Debt and Refinance

Planning for retirement as a home owner? Learn how to review your mortgage, budget, debt, savings, and future housing plans.

Learn what can impact your credit positively or negatively, from payment history and balances to credit applications, debt, and report errors.

Learn how to choose the right property type for your budget by comparing homes, condos, townhouses, and income properties.

Learn how to determine what you can afford to spend on a house by reviewing income, debt, down payment, lifestyle, and full ownership costs.

Learn how gifted down payments and mortgage co-signers work, and which option may better support your mortgage application.

Take a mid-year financial check-in to review your goals, budget, debt, and savings so you can finish the year with more clarity and control.

Learn how to strengthen your credit profile for homeownership with practical steps to improve your score and qualify for better mortgage options.

Explore the savings products that can help you buy a home, from TFSAs and RRSPs to the First Home Savings Account and other smart options.

Got an appraisal that came in too low? Learn your options, from renegotiating to covering the gap, and how to move forward with confidence.

Learn what debt consolidation does, how it simplifies payments, lowers interest, and helps you manage debt more effectively.