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Yes, generally speaking, parents can gift you all or part of your downpayment towards your purchase. In order to satisfy lender conditions for accepting gifted…
BANK OF CANADA LEAVES RATES UNCHANGED BUT HINTS INCREASES COMING As expected, the Bank of Canada held rates steady at 1.25% for the third consecutive month but said that first-quarter growth was stronger than expected and that developments since April suggest that...read more
WHAT IS THE INTEREST RATE DIFFERENTIAL (IRD) PENALTY? If you choose a fixed mortgage term and need to pay out or refinance during your term you will be faced with an interest rate differential (IRD) penalty. A mortgage is a contract and if you break your obligations,...read more
REFINANCING YOUR MORTGAGE IN 2018 Changes to the Mortgage Qualification rules have been very dynamic in the past decade. In an effort to curb runaway real estate prices, Governments at all levels have been making changes. For a full breakdown of all the mortgage...read more