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“If we don’t buy our first house while mortgage rates are so low, will we ever be able to afford one? Is it worth postponing our wedding if it means we can get a house now?”

First-time Buying

Now might be the time for first-time buyers to consider home ownership. And that could mean changing short-term plans to invest savings in a home.

Right now, home ownership could be a more realistic possibility for people looking to buy a first home. Take advantage of the rates and the lower stress test presently available.

Upsizing

Starting a family is a special time, and it often coincides with moving to a more suitable property.

But reduced income as a result of parental leave means there is a lot to consider.

Make the most of low interest rates and get expert help to upsize to a new home, consolidate debt or put money aside for parental leave.

“Our first baby is on the way and there isn’t much room in our condo. We’d love to move out of the city and be closer to our parents. Can we afford to buy a bigger home now, and is it a good time to sell?”

“The pandemic has opened our eyes to how financially vulnerable we are. We’re worried about not being able to pay our bills if another wave hits. How will we save for the kids’ education and for our retirement?”

Refinancing

Reduced work hours as a result of COVID-19 has put extra pressure on many Canadian homeowners, with some now living pay cheque to pay cheque.

With retirement not as far away as it used to be, and children approaching college age, there are a lot of reasons you may want to get a handle on your debt and create a more stable financial future.

Ease the burden of debt and free up cash by refinancing your mortgage. An improved cash flow could also allow you to put money aside for savings and emergencies.

Retirement Planning

The COVID-19 pandemic has given Canadian seniors even more reason to consider their options for tapping into the equity in their homes.

Whether you want to supplement your retirement, renovate your home, or help out the kids – accessing equity from your property could give you the financial flexibility you want.

Relieve your financial concerns now and for the duration of your retirement years, with a reverse mortgage or a home equity loan.

“Our investments have suffered and we’re a little worried about our finances. We want to know what options we have to be able to enjoy our retirement years in the home we love.”

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