Real Estate

What it’s like to be a first-time home buyer in Ontario—for real

Getting your foot on the property ladder in Ontario is not easy thanks to soaring real estate prices. But...

Mortgages

Now’s not the time to switch to a fixed-rate mortgage

As interest rates climb, variable mortgage rate holders may start to panic. Here’s why you should avoid the temptation...

Mortgages

Watch: What Is the First-Time Home Buyer Incentive?

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Taxes

How to save on capital gains tax when selling a rental property

A reader wonders if he should buy his parents’ rental property or wait to inherit it, based on the...

Debt

Will credit card debt affect my mortgage application?

Having debt isn’t necessarily a problem. But the size of your debt and your history of repayment could affect...

Taxes

Capital gains when selling property to family

If you sell a property to a relative for a bargain price, does that mean you pay less tax...

Mortgages

Why the mortgage stress test isn’t the villain it was made out to be

The mortgage qualifying tool has been subject to plenty of criticism. However, with rising interest rates, it may be...

Mortgages

Watch: Does debt impact your mortgage application?

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Ask a Planner

Capital gains on subdivided land, and HST on vacant land

For property that you can subdivide, you can sell some of the land and build a house on the...