Neil Joseph
Big News for First-Time Homebuyers: 30-Year Amortization for Insured Mortgages is Here!
30-year amortizations for first-time buyers are here! See how this change impacts affordability and your path to homeownership.
top of page
Search
Neil Joseph
Oct 153 min read
Federal Government Says “Let’s Make It Rain” with New $1.5 Million Insured Mortgage Limit!
The insured mortgage limit is now $1.5 Million! Find out how this impacts first-time buyers and what it takes to qualify.
1 view0 comments
Neil Joseph
Oct 44 min read
Advanced Techniques: Supercharging Your Mortgage Pay Down
Advanced techniques associated with Loan Conversion can further accelerate your mortgage pay down and grow your investment portfolio faster.
4 views0 comments
Neil Joseph
Oct 43 min read
Insurance Essentials: What You Need to Know
Various types of insurance come into play when you buy a home, each serving a distinct role in safeguarding both property and your finances.
1 view0 comments
Neil Joseph
Jul 224 min read
Buying Your Dream Home: 10 Essential Steps to Homeownership
Buying your home requires careful planning and preparation. Learn about the 10 essential steps to homeownership to make your journey smooth
4 views0 comments
Neil Joseph
Jul 226 min read
Navigating Homeownership: Are you New to Canada?
People who are New to Canada may face some unique hurdles while buying a home. This blog offers a pathway to navigating this journey.
4 views0 comments
Neil Joseph
Jul 223 min read
Avoiding Financial Turbulence: A Guide to Cash Flow Management and Budgeting
In today's economic climate, it is even more important to manage cash flow and budget effectively for both individuals and families alike.
5 views0 comments
Neil Joseph
Jul 223 min read
Avoiding Buyer's Remorse: 10 Tips for Homebuyers
Many homebuyers find themselves facing buyer's remorse after buying their home. First time home buyers can follow 10 tips to stay safe.
0 views0 comments
Neil Joseph
Jul 223 min read
Buying a Home after Consumer Proposal or Bankruptcy
Past Bankruptcy or Consumer Proposal can make navigating the journey to homeownership even more difficult. Learn about steps you can take.
3 views0 comments
Neil Joseph
Jul 222 min read
Every Penny Counts: How FHSA Can Transform Your Path to Homeownership
First Home Savings Account (FHSA) offers a host of benefits designed to make saving for your first home more accessible and rewarding.
0 views0 comments
Neil Joseph
Jul 224 min read
Navigating the Mortgage Maze: Tips for the Self-Employed
Being self-employed can bring numerous advantages, but it also presents unique financial challenges like with qualifying for a mortgage.
5 views0 comments
Neil Joseph
Jul 172 min read
Buying a Property: HST Rebates for New Homes
Rebates are available from Federal and Ontario governments to reduce the burden of 13% HST when purchasing a new property from the builder.
4 views0 comments
Neil Joseph
Apr 83 min read
Exploring Downpayment Assistance programs for Homebuyers
Young Canadians desire homeownership but struggle with down payment savings. Downpayment assistance programs can make a difference!
14 views0 comments
Neil Joseph
Apr 53 min read
Diverse Landscape of Mortgage lenders and Financing Options
There is a diverse landscape of mortgage lenders in Canada with diverse offerings and tailored solutions to meet the needs of homeowners.
6 views0 comments
Neil Joseph
Mar 293 min read
Empowering Self-Employed borrowers: Maximum Mortgage at Minimum Income Tax
By leveraging bank statements instead of personal income tax returns, self -employed can get the maximum mortgage with minimum income tax.
8 views0 comments
Neil Joseph
Mar 173 min read
Understanding the Opportunity Cost of Homeownership
While homeownership comes with different advantages, it's crucial to grasp opportunity costs inherent in this decision and balance tradeoffs
11 views0 comments
Neil Joseph
Mar 163 min read
Untangling the Debate: Is Your Home an Asset, a Liability, or Both?
The question of whether a home is an Asset, or a Liability has long been debated. However, the answer is not always either or!
19 views0 comments
Neil Joseph
Mar 163 min read
Transform Your Mortgage into a Wealth-Building Tool
Loan Conversion leverages the tax-deductibility of investment loans to accelerate payoff of mortgage while building wealth at the same time.
40 views1 comment
Neil Joseph
Mar 163 min read
Hidden Costs: Uncover the True Cost of your Mortgage
Canadians cannot claim tax deductions on interest paid on their home. This means that every dollar of mortgage interest is after-tax dollar.
20 views0 comments
Neil Joseph
Mar 163 min read
Navigating the Home Buying Process: Determine the Right Offer Price
Buying a home is a significant milestone in anyone's life but it's also a process fraught with decisions, particularly the offer price.
9 views0 comments
bottom of page