Jordann Kaye

Canadians are migrating. Where once they moved steadily from smaller towns to large urban centres like Toronto or Vancouver, now the trend has reversed. For the first time, Canadians are moving to smaller cities and towns in the highest numbers seen since 2001.
While this is true on a provincial level, Canada-wide, people are also moving from some of the densest places, like Ontario and British Columbia, to other provinces, namely Alberta. In the last quarter of 2021, Alberta led the country ...

Buying a home is full of many exciting and pivotal decisions. For instance, you’ll need to decide which house is right for you, how much you can afford to spend, what city to live in, and where to get your mortgage. Once you have a signed offer and are under contract for your home, you must finalize your mortgage. You probably know that you should shop around for the best mortgage rate, but do you know what mortgage term is best for you?
For many years, a five-year fixed-rate mortgage term wa...

Being mortgage free is a significant financial milestone for many homeowners. While some people prefer to make their monthly mortgage payments and direct their extra money toward investments, others dream of paying off their mortgage early and living in their home mortgage free.
That said, deciding to pay off your mortgage early isn’t straightforward. You’ll need to consider factors like interest rates, risk tolerance, financial goals, and personal circumstances.
If you’ve been considering be...

Summer has arrived in Ontario, and with it, higher temperatures. These days, it’s not uncommon to experience heat waves that can last weeks, meaning the only way to stay comfortable is to stay inside or head to the beach. Fortunately, we’ve surveyed Ontarians to find the best swimming lakes in Ontario. These spots will cool you off and provide some of the best views in Ontario!
To help you plan your summer bucket list, we’ve compiled a comprehensive list of the best swimming holes and lakes y...

Swimming is always a fun activity, especially when you bring your kids. Swimming enables the entire family to beat the summer heat and bond together on some of the best beaches on the East Coast.
With the number of beaches available to East Coast residents, narrowing your summer beach bucket list can be challenging. Do you stick with a known watering hole? Or venture out and try a new spot?
If you’re planning a day at the lake or beach, start by examining this list of best beaches on the East...

Things happen, and sometimes, even our best-laid plans go sideways. Canadians have faced this hard fact recently as they face rising interest rates. Mortgage rates in Canada have been on the rise, and with them, mortgage payments. Some Canadians are currently paying up to $1,400 more monthly for their mortgage.
This jump happened because the Bank of Canada (BOC) started raising interest rates to combat inflation, and the impact spread to mortgage rates. Canadians with variable interest rates ...

Looking to buy a car? Rent an apartment? Buy a home? Then, you need to understand what your credit history is and, if necessary, how to improve your credit score.
What is a Credit Score?
A credit score is a three-digit number that tells lenders how risky it is to lend you money and is based on how you have managed credit and debt in the past. Your credit score is a key factor that institutions use to qualify you for loans in Canada, like lines of credit and mortgages.
Other professionals, lik...

If you’re considering buying a home in the near future, there is one critical question you should ask yourself. Before considering what type of home you’d like or what neighbourhood you’d like to live in, ask yourself: how much mortgage can I afford?
There are several rules of thumb that Canadians have used to determine how much you should be spending:
Don’t spend more than 30% of your income on housing costs
Your mortgage shouldn’t be more than 2.5 times your gross income
Don’t spend more th...

Running your own business is challenging even on the best days — and that challenge only grows once you hire your first employee. As soon as they're hired, you need to understand payroll: the process that allows a business to pay its employees on a consistent schedule. Although large businesses have accounting or human resources departments to manage payroll, most small business owners handle payroll themselves.

What better way to daydream about homes than to build them in The Sims 4? We’ve picked three homes in Canada’s most popular cities – Toronto, Vancouver, and Calgary, and rebuilt them as The Sims 4 houses!
Buying a home is a big deal – it’s one of the biggest decisions you’ll make in your lifetime, and with home prices still sky-high in Canada, it’s probably also one of the most expensive decisions you’ll make.
According to the Canadian Real Estate Association, The average price for a home in ...

Homebuying in movies is usually portrayed in the following scenario: young homebuyers find a home they love, contact a real estate agent, and make an offer. The offer is miraculously accepted without negotiation, and they begin their life as new homeowners. But, if you’re wondering how to get pre-approved for a mortgage, it might not be that straightforward.
The reality of home buying in Canada is far from this picture-perfect story. One of the most significant deviations is the order in whic...

AI image generation is everywhere, producing realistic – and sometimes not-so-realistic – results. We thought we’d test AI’s capabilities by asking an engine to render an AI house design for traditional homes in each major city in Canada. Since most Canadian homebuyers want a three-bedroom, two-bathroom home, we asked the engine to create its own version of detached homes in the classic styles each city is known for. And, to add a little bit of spice, we asked it to add a Gilmore Girls aesthe...

Canada’s housing market is competitive, with buyers competing to own their dream home. Therefore, it’s essential to put your best foot forward when house hunting. That means being prepared to move quickly and making you attractive to potential buyers. One way to do this is to know what documents are required for mortgage pre-approval with the help of our checklist.
Mortgage pre-approval involves submitting your financial information to a mortgage broker or financial institution. The instituti...

Throughout the past three years, the world of remote working has slowly but steadily become the new normal. For potential homeowners, this is excellent news. It means that individuals are no longer tied to housing in expensive cities, allowing them to move anywhere.
That’s all good, but the moving process is one of the most important things to consider. So whether you’re looking to move cross borders, to another city, to another province, or across the country, here are some tips and suggesti...