Mortgage Tips & Expert Advice

Financial Advice

FHSA vs RRSP: Which Should First-Time Homebuyers Prioritize in 2026?

Canadian first-time homebuyers now have access to two powerful tax-advantaged accounts to build their down payment: the First Home Savings Account (FHSA) and the RRSP...

V

voytekj

Mar 4

First Time Buyers

How to Buy a Home in Canada With Zero Down Payment Out of Pocket

Think you need years of savings for a down payment? Government programs like London's $25,000 grant can cover your entire 5% down. Here's how Canadians are buying homes with $0 out of pocket.

Monika Tarnik-Jedrusiak

Mar 2

First Time Buyers

Getting Pre-Approved for a Mortgage in Alberta: 2026 Step-by-Step Guide

Exactly what an Alberta mortgage pre-approval involves in 2026 — documents needed, how long it takes, what gets you declined, and the difference between pre-qualification and a real rate hold.

Voytek Jedrusiak

Feb 27

First Time Buyers

5 Smart Ways to Use Your Cash Back Mortgage Funds

Make the most of your cash back mortgage by putting the money where it creates the highest return. Here are the 5 best uses — and the ones that destroy value.

Monika Tarnik-Jedrusiak

Feb 25

First Time Buyers

BC First-Time Home Buyer Programs: The Complete 2026 Guide

Every program a first-time buyer in British Columbia can stack in 2026 — PTT exemption, FHSA, RRSP HBP, BC Home Owner Grant, and the new federal cap.

Voytek Jedrusiak

Feb 13

First Time Buyers

Down Payment in Alberta: How Much Do You Really Need?

Complete guide to down payment requirements in Alberta, including FHSA, gifted funds, and strategies for first-time buyers in Calgary and Edmonton.

Monika Tarnik-Jedrusiak

Feb 6

First Time Buyers

First-Time Home Buyer Edmonton: Complete Guide to Buying in Alberta’s Capital

Your comprehensive guide to purchasing your first home in Edmonton, including neighborhoods, incentives, and mortgage strategies.

Voytek Jedrusiak

Dec 27

First Time Buyers

First-Time Home Buyer in Calgary: Your Complete 2025 Guide

Everything Calgary first-time buyers need to know about mortgages, incentives, and navigating the local housing market.

Monika Tarnik-Jedrusiak

Dec 24

First Time Buyers

Down Payment Strategies for Ontario Home Buyers

Explore proven strategies for saving your down payment in Ontario's expensive market. Learn about FHSA, RRSP, gifted funds, and creative approaches.

Voytek Jedrusiak

Dec 20