The Bank of Canada has to lowered the qualifying rate for the first time in 3 years from 5.34 per cent to 5.19 per cent. Until now the Bank of Canada’s qualifying rate has been on a rise from 4.64 percent in September, 2016.


According to calculations by mortgage rate comparison site RateHub.ca, someone with an annual household income of $100,000 with a 20 per cent down payment and a five-year fixed mortgage of 2.70 per cent amortized over 25 years would have previously qualified for a mortgage...

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The federal governments plan to boost home ownership among middle-class families will start on September 2, 2019. The First Time Buyer Incentive will allow eligible first-time homebuyers who have the minimum down payment for an insured mortgage with Canada Mortgage and Housing Corporation (CMHC), Genworth or Canada Guaranty, to apply to finance a portion of their home purchase through a form of shared equity mortgage with the Government of Canada. Meanwhile, the Shared Equity Mortgage Provider Fund...

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Upgrading to smart home technology can be much easier than undertaking a significant home improvement project and may increase your selling price and entice the next generation of buyers to step inside with the potential to sell faster.


Smart Plugs



If you’ve plugged in a lamp, for instance, you can turn it on or off no matter where you are. And most smart plugs also offer some form of scheduling. If you simply want to turn your connected coffee machine on at the same time every weekday morning,...

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The Government of Canada has pledged to phase out coal-fired electricity by 2030, putting the future of communities with economies that rely on coal in question.


Saskatchewan’s provider of power plans to hit 50% renewable by 2030 and reduce greenhouse gas by 40% from 2005 levels. A release issued by SaskPower states that approximately 25% of the province’s generation capacity comes from renewable sources. It breaks down to 20% from hydro and 5% from wind. SaskPower estimates...

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