Why Your Credit Score Matters—and How to Improve It

Mortgage Tips Miwa Weninger 16 Sep

How to Improve Your Credit Scores Many clients, especially those new to Canada or just starting out financially, are often surprised at how important credit history is when buying a home. Lenders use credit scores — from Equifax, TransUnion, or their own models — to help decide loan approval and interest rates. The higher your […]

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Don’t forget to claim your First-Time Home Buyers’ Tax Credit (HBTC) / 初めて住宅を購入した方へ、税額控除（HBTC）の申請をお忘れなく！

General Miwa Weninger 2 Jan

When preparing your income tax return for the previous year, remember to claim the First-Time Home Buyers’ Tax Credit (HBTC) – a valuable benefit designed for new homeowners! 前年分の所得税申告を行う際には、「初回住宅購入者税額控除（HBTC）」を忘れずに申請しましょう！新しいホームオーナーのための貴重な税制優遇措置です。

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Why Mortgage Brokers Verify ID and Credit Information: Key Incidents / モーゲージブローカーがIDと信用情報を確認する理由：重要な事例

General Miwa Weninger 6 Dec

As of recent regulatory changes in Canada, mortgage brokers are required to check the identification and credit report of clients upfront. This is part of efforts to prevent fraud and ensure that brokers have all the necessary information to accurately assess a borrower’s financial situation. The identification check helps confirm the borrower’s identity, and the […]

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Change to the Home Buyers’ Plan (HBP) withdraw up to $60,000 / HBP 住宅購入者プランの改訂について

Mortgage Tips Miwa Weninger 22 Oct

Change to the Home Buyers’ Plan (HBP) The Home Buyers’ Plan (HBP) is an effective tool for first-time homebuyers in Canada to increase their available funds for purchasing a home. Through the HBP, individuals can withdraw funds from their Registered Retirement Savings Plan (RRSP) to use as a down payment on a home. This withdrawal […]

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