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Tim Lacroix blog - Financial Spring Cleaning (1)

A Guide To Organizing Your Finances

Have you thought about Financial Spring Cleaning? Take a minute to go through this guide and get your finances set up for the year. This guide is also great for any young adults just starting out on their own who need a hand…

Understanding your credit score

Understanding Your Credit Score

One of the most important aspects of your financial well being is your credit. In order to make any major purchases in your lifetime, such as a home, you will need to have a good credit history…

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On March 17, Mortgage Insurance Premiums Will Increase

Mortgage Insurance is designed as a safe guard for your mortgage in the event that you cannot make your payment. If you cannot provide a 20% down payment…

Tim Lacroix - RRSP

RRSP: Registered Retirement Savings Plan Season Is Here!

We are half was into the first 60 days of the year and it’s time to think about contributing to your RRSP. You have until March 1st, 2017 to reduce your 2016 income and get a higher tax refund…


How To Get A Mortgage While Being Self-Employed in Canada

Being self-employed should not be a barrier to getting a mortgage. With mortgage rules being tightened at banks the last few years, getting a mortgage is a lot harder- especially self-employed mortgages…


How to Purchase a Home – from Mortgage to Possession

There are many steps involved in purchasing a home, which makes it a daunting experience. Whether you are purchasing your first home or you haven’t purchased a home in long while, you might be wondering where to start. This is why we have developed a step-by-step guide on how to purchase a home…


Calgary’s First-Time Home Buyers Need to Rethink their Strategy

First-time home buyers in Canada have been forced to rethink their plans with the new mortgage rules in place. With the new rules, it’s more difficult to qualify for a mortgage and get the home you want, which is why you need an experienced mortgage broker now more than ever. First-time buyers are heavily affected…


How Will the New Mortgage Rules Affect You?

It’s been about 2 months since the Department of Finance (DOF) announced some mortgage rule changes. Some of the rule changes I would agree as being prudent, but others just seem unnecessary in my view. I’m concerned for young families who may now have a harder time achieving their dream of home ownership. This is not a short…


Bank of Canada Leaves Key Interest Rate at 0.5 percent

Announced last week, the Bank of Canada (BoC) decided to leave its benchmark interest rate at 0.5% and according to economists, this is no surprise. Between the years of 1990 to 2015, the Canadian interest rate has fluctuated in the following way: Average Interest Rate between 1990-2015 5.98% Record High Interest Rate – February 1991 … Continue reading Bank of Canada Leaves Key Interest Rate at 0.5 percent


The Bank Of Canada Rate Drop

What Does It Really Mean? The economy is a bit crazy right now. The oil prices and shift in leadership has created an atmosphere of concern and uncertainty. People are differing key financial decisions in lieu of the unknown. I believe that with access to the right resources and knowledge comes a great deal of … Continue reading The Bank Of Canada Rate Drop


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