I would strongly recommend that when considering a variable rate mortgage or fixed-rate mortgage, you first need to assess your risk tolerance and understand your capacity. What is your tipping point if the BoC is on a rate-increasing trajectory?

The spring market in Alberta is picking up, but, where I’m spending most of my time isn’t with purchases, but with refinances.

I want to address a common question: what should you do with a windfall of cash? Clients often ask me whether it’s better to use these funds to pay down, or to pay off their mortgage, or keep them as liquid assets. Based on my years of experience, I believe in building financial resilience. If you’ve followed me for a while, you know I advocate for bulletproofing your life to better absorb shocks to your personal situation.

Having worked in the financial service industry for 39 years, I thought I had seen most things. However, this year I was surprised when I came across a client file that had a post-nuptial agreement.

I recently worked with a client who bought their first home five years ago, to free up $2,000 in cash flow by restructuring their mortgage.

I recently worked with a client where we were able to reduce their mortgage payment by $1,000 by opening up their cash flow.

Bridge financing is a short-term loan secured by your current property that allows you to make a down payment on your new home.

Transferring or switching your mortgage can also be a great option for those who want to save money on their monthly payments.

Many seniors are feeling unprepared for their retirement. A potential option for yours, if you own your home, is a reverse mortgage.

Home equity is often discussed as “free money.” It’s not that simple. Homeowners work hard for equity, and they should be able to keep it.

I'm sharing a few of my money tips for understanding and managing your money this Financial Literacy Month.

Mortgage brokers have the ability to shop around different mortgage lenders versus a bank, which can only work with the bank’s products.

A HELOC is a secured line of credit, or what I call a collateral mortgage since your home is being used as the collateral for the credit.