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  • Options to purchase retirement home once primary residence paid off

    My mortgage is almost at end on primary residence and I would like to know if it would be advantageous to purchase retirement home now ? Here are some of the reasons I think it may be a good idea. 1) Getting into the market now rather than at retirement would theoretically save $$ (although would ha...

    • jblade44
    • Apr 24th, 2018 3:54 pm
    • Forum: Real Estate

  • Save Or Pay Off Debt

    ... has been asked before, i am really not sure which way to go so any suggestions will be much appreciated Should i Save or Should i aggressively pay off my debt? Here's my situation. I have 12,000 $ debt with 11% interest rate. My min payment is around 200 $ but i am paying $600 every-month because ...

    • Rio1789
    • Apr 20th, 2018 5:04 pm
    • Forum: Personal Finance

  • Equifax and Transunion score off by 90 points?

    I got these scores through Borrowell and CreditKarma I understand there's going to be a difference in scores as each bureau has their own way of calculating things but they should still be within 20-30 points of each other no? My CreditKarma is showing 860 whereas Borrowell is showing 770. They both...

    • BaconBro
    • Mar 11th, 2018 1:27 pm
    • Forum: Personal Finance

  • Pay off the mortgage (2.45%) and HELOC (3.95%), or use non-registered margin (2.28%)?

    ... and have a $484K balance owing. We could take out a mortgage, but we could use a combination of non-registered, cash and TFSA to paid it off in full completely. We were then thinking of doing a "semi-Smith Manoeuvre" to re-fund the non-registered accounts using a HELOC (at 3.95% from ...

    • crysim
    • Mar 9th, 2018 2:34 pm
    • Forum: Personal Finance

  • Why are you not supposed to pay off tax deductable income?

    Can someone tell me why I've been told and read several times that that you shouldn't pay off a rental property's as fast as possible? I don't understand the logic behind this. I understand that the interest is tax deductible but from my point of view it doesn't make ...

    • colossk1
    • Feb 19th, 2018 8:07 am
    • Forum: Personal Finance

  • Mortgage lender forcing me to pay off car financing loan

    ... house for $500k. My gross proft will be $140k. Household income is $130k. I applied for a mortgage and are looking to buy a property for $615k...offer has been given. We got approved for mortgage at 2.9% interest rate but the lender is requiring me to pay off car loan from BMW (40k) and few credit ...

    • tekkspekk29
    • Feb 13th, 2018 8:38 pm
    • Forum: Real Estate

  • Mortgage broker advising me to NOT pay off credit cards?

    ... $500k. I originally bought it for 380k and have a mortgage balance of 355k remaining. I am expecting $145k gross profit (including amount I paid off over the year) before realtor fees, taxes, lawyer fee, movig costs and other costs. I will apply for a bigger mortgage now as my salary has significantly ...

  • Remove delinquencies off CR

    ... that I can either use towards making material purchases (lol) or the smarter option.. to pat towards my cards. I can pay one of them completely off and ve left with only 1 to pay down. I just checked my score it's about 575. Those 60 and 90 day late payments must have really killed it. Am I ...

    • Canuck2017
    • Jan 16th, 2018 11:28 pm
    • Forum: Personal Finance

  • TD offered me 2.99% 5 year fixed for paying off 15% of Mortgage and moving to HELOC, good rate?

    So I do this every year, I use my HELOC to pay down 15% of my mortgage and then I fix it to 5 years on my HELOC at a rate that has usually been lower than my mortgage rate. Anyhow this year they said they could only do 3.29% and I pushed back and hey are doing 2.99% now, it’s the same rate from the ...

    • Rockstead
    • Jan 9th, 2018 12:20 pm
    • Forum: Real Estate

  • Selling condo before mortgage paid off

    Am i able to sell my condo before my mortgage is paid off if i decide to rent instead of buy something else?

    • Latebuyer
    • Nov 17th, 2017 11:57 pm
    • Forum: Real Estate

  • Put down 40%-50% downpayment or hold off and rent?

    So im in my mid 20's. Will be staying in Toronto long term. Parents have put 150-200k specifically aside to buy a condo downtown toronto. Im going back to school for my masters which will take 2 more years (but ill still stay in Toronto after i finish my degree) We're thinking of either a) Buy a con...

  • Paying off property in 6 years

    I have a property that is rented out but I currently don't have a home.If I am able to pay off the property in 6 years, do you recommend against this or for it and what's the reasoning?Thanks

  • Paying Off Mortgage

    Just wondering, if we wanted to have our mortgage paid off at the time of renewal, how would this go? We normally call in to make additional lump payments so would I just call in and tell them I want to make sure it's paid off just before renewal to ...

  • Advice for current credit situation... (charge off help, eek!)

    ... amount I didn't agree with, struggled to keep it at bay while disputing the amount, and eventually at $670 they told me they were going to cut me off for good until I paid the full balance. So I quit rogers, and switched to bell. The balance was immediately sent to collections, who called me and ...

    • FolkGuy
    • Oct 10th, 2017 9:33 pm
    • Forum: Personal Finance

  • Income Tax Question: Writing off Seminars?

    Hi everyone, I have an income tax question about writing off expenses related to attending seminars. Little bit of a backgrounder, I’m currently in the beverage industry and I’ll often attend seminars on a myriad of topics related to my field outside ...

    • E-DuB
    • Oct 4th, 2017 1:54 pm
    • Forum: Personal Finance

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