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Mortgage 101

Explore the intricacies of estate and capital gains taxes in Canada, and learn effective estate planning strategies to minimize tax burdens.

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How Does Canada Inheritance Tax Affect Estate and Capital Gains?

Mortgage 101

Explore the differences between open and closed mortgages in Canada, understand their impact on your finances, and choose the right option with Pine.

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Open vs. Closed Mortgages in Canada

Mortgage 101

Explore the world of private mortgage lenders, understanding their mechanics, application processes, and navigating through their advantages and pitfalls

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Private Mortgage Lenders in Canada

Mortgage 101

Explore the pivotal role of credit scores in mortgage approvals, understand the key factors influencing your score, and discover strategies to enhance it

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Turning the Tide on Bad Credit: Your Guide to Enhancing Credit Scores

Mortgage 101

Dive into CMHC Mortgage Insurance in Canada: benefits, fees, and guidelines. Achieve housing dreams with Pine.

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What is CMHC Mortgage Loan Insurance?

Mortgage 101

Boost your mortgage approval chances! Clean up your credit file by checking for errors, building credit history, and reducing debt.

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Cleaning Up Your Credit File Before You Get A Mortgage

Mortgage 101

Learn how to check your credit score for free with Equifax and TransUnion. Our step-by-step guide empowers you to take control of your financial health.

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Your step by step guide to checking your credit score for free

Mortgage 101

Explore our comprehensive guide on mortgage life insurance. Understand its benefits, costs, and how it can secure your family's financial future.

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Unlocking the benefits of mortgage life insurance

Mortgage 101

Explore the power of prepayment privileges to save money and own your home faster. Understand your mortgage terms and make informed choices.

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The ins and outs of mortgage prepayment privileges

Mortgage 101

Discover how fluctuating mortgage rates in Canada can impact your retirement planning. Learn strategies to navigate the changing financial landscape effectively.

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How fluctuating mortgage rates in Ontario can impact your retirement planning

Mortgage 101

Discover how to navigate a mortgage renewal in a high-interest rate environment. Learn strategies, evaluate options, and make informed decisions for financial success.

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How to navigate a mortgage renewal in a high-interest rate environment

Mortgage 101

Navigating mortgages for self-employed Canadians involves understanding unique requirements, exploring mortgage options, and utilizing special programs.

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The ultimate guide to mortgage options for self-employed Canadians

Mortgage 101

Get ready to save big on your mortgage renewal! Learn how to choose the right lender, snag better rates, and secure a brighter financial future. Don't miss out!

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What to look for in your lender when renewing your mortgage?

Mortgage 101

Uncover the role of a T4A slip in the Canadian mortgage process. Explore its significance, especially for the self-employed, in securing a mortgage.

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What is a T4A and its role in the Canadian mortgage process

Mortgage 101

Thanks to various government first-time home buyer incentives, you just might qualify for these savings.

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Your guide to first-time home buyer incentives in Canada

Mortgage 101

Foreclosure is a real risk for Canadians who struggle to make their mortgage payments every month. Not sure what that means? Here’s your comprehensive guide.

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Will foreclosure affect my credit score?

Mortgage 101

During the entire mortgage process, you’ll often have to deal with a number of legal and administrative costs associated with closing your home in Canada.

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Your complete guide to closing costs in Canada

Mortgage 101

Lenders understand that life happens, and sometimes a gap in employment is unavoidable. So, a gap doesn’t necessarily mean you won't be able to get a mortgage.

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Will a gap in your employment hinder you from getting a mortgage?

Mortgage 101

It's now easier than ever to get the financing you for your dream home. And one of the easiest ways to do that is by working with an online mortgage lender.

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Why you should get your mortgage with an online lender

Mortgage 101

When it comes to paying your monthly mortgage, you have a couple of options. However, an accelerated bi-weekly payment schedule could help pay it off faster.

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Why you should do an accelerated bi-weekly mortgage payment

Mortgage 101

With all the recent interest rate increases, you may have heard the term “trigger rate” floating around. But what exactly is that and how will it affect you?

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What’s a mortgage trigger rate and how can you calculate yours?

Mortgage 101

When it comes to locking in a mortgage, you’ll often have two choices to pick from: a fixed-rate or a variable-rate. But what if you want to make a switch?

