Home insurance isn't mandatory but here's why we highly recommend it
Home insurance isn't mandatory but here's why we highly recommend it

Unlike auto insurance, home insurance is an optional product. But it could save you from liability.

How do insurance providers treat couples who are living apart together?
How do insurance providers treat couples who are living apart together?

10 questions to ask when getting a mortgage
10 questions to ask when getting a mortgage

This article has been updated from a previous version. 

How to get a better rate when you renew your mortgage

How to get a better rate when you renew your mortgage

Before accepting your current mortgage lender's offer to renew your loan, shop around. You might be able to negotiate a better rate or conditions. Here's everything you need to know.

Robb Engen

January 26, 2023

7-minute read

This article has been updated from a previous version. 

When it's time to renew your mortgage, do you blindly accept the first offer from your existing mortgage lender? Banks know that most homeowners won’t bother negotiating or switching lenders because they don’t want to risk not qualifying for the stress test again. As a result, you likely won’t see a discounted rate when your mortgage comes up for renewal.  

About the author

Robb Engen balances a full-time job with a host of side-projects and a busy young family. He co-founded the personal finance blog Boomer & Echo in 2010, and started Rewards Cards Canada in 2011. He is also a freelance writer for the Toronto Star. Robb is currently on the path to CFP certification and last year launched his own independent fee-only financial planning service.

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Want to switch lenders at renewal? Here's what you need to know

March 14, 2023

Want to switch lenders at renewal? Here's what you need to know

The mortgage conditions you require may have changed since you first started your term, or you may need a more affordabl... Read more

3 ways to make your mortgage more affordable at renewal

March 7, 2023

3 ways to make your mortgage more affordable at renewal

For those approaching their mortgage renewals, the current interest rate environment is much different than it was five ... Read more

Your mortgage is up for renewal, but you’ve just lost your job. What now?

September 22, 2022

Your mortgage is up for renewal, but you’ve just lost your job. What now?

As a homeowner, losing your source of income is doubly stressful. And if your mortgage is up for renewal, you may not kn... Read more

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What is dangerous driving, and how does it impact your car insurance rate?
What is dangerous driving, and how does it impact your car insurance rate?

Why your home insurance rate may rise even if you’ve never made a claim
Why your home insurance rate may rise even if you’ve never made a claim

Owning a home is an expensive proposition in most of Canada. That’s why it’s important to look for savings where you can. One area where you have more choice is when you purchase home insurance.  

What to do if your mortgage loan application is denied

What to do if your mortgage loan application is denied

A denial isn’t necessarily a dead end. Consider it more of a hurdle. With some careful planning, you can ensure that you have the necessary funding to buy your new home.

H.G. Watson

January 16, 2023

9-minute read

This article has been updated from a previous version.

You’ve been scanning the real estate market every day. You’ve already decided what colour you’ll paint your new living room. You are ready to buy a new home. But there’s one thing that can stop you from getting a home and put your ownership fantasies out of reach: a mortgage loan denial. 

About the author

H.G. Watson is a writer based in Toronto. Her work has appeared in Chatelaine, Vice, Flare, Maisonneuve, The Walrus and more. You can find her at @hg_watson on Twitter.

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Historical mortgage rates: Averages and trends from the 1970s to 2021

September 9, 2021

Historical mortgage rates: Averages and trends from the 1970s to 2021

From ultra-high rates in the early 1980s to the record lows Canada is seeing today, interest rates are always changing. ... Read more

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How to switch car insurance providers

How to switch car insurance providers

While it may seem daunting to switch car insurance providers, it is a great way to regain some control over rising rates. Here's everything you need to know about how to change car insurance companies and ensure it’s a smooth transition.

Caitlin McCormack

January 12, 2023

6-minute read

This article has been updated from a previous version. 

About the author

Caitlin McCormack is a writer based in Toronto. Her work has appeared in MSN, Food Network, HuffPost, What to Expect, Today's Parent, and Mashable, among others. When she isn't writing, she's busy chasing after her two sons, testing out new recipes, and working on her century-old fixer-upper.

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Driving with pets and car insurance: what you should know

March 9, 2023

Driving with pets and car insurance: what you should know

If your pet loves being close to you, think twice before letting them join you in the driver’s seat. You could face a ... Read more

What kind of auto insurance do you need if you drive for Uber or Lyft?

February 14, 2023

What kind of auto insurance do you need if you drive for Uber or Lyft?

While Lyft and Uber provide commercial insurance that covers you while you’re providing the service, you’re still re... Read more

How expensive is it to insure one of Canada's top 10 most stolen vehicles?

January 5, 2023

How expensive is it to insure one of Canada's top 10 most stolen vehicles?

Theft risk is one of many factors insurance providers consider when they set your premium. Find out how Canada's top 10 ... Read more

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What’s the best way to insure my engagement and wedding rings?
What’s the best way to insure my engagement and wedding rings?

It’s up to you whether to insure your jewelry under a home or tenant policy or via a standalone jewelry insurance provider.

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Tenant insurance, also sometimes referred to as renter’s insurance, is a type of property insurance designed for someone who is renting a property, whether an apartment, duplex, or house.  

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