We see the news, we turn the page and read the next article, and nothing is thought of these concerns until renewal time….cue the scary music.  The sad reality of our current financial environment is that few will escape the impact of the changes in effect and the changes to come.  So if you didn’t […]

osfi is at it again. Late last week, the Office of the Superintendent for Financial Institutions (OSFI) announced it was concerned about the risks associated with the large and rising number of highly indebted borrowers, especially those with floating-rate mortgages, which stands at a record proportion of outstanding mortgage loans. With the economy in danger […]

Here’s the reality folks….we are in unusual times and NO ONE definitively knows what to do! We can share what we learn from analysts and economists, factor in what projections the Bank of Canada has made and analyze your circumstances to assess what options might accommodate you best. But at the end of the day, […]