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When should you convert your variable rate into a fixed rate?

Mortgage 101

Thinking about refinancing your mortgage? Whether you’re a seasoned homeowner or just starting out on your home buying journey, here’s what you need to know.

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When should you refinance your mortgage?

Mortgage 101

Switching at the right time can save you thousands of dollars and help you to pay down your mortgage faster.

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Looking to switch your mortgage? Here's what you need to know

Mortgage 101

Beyond banks and brokers: how do you get a mortgage in Canada?

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What to know about getting a Canadian mortgage

Mortgage 101

One of the silver linings to owning is being able to qualify for a Home Equity Line of Credit (HELOC).

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What is a Home Equity Line of Credit and how can you get one?

Mortgage 101

Essentially, a rate lock–or rate protection–allows you to secure a specific interest rate for a set period of time, while you wait to finalize your mortgage.

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What it means to lock in your mortgage rate

Mortgage 101

While you might be rolling your eyes, title insurance is extremely important for every homebuyer to purchase and it's necessary for a multitude of reasons.

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What is title insurance, and why is it important?

Mortgage 101

When it comes to buying a home, your first or next, Canada’s mortgage stress test is a necessary step you'll go through to get you qualified for a mortgage.

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What is the Canadian mortgage stress test?

Mortgage 101

This means that you’ll need to put in a bit more on your monthly payments thanks to mortgage insurance premiums.

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What is mortgage insurance and do you need it?

Mortgage 101

The most important step in getting your mortgage approved is shopping around for the plan that works best for you.

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What is a mortgage pre-approval and why is it helpful?

Mortgage 101

Buying a home is a huge commitment: you want to make sure you're making the right choice. That's why securing a mortgage commitment letter is so important.

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What is a mortgage commitment letter?

Mortgage 101

Buying a home? Figuring out your debt service ratios can help see how much you can afford.

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What are debt ratios—and how to calculate yours

Mortgage 101

While marriage has the caveat of “til death do us part," when it comes to your mortgage, death unfortunately doesn’t exempt you-or your loved ones-from paying.

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What happens to your mortgage when you die?

Mortgage 101

It's important to understand the terms and conditions that come along with your mortgage. One term that you will probably come across is "pre-payment penalty."

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What are pre-payment penalties?

Mortgage 101

Though it may be difficult, it’s important to understand that you do have options, each with its own set of pros and cons.

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What happens to your mortgage after a divorce?

Mortgage 101

Anytime you buy a property–which also includes the land it sits on–you might need to pay the government taxes.

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Understanding land transfer tax and how to calculate yours

Mortgage 101

When you own a home in Canada, you'll need to pay property taxes—so don't forget that you’ll need to factor this payment into your closing and yearly costs.

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Understanding your property tax

Mortgage 101

In Canada, four out of 10 parents helped their kids financially afford a home. If you're one of these parents, there are a few options to heavily consider.

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The “Bank of Mom and Dad”: Helping your kids get a mortgage

Mortgage 101

Home equity is the portion of your home you own, and is the difference between what your home is currently valued at and how much you have left to pay off.

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The 7 reasons to use the equity in your home

Mortgage 101

Owning a home can definitely add up. However, if you’re looking to lower your monthly mortgage payments, you’ll be happy to know there can be some relief.

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The 2 things you can do to lower your monthly mortgage payments

Mortgage 101

There are some crucial mistakes first-time home buyers make and it’s important to avoid these to prepare you for your new journey of home ownership.

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The 10 mistakes to avoid as a first-time homebuyer

Mortgage 101

Renew, refinance, or switch your mortgage? It's all about what you want to achieve financially and with your home. Just check rates, fees, and any penalties!

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Should you refinance, renew or switch your mortgage?

Mortgage 101

Choosing between a five-year or three-year fixed-rate mortgage depends on your financial goals and circumstances, like interest rates, fees, and future plans.

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Should you choose a five-year or three-year fixed-rate mortgage?

Mortgage 101

Looking to break your mortgage terms? While you may be faced with a prepayment fee or penalty, there are actually pros and cons to this financial decision.

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Should I break my mortgage terms? The pros and cons

Mortgage 101

While renewing your mortgage, one option you consider is switching from a variable-rate mortgage to a fixed-rate mortgage. But is it the right choice for you?

