News, Tips & Advice

Millennial Market

Can you guess how many baby boomers are in Canada? Does 3.2 million sound about right? Times that by 3 and now we’re talking… There are 9.6 million boomers, all with children of their own and the two generations making up over half the total...

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2016 TAX SEASON

Filing taxes is going to be a bit different this year, as certain terms have changed under new Government. I'd like to offer a simplified bullet points of new conditions to help you when crunching numbers this tax season. Income Splitting: Stephen Harper’s income splitting is...

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Gifting a Home

Passing down your family home to your children can keep the memories throughout generations alive. If the children can afford to purchase the home, it can be a great opportunity for the parents to take the proceeds of the sale and put them towards downsizing. If you are thinking...

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Charlene’s Retirement

After 6 influential years at Quantus, our Office Manager, Charlene Varze, is retiring. We are so thankful for all of her hard work and dedication to us and we will miss her very much! Thanks for everything Charlene Varze! See pictures here!...

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The Insurance Process

There are many different kinds of insurance. The amount of options can be overwhelming and confusing if you’re unsure of what you’re looking for. Figuring out what kind and how much insurance you need can be a complicated task. The basics for figuring this out...

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Fixed vs. Variable Rate

The following are some things you will want to consider when evaluating your options between fixed and variable rate mortgage products.   Can you afford to take a variable rate mortgage? There is some risk associated with a variable rate mortgage; you need to assess your ability to...

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Line of Credit

A Home Equity Line of Credit (HELOC) provides instantly available funds that can be spent any way you like (RESP or RRSP contributions, renovations, vacation, cottage, investment properties etc.). The HELOC is secured against your property, so the interest rate is much lower than an unsecured...

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RRSP Homebuyers’ Plan

Tax savings aren’t the only reason to invest in an RRSP. With the Federal government’s Home Buyers’ Plan (HBP), first-time homebuyers have the opportunity to put that tax-free cash towards a new home.Each individual involved in the purchase of the home may withdraw a maximum of...

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Time for Renewal?

Don’t sign that mortgage offer from your existing bank! Studies show that over 70% of Canadians will renew their mortgage with their existing lending institution without negotiating rate or terms. This is not the wisest strategy as they could be missing out on HUGE savings.   It...

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Purchase Plus Improvement

If you have your eye on a fixer-upper, or are thinking about building your dream home, financing your endeavours may be easier than you think.   “Renovation Mortgages” allow homeowners to renovate a newly-purchased or refinanced home, or build a new one, and roll the cost of...

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