Neil Joseph
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
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Neil Joseph
- Jul 22
- 3 min
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.
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Neil Joseph
- Jul 22
- 3 min
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.
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Neil Joseph
- Jul 22
- 3 min
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.
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Neil Joseph
- Jul 22
- 2 min
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.
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Neil Joseph
- Jul 22
- 4 min
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.
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Neil Joseph
- Jul 17
- 2 min
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.
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Neil Joseph
- Apr 8
- 3 min
Exploring Downpayment Assistance programs for Homebuyers
Young Canadians desire homeownership but struggle with down payment savings. Downpayment assistance programs can make a difference!
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Neil Joseph
- Mar 29
- 3 min
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.
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Neil Joseph
- Mar 18
- 3 min
Downsizing Dilemma: Investing in a Bigger Down Payment or Diversifying Proceeds?
Once you've decided to downsize, the question of what to do with the purchase arises. No Mortgage, Small Mortgage or Invest proceeds?
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Neil Joseph
- Mar 17
- 3 min
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
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Neil Joseph
- Mar 16
- 4 min
10 Signs You have Too Much House
It's fine line between Homeownership and finding oneself caught in a nightmare of overextension. Having Too Much Home can be Real.
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Neil Joseph
- Mar 16
- 3 min
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!
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Neil Joseph
- Mar 16
- 3 min
Smith Manoeuvre Transforms Your Mortgage into a Wealth-Building Tool
Smith Manoeuvre leverages the tax-deductibility of investment loans to accelerate payoff of mortgage while building wealth at the same time.
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Neil Joseph
- Mar 16
- 3 min
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.
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Neil Joseph
- Mar 16
- 2 min
Navigating Bidding War When Buying a Home
Home Buyers often find themselves caught in bidding wars wherein multiple buyers compete for the same property, driving up the prices.
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Neil Joseph
- Mar 16
- 3 min
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?
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Neil Joseph
- Mar 16
- 5 min
Pros and Cons: Choosing Between New Construction Home and Rent-to-Own
Many buyers of 'New Construction' are not aware of the 'Rent-to-own' option for their home. This is a compelling option to be considered.
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Neil Joseph
- Mar 16
- 3 min
Navigating the Home-buying Decision: Resale Home vs. New Construction
Are you at the grappling to decide between buying a resale home or opting for a new construction from a builder?
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Neil Joseph
- Feb 28
- 3 min
House Hacking: Is this the way to Affordable Homeownership?
In today’s era where homeownership seems like an unattainable dream for many Canadians, the concept of "house hacking" is a beacon of hope.
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