HELOC or fixed? Why the payoff clock matters more
Consolidating debt while rates are moving: why the payoff clock matters more than fixed vs. HELOC If you’re consolidating debt into your home this fall, someone has probably…
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Debt consolidation in 2026: does it actually save you money?
Every few weeks I get a version of the same question: “Should I roll my credit cards and line of credit into my mortgage?” It’s a fair question,…
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Renewing vs. Refinancing: How a Smart Refinance Can Save Over $50,000 in 5 Years — Even With a Higher Mortgage Rate
When your mortgage comes up for renewal, it’s easy to sign the lender’s offer—especially when it includes a lower rate than before. But if you’re carrying high-interest debt,…
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Refinancing Your Mortgage: When Does It Actually Make Sense?
With interest rates on the move and many homeowners feeling the pinch, refinancing your mortgage can be an innovative financial tool—but only if the timing is right. Here’s…
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Top five reasons to refinance
For many Canadians, their home is a terrific repository of wealth. Home equity can build nicely by chipping away at payments and through increasing home values. Accessing home…
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Debt consolidation can offer big relief
If your debt is piling up – credit cards, store cards, car and loan payments– then the interest that you’re paying could be standing in the way of…
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