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Penalty on breaking a Fixed-Rate Mortgage: The Costly Truth
Thinking of breaking your fixed-rate mortgage? It could cost you tens of thousands in penalties—especially if you're with a big bank. Learn
Neil Joseph
Apr 56 min read
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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.
Neil Joseph
Oct 4, 20244 min read
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Mastering Tenant Selection: Expert Tips from An Experienced Investor
Success in real estate begins with strategic tenant selection and so here are 7 tips based on years of hands-on experience in real estate.
Neil Joseph
Jul 22, 20242 min read
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Investing in Real Estate: Financial Measures and Ratios
Assessing the performance of real estate through various financial ratios and measures is crucial to successful real estate investing.
Neil Joseph
Jul 22, 20244 min read
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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.
Neil Joseph
Jul 22, 20243 min read
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The Real Estate Investor's Dilemma: Cash Flow vs. Appreciation
Cash flow offers a steady income stream, while appreciation promises the significant wealth accumulation but can you achieve both?
Neil Joseph
Jul 22, 20245 min read
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Avoiding Buyer's Remorse: 10 Tips for Budding Real Estate Investors
We've compiled a list of best practices that real estate investors can adopt to avoid buyer's remorse after making their first purchase.
Neil Joseph
Jul 22, 20244 min read
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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.
Neil Joseph
Jul 22, 20244 min read
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0 comments


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.
Neil Joseph
Jul 17, 20242 min read
7 views
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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.
Neil Joseph
Apr 5, 20243 min read
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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.
Neil Joseph
Mar 29, 20243 min read
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Understanding the Financial Impact: Is Your Home an Asset or a Liability?
The question of whether a home is an Asset, or a Liability has long been debated. However, the answer is not always either or!
Neil Joseph
Mar 16, 20247 min read
35 views
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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.
Neil Joseph
Mar 16, 20243 min read
41 views
1 comment


The Pros and Cons of Buying a Fully Renovated Home vs. a Fixer Upper
Purchasing a fully renovated property or a fixer upper can be a dilemma for many homebuyers. Do you know the pros and cons?
Neil Joseph
Mar 16, 20243 min read
9 views
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Navigating Your Mortgage Renewal: Best Practices for Homeowners
Mortgage Renewal is an opportunity to restructure your mortgage without penalty but also has potential long term financial implications.
Neil Joseph
Mar 5, 20242 min read
13 views
0 comments


Timing the Market: Stick with Variable Rate or Switch to Fixed Rate?
Should you continue to stick with Variable Rate in a hopes of a rate cut in near future or Switch to Fixed Rate?
Neil Joseph
Mar 5, 20242 min read
21 views
0 comments


Navigating Mortgage Renewal: A Roadmap to Financial Prudence
A mortgage nearing maturity or renewal has long been regarded as a routine financial checkpoint but it could be different this time around.
Neil Joseph
Sep 5, 20234 min read
12 views
0 comments


Should you panic if thousands of pre-construction units are closing in 2023?
Panic not! Explore your options if you're a pre-construction unit buyer in 2023. Learn how to navigate the situation without panicking.
Neil Joseph
Jan 20, 20235 min read
16 views
0 comments


Your Mortgage Playbook for 2022-23
Discover actionable steps for expertly managing your mortgage decisions in this playbook for 2022-23.
Neil Joseph
Oct 20, 20227 min read
35 views
0 comments


Worried about upcoming Mortgage Renewal?
Tips to deal with an upcoming mortgage renewal
Neil Joseph
Jun 16, 20224 min read
7 views
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