to clear arrears, protect your...
Is it possible to get a HELOC with no income? While challenging, it is possible if you work with the right mortgage broker. Many Canadians believe getting a Home Equity Line of Credit (HELOC) without traditional income documentation is impossible. But if you’re...
Introduction: Facing a Lien on Your Home? If you’re a Canadian homeowner struggling with a CRA lien, you’re not alone. Thousands of Canadians find themselves blindsided by Revenue Canada registering a lien against their property due to unpaid taxes. Whether it's...
AI powered mortgages for bad credit are no longer just a concept—they're a real, growing solution for Canadians who don’t meet traditional lending criteria. While these technologies were once limited to A-lenders and prime borrowers, AI is now making serious inroads...
Every year, thousands of Canadian homeowners face the possibility of foreclosure or power of sale due to unexpected financial challenges. While Canada’s national mortgage arrears rate remains below 0.20%, that statistic doesn’t tell the full story for homeowners...
Being declined by TD Bank or any other major financial institution for a mortgage refinance or a home equity line of credit (HELOC) can feel like a setback—especially if you've been a loyal customer. Many homeowners are shocked when their refinancing application or...
Being denied by RBC (Royal Bank of Canada) can come as a shock—especially when you’ve built a strong relationship with the bank. Your mortgage, chequing account, and credit cards are all with them, so when it came time to refinance your mortgage or access a home...
Power of sale. Three words you never want to hear as a homeowner. Unfortunately, keeping up with your mortgage payment can be a very difficult task. Unexpected expenses like automotive repairs, sudden injuries, or changes in work circumstances can prevent borrowers...
Introduction: Facing Separation and Financial Transition Divorce or separation is one of the most stressful life events a homeowner can face. Along with emotional challenges, there are complex financial decisions to make. One of the most significant is how to divide...
There is a growing demand for bad credit refinancing home loans as financial stressors continue rising in Canada. According to recent credit data, missed mortgage payments jumped by more than 20% in early 2024. If you’re a homeowner with bad credit, you may already be...
Falling behind on your property taxes in Canada can put your home at serious risk — in some provinces, municipalities can begin the tax sale process within a year or two of unpaid taxes. A property tax loan is one of the fastest ways to clear arrears, protect your...