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Things to consider before Renewing and switching to a fixed interest rate

Mortgage 101

To understand if the prime rate will affect your mortgage, it’s important to differentiate between the two types of mortgages you can get: a fixed and variable.

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Prime rate: What is it and why’s everyone talking about it?

Mortgage 101

Selling your home and buying a new one? You'll be happy to know you don't have to break a mortgage and pay a penalty: you can port your mortgage, instead.

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Porting your mortgage: how to do it right

Mortgage 101

Being able to buy a home is one of the most exciting moments in a Canadian's life. But, for newcomers, it can be one of the most daunting tasks.

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Are you a newcomer to Canada? Here’s how to get a mortgage

Mortgage 101

If you've already got a mortgage in your home province, you might be able to transfer it over to your new home in Alberta–which can save you time and money.

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Moving to Alberta? Here's what you can do with your mortgage

Mortgage 101

Got a some money in the bank and a potential home you want? It's time for a little math.

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Using a mortgage calculator to figure out your monthly payments

Mortgage 101

Is it time to renew your mortgage? It's normal for interest rates to fluctuate, especially if your mortgage term is ending. The good news is, you have choices.

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Mortgage renewals: What to do when your interest rate goes up

Mortgage 101

So you've found your perfect home, but your mortgage application was denied? It's ok. That doesn't mean you won't be able to get it approved for next time.

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Did your mortgage application get denied? Here’s what you can do

Mortgage 101

Making sense of home buying and mortgage keywords can feel like learning an entirely new language. That's why we're here to help.

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Mortgage 101: The key terms you need to know

Mortgage 101

Missed a mortgage payment? While late payments happen, in Canada your mortgage is considered officially missed if it’s 15-days overdue. Here's what you can do.

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Missed a mortgage payment? Here's what happens next

Mortgage 101

It's time to renew your mortgage. While you might be considering just sticking to your current lender, there may be pros to shopping around and making a switch.

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It’s time to renew your mortgage: Should you make the switch?

Mortgage 101

Recently, buyers are increasingly relying on co-borrowers or other sources of income to qualify for higher mortgage amounts, including gifted down payments.

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How you can get a gifted down payment in Canada

Mortgage 101

Budgeting for a mortgage is important. And with a little bit of preparation, you can make sure your monthly mortgage payments are manageable and stress-free.

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How to budget for your monthly mortgage payments

Mortgage 101

If you’re looking to invest money in a second home, you might want to look into tapping into a Home Equity Line of Credit (HELOC) on your current mortgage.

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How to add a HELOC to your mortgage

Mortgage 101

If you owe money on your mortgage loan when your term is up (and most of us will), you'll need to renew your mortgage for another term. How early can you renew?

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How early can you renew your mortgage?

Mortgage 101

Ready to purchase your dream home? You’ll be pleasantly surprised to know that you won’t need to offer the entire cost up-front.

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How much you'll need for a down payment in Canada

Mortgage 101

The saying goes, “It takes a village to raise a child”–and when it comes to owning your own property, sometimes you need one too.

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Getting a co-borrower or guarantor for a mortgage

Mortgage 101

Good news: while it might be a large loan, there are a few steps you can take to pay off your mortgage faster and save yourself some money in the long run.

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Five ways to pay your entire mortgage off faster

Mortgage 101

You might find that as you assess your situation, these are four reasons to refinance your mortgage.

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The 4 reasons to consider refinancing your home

Mortgage 101

While there are a number of factors that impact your mortgage approval, in 2022, this is the credit score you'll need.

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The credit score you need to get a mortgage in Canada in 2022

Mortgage 101

Here’s how to protect your credit score when comparing mortgage rates.

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Does it hurt your credit to compare mortgage quotes?

Mortgage 101

With Canada’s average home price hovering around $630,000, saving that lump sum could take years. So what happens if you can’t put down a 20% down payment?

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Can't put down a 20% downpayment? Here's what happens

Mortgage 101

Realized you may not be able to get a mortgage on your own? Getting a co-borrower or guarantor could be what you need to finally enter the real estate market.

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Can’t afford a mortgage on your own? Here’s what you can do

Mortgage 101

When it comes to your career, your mortgage approval could be at risk if you make a bit of a change—aka like get a new job—before you've closed on your home.

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Can you change jobs before your mortgage closes?

