The Spire Journal
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How Late Can Banks Send Mortgage Instructions to Lawyers?
How late is too late for a lawyer to get mortgage instructions? Learn more about mortgage instructions, including what can happen if instructions are late.
How to Switch from a Variable Mortgage to a Fixed Mortgage
How do you switch from a variable rate mortgage to a fixed rate? And should you switch? Learn why and how to change your variable rate mortgage to a fixed rate.
Demystifying the Central Bank's Interest Rate Policy
What is the bank of Canada’s Overnight Lending Rate, how does it work, and what does that mean to my Mortgage Rate?
What Is a B Lender Mortgage?
What is a B-lender mortgage vs an A-lender mortgage? Learn what a B lender mortgage is, including differences in credit score, down payment, and more.
What to Bring to Your Mortgage Broker
What should you bring to your mortgage broker? There are a number of documents you’ll need ready to be pre-approved for a mortgage as quickly as possible.
Can You Get a Mortgage with a Consumer Proposal?
Is it possible to get a mortgage if you have a consumer proposal? Learn the requirements of getting a mortgage during and after a consumer proposal.
Can I Get a Mortgage on Maternity Leave?
Can you get a mortgage on maternity leave? Yes, but there are certain restrictions and criteria that you need to consider.
Do Student Loans Affect Your Mortgage in Canada?
Can you get a mortgage with student loan debt? You can get a mortgage with student loan debt, depending on your income and student loan amount.
The Foreign Buyer Ban Canada
The Canada foreign buyer ban started in 2023. Learn more about the foreign buyer ban, including amendments and exemptions.
Renovating Your Home: Tips for Maximizing Your Investment
5 tips to get the most out of your home renovations
100 Ways to Save Money for a Down Payment on your First Home
Saving for a down payment on a home in Canada can be challenging, but by cutting back on your monthly expenses, you can reach your goals faster. Here are 100 ideas for reducing your monthly expenses and saving for a down payment on a home.
5 Reasons to use a Home Equity Loan in Canada
Home equity loans are a popular financing option for Canadians who need access to additional funds. Home equity loans allow you to borrow against the equity you've built up in your home. Here are the top 5 reasons Canadians get home equity loans.
Should I Buy a House before I Buy a Car?
5 reasons you should purchase a house before you purchase a car in Canada
How to get the lowest Mortgage Rates in Canada
he interest rate on your mortgage will significantly impact your monthly payments and the total amount you will pay over the life of the loan. Here are 7 ways to get the lowest interest rate in Canada.
7 Tips for buying a home in a Market with Low Inventory!
Purchasing a home in Canada can be a challenging experience, and it can be even more challenging when real estate inventory is low. With fewer homes for sale, buyers face greater competition, higher prices, and more difficulty finding the right home.
What programs are available for First Time Home Buyers?
Purchasing your first home can be a daunting task, but fortunately, there are many first-time home buyer programs in Canada that can help make the process easier and more affordable. These programs offer a variety of benefits, such as financial assistance, tax credits, and low-interest loans. In this blog post, we will outline all of the first-time home buyer programs in Canada.
Why you shouldn’t be a landlord in Alberta
Being a landlord in Alberta can be a rewarding and profitable experience. But, as a landlord, it's important to be aware of the associated risks and take steps to minimize them.
How can I pull Equity out of my house?
Pulling equity out of your home can be a good way to access funds for home improvements, debt consolidation, or other financial needs.