Mortgage 101

Are you a first-time home buyer looking to settle in Alberta? While you might be focused on saving for your down payment, don't forget about the closing costs.

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Buying in Alberta? Closing costs to know as a first-time homebuyer

Mortgage 101

Have you ever heard of a mortgage that can be passed from one homeowner to the next, almost like a hot potato? Well, that is what an assumable mortgage is.

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Assumable mortgages: What is it and how do you get one?

Mortgage 101

Ready to go house hunting? If you generally get your income from your own business or freelance gigs, you can potentially qualify for a self-employed mortgage.

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Are you self-employed? You can still qualify for a mortgage

Mortgage 101

While you may not be able to negotiate the interest rate of your mortgage, you can choose how many years it’ll take you to pay it off–sort of.

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Amortization: What is it and how can you pay your mortgage off faster?

Mortgage 101

While each provides you with the loan for your home, each has their own set of benefits.

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The difference between banks and independent mortgage lenders

Mortgage 101

In the world of mortgages, you have the option of two different types of interest rates.

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A fixed-rate or a variable-rate mortgage: which should you choose

Mortgage 101

If you’re looking at purchasing your first home, chances are you’ll need a mortgage approval.

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The 5 factors affecting your mortgage approval

Mortgage 101

A down payment might single-handedly take the cake for the biggest lump-sum of money you’ll have to pay in your life

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10 ways to save for your down payment ASAP

Home Buying

Discover PEI's safest cities with low crime rates, family-friendly features, and affordable living. Ideal for families and entrepreneurs.

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The Safest Places to Live in PEI

Home Buying

Discover Canada's safest cities in Newfoundland and Labrador, offering tranquil, community-rich living.

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The Safest Places to Live in Newfoundland and Labrador

Home Buying

Explore New Brunswick's safest cities with stunning landscapes and vibrant communities. Ideal for families seeking tranquility and security.

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The Safest Places to Live in New Brunswick

Home Buying

Explore the top 10 safest places in Nova Scotia, Canada. Discover why these serene cities are perfect for families, professionals, and retirees.

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The Safest Places to Live in Nova Scotia

Home Buying

Explore Saskatchewan's top 10 safest cities with low crime rates, ideal for families and professionals.

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The Safest Places to Live in Saskatchewan

Home Buying

Explore Manitoba's safest cities, their low CSI scores, and affordable living. Ideal for families and professionals seeking a secure lifestyle.

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The Safest Places to Live in Manitoba

Home Buying

Explore Alberta's safest cities with low crime rates and high-quality living - perfect for families seeking security and prosperity in Canada.

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The Safest Places to Live in Alberta

Home Buying

Explore BC's top 10 safest cities with low crime rates and vibrant communities, ideal for family-friendly living.

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The Safest Places to Live in BC

Home Buying

Explore Quebec's safest cities, combining security, cultural richness, and community. Discover why they're Canada's top living destinations.

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The Safest Places to Live in Quebec

Home Buying

Explore Ontario's top 10 safest cities, showcasing dedicated law enforcement, high CSI scores, and tranquil living.

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The Safest Places to Live in Ontario

Home Buying

Maximize your home's value in Canada with key insights on market trends, property specifics, and valuation methods, crucial for selling or refinancing

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Maximize Your Home's Value: What is My Home Worth?

Home Buying

Explore the lifestyles, costs, and unique qualities of Toronto and Calgary to choose your ideal Canadian city home.

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Toronto vs. Calgary: Where Should You Live?

Home Buying

Explore the unique lifestyles and costs of living in Toronto and Ottawa to find your ideal Canadian urban destination.

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Toronto vs. Ottawa: Where Should You Live?

Home Buying

Explore the distinct lifestyles of Montreal and Vancouver, delving into their cultural, entertainment, safety, transit, job markets, and housing costs.

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Montreal vs. Vancouver: Where Should You Live?

Home Buying

Explore Newfoundland and Labrador's affordable living options, offering a balance of natural beauty and cost-effective lifestyles.

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The Cheapest Places to Live in Newfoundland and Labrador

Home Buying

Discover New Brunswick's top affordable living spots, blending maritime charm with budget-friendly options for a fulfilling lifestyle.

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The Cheapest Places to Live in New Brunswick

Home Buying

Discover Nova Scotia's affordable living options, combining coastal charm and community spirit for a fulfilling lifestyle.

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The Cheapest Places to Live in Nova Scotia

Home Buying

Explore Saskatchewan's cheapest places to live, offering a blend of affordability, quality living, and economic opportunities.

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The Cheapest Places to Live in Saskatchewan

Home Buying

Discover Manitoba's most budget-friendly towns and cities, offering a blend of urban sophistication and rural charm for savvy homebuyers.

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The Cheapest Places to Live in Manitoba

Home Buying

Learn how an effective employment letter can impact your mortgage application and terms with Pine's expert guidance.

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Mastering the Employment Letter for Mortgage

Home Buying

Explore Quebec's affordable living: Top locales balancing cost and quality of life.

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The Cheapest Places to Live in Quebec

Home Buying

Explore Canada's top 10 most expensive cities, their impact on housing and local economies.

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The Most Expensive Cities to Live in Canada

Home Buying

Discover affordable living in British Columbia's top cities and towns. Find the perfect balance between cost and quality of life.

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The Cheapest Places to Live in BC

Home Buying

Discover Alberta's most affordable places to live, balancing cost with quality of life, and learn how Pine can help with home buying.

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The Cheapest Places to Live in Alberta

Home Buying

Unraveling Canada's 2023 foreign buyer ban, its key exemptions, and implications with guidance from Pine's real estate expertise.

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Impact and Insights of Canada's Foreign Buyer Ban 2023

Home Buying

Explore CMHC premiums in Canada: their role, costs, and benefits. With Pine, understand and navigate the mortgage journey confidently.

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Demystifying CMHC Premiums: What Homebuyers in Canada Need to Know

Home Buying

Explore the key differences between a guarantor and a co-signer in the Canadian housing market, aiding your informed decision in home buying.

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Guarantor vs. Co-signer in Canada's Housing Market

Home Buying

Discover the path to homeownership in Newfoundland with insights on buyer incentives, financial strategies, and tailored support with Pine.

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What a first-time home buyer in Newfoundland should know

Home Buying

Unlock key insights for first-time homebuyers in PEI: financial aids, eligibility, and expert tips for a seamless purchase experience.

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What a first-time home buyer in PEI should know

Home Buying

Explore the essentials of condo insurance in Canada, understand the differences between home and condo coverage, and get tips for condo owners.

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Unraveling Condo Insurance in Canada: Must-Knows and Average Costs

Home Buying

2023 Vancouver property tax insights: Explore BC Assessment's role and impact on homeowners in Canada's costliest city.

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Vancouver Property Tax 2023

Home Buying

Explore the costs and considerations of building a custom home in Ontario, from land acquisition to design, materials, labour, and financing with Pine Mortgage.

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Breaking Down the Cost of Building a House in Ontario

Home Buying

Guide to home inspections: uncovering issues, understanding costs, and using reports for confident homebuying decisions.

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Mastering Home Inspections: Costs, Timelines, and Key Checklists

Home Buying

Understand home down payments in Canada with our guide. Learn about minimums, pros/cons, and how to budget wisely. Make a confident, informed decision

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Down Payment Guide: What You Need to Know When Saving for a Home

Home Buying

Guide to Calgary's property tax system: optimizing mortgages, understanding tax rates, and smart financial strategies for homeowners.

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Calgary Property Tax and Your Mortgage: Navigating the Financial Landscape

Home Buying

Explore how a home's age affects its value. Consider factors like historical value, wear and tear. Make informed real estate decisions.

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Delving into the value: How a home's age influences its worth

Home Buying

Discover Alberta's affordability payments—a tool to help manage housing costs. Ideal for first-time buyers and homeowners navigating Alberta's economy.

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Understanding Alberta affordability payments: An essential guide for every home buyer

Home Buying

Explore first-time home buyer incentives in Nova Scotia! Uncover key programs, financial tips, and insights to make your home-buying journey smooth.

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What a first-time home buyer in Nova Scotia should know

Home Buying

Unlock the secrets to successful homeownership in Manitoba. Dive into our comprehensive guide tailored for first-time buyers. Navigate the market confidently!

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What a first time home buyer in Manitoba should know

Home Buying

Unlock the secrets of buying your first home in New Brunswick. Explore government incentives, budgeting tips, and market insights to secure your dream property.

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What a first-time home buyer in New Brunswick should know

Home Buying

Unlock savings on your home insurance with Intact Insurance. Explore seven practical tips to reduce premiums, from energy efficiency to bundling services.

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Unlock savings on your home insurance premium

Home Buying

Uncover hidden costs of building your dream home in Canada and navigate your home-buying journey informed and prepared.

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How much does it cost to build your dream home

Home Buying

Explore the charm and functionality of diverse home types, from traditional to modern urban dwellings, and discover unique alternative living.

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From cottages to condos: Understanding the many types of homes

Home Buying

Explore the art of downsizing for a fulfilling retirement. This guide covers benefits, financial considerations, real-life examples, and steps to success.

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The art of downsizing: A comprehensive guide for a simpler, more manageable retirement

Home Buying

Explore the essentials of buying your first home in Vancouver with this comprehensive guide. Navigate interest rates, the housing market, and more.

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Breaking into the Vancouver housing market: A first-time home buyer's roadmap

Home Buying

Uncover key strategies for first-time homebuyers to navigate land transfer taxes and save money through rebates and smart planning.

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Navigating land transfer tax for first-time home buyers

Home Buying

Dive into a first-time homeowner's guide: From pre-move tips and home inspections to choosing insurance to safeguard assets.

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Smart steps to buying and insuring your first home

Home Buying

Discover your rights and possible recourse when a new home purchase reveals hidden issues. Learn when to consider legal action or alternative solutions.

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What can homebuyers do when the seller leaves behind problems?

Home Buying

Explore the impact of speculation and vacancy tax on the housing market, its controversies, and how it shapes the journey of buying a home.

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What homeowners need to know about the speculation and vacancy tax in BC

Home Buying

Uncover insights on BC property transfer tax, its calculations, effects on buyers, and available exemptions in our detailed guide.

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What homebuyers need to know about BC's property transfer tax

Home Buying

Master the journey of buying your first home in Toronto with this comprehensive guide. From budgeting to closing the deal, explore key insights now.

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What a first time home-buyer in Toronto needs to know

Home Buying

Empower your first-time home buying experience in Quebec with our comprehensive guide - from financial planning, selecting the right home, to closing the deal.

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What a first-time home buyer in Quebec should know

Home Buying

Understand BC's Strata Property Act before buying a condo. Explore key components, practical examples, and essential tips to navigate strata living.

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BC's Strata Property Act: What condo buyers need to know

Home Buying

Discover how to calculate the Land Transfer Tax in Canada and navigate your expenses with the Canada Land Transfer Tax Calculator. A comprehensive guide for homebuyers.

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Calculating your expenses: the Canada Land Transfer Tax Calculator

Home Buying

Discover how a mortgage co-signer can enhance your path to homeownership. Learn about the benefits, risks, and alternatives to make an informed decision.

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How a mortgage co-signer can boost your homeownership journey

Home Buying

Explore the impact of Ontario's Greenbelt Legislation on housing prices, its effects on homeowners and buyers, and potential mitigating measures.

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Unpacking the impact of Ontario's Greenbelt Legislation on real estate

Home Buying

Navigate the challenges of buying a home in a seller's market with our essential guide. From preparation to closing, we cover every step of the journey.

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Essential tips for buying a home in a seller's market

Home Buying

Uncover how remote work is reshaping home buying preferences, impacting real estate markets, and redefining our concept of home. A must-read!

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The impact of remote work on home buying decisions

Home Buying

Learn how student loans can impact your mortgage application in Canada. Understand debt ratios, credit score effects, and strategies for homeownership.

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How student loans affect your mortgage application in Canada

Home Buying

Explore the pros and cons of investing in pre-construction properties. Discover the advantages, risks, and considerations before making a decision.

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Pre-construction properties: A deep dive into buying a home before it's built

Home Buying

Explore the essentials of title insurance in Ontario, its costs, coverage, and the role it plays in protecting your home and peace of mind.

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Understanding title insurance in Ontario: Safeguarding your mortgage

Home Buying

Master the Canadian mortgage approval process with this guide. From pre-approval to post-approval, overcome roadblocks and secure your home.

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The ultimate guide to getting approved for a mortgage in Canada

Home Buying

Congratulations! You’ve done it. You’ve found the place that you'd like to call home.

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What to expect when expecting... to place an offer

Home Buying

If you're a homeowner in Canada, home insurance is something you need to have. In fact, your lender and lawyer will need to see proof of it before closing.

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What is home insurance and why do you need it?

Home Buying

If you're in the market to buy a home, a home appraisal is an important part of the process and it can have a significant impact on your overall experience.

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What is a home appraisal and how it'll affect you and your home

Home Buying

Buying a home doesn't come cheap. But, the good news is that the provincial Government of Ontario offers programs that could make it easier to afford a home.

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What a first-time home buyer in Ontario should know

Home Buying

British Columbia can be a popular location for first-time home buyers, thanks to first-time home buyer incentives that may solidify the decision to buy there.

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What a first-time home buyer in BC should know

Home Buying

In case you missed it, there are several government programs that have been created for first-time home buyers to make the most of their purchase in Alberta.

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What a first-time home buyer in Alberta should know

Home Buying

The cash you save when you forgo a realtor sounds nice, but it’s important to understand all the additional responsibilities and tasks you’ll be taking on.

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Thinking about buying a house without a realtor? Read this first

Home Buying

Being a homeowner could qualify you for some sweet tax breaks, rebates, or benefits that could put some extra cash in your wallet. And who doesn't love that?

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The tax benefits of homeownership in Canada

Home Buying

While a semi-detached house offers a little more privacy, there are a few other factors to consider when deciding if this is the right type of house for you.

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The pros and cons to owning a semi-detached home

Home Buying

A freehold townhouse provides more ownership autonomy, but there are a few other factors to consider as to whether this type of home is the right fit for you.

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The pros and cons of buying a freehold townhouse

Home Buying

Here’s everything you need to know about the differences when purchasing a second home or investment property to help you decide which one is best for you.

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Should you get a second home or an investment property?

Home Buying

But, while getting a mortgage and a house can be an information overload, the best part is, you don’t have to navigate it alone.

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The 6 people you need when buying a house

Home Buying

While you might prefer to stay home when winter comes, what you might not realize is that selling your home in the winter could actually have more benefits.

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What you need to know about selling a house in the winter

Home Buying

If you’re starting your home buying journey and thinking about pre-purchase plans, it’s also good to think about what what to do once you lock in your home.

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New homeowner checklist: 5 essential things to do when moving in

Home Buying

Looking to buy but asking yourself how much home you can afford? The answer will depend on a variety of factors, including your income, debt, and credit score.

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How much home can you afford?

Home Buying

Are you a first-time home buyer in Saskatchewan? Discover essential tips on incentives, financing options, and the buying process to help you make informed decisions.

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What a first-time home buyer in Saskatchewan should know

Home Buying

Looking to downsize your home? Here's the deal: it’s not just about moving into a smaller house - it's also about finding the right size for your current needs.

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Downsizing your home in Canada: What you need to know

Home Buying

Do you really want the home you've got your eye on? While it might be tempting to make an offer with no contingencies, here's what you'll first need to know.

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What it means when you’re buying with no contingencies

Home Buying

Rowhouses are typically more affordable than detached homes, and offer many of the same benefits, however, there are some things to consider before you buy.

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Buying a rowhouse in Canada: What you need to know

Home Buying

Don't forget to consider the costs outside of your mortgage, like property tax and condo fees.

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What to know when buying an existing condo

Home Buying

If you think you may not have that strong of a purchasing power, these are some of things you can do to help you make your dream of owning a house a reality.

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Buying a house? Here's how to increase your purchase power

Home Buying

All new condos are not created equal. So, how exactly do you choose?

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Buying a new build or pre-construction condo

Home Buying

If you’ve purchased a condo, don’t forget that there’s one additional large cost you’ll need to factor in for as long as you own the unit: maintenance fees.

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Bought a condo? How maintenance fees might affect your mortgage

Home Buying

As Beyoncé said, all the single ladies–take control of your finances and become homeowners. In fact, 27% of all Canadian homeowners are single females.

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All the single ladies: Your guide to becoming a homeowner

Home Buying

Buying a home is expensive, but it's not just important to think about the price of the property. Here are seven other unexpected costs to consider and prepare.

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The 7 unexpected costs to consider when buying a home

Home Buying

Homeownership may seem like a disappearing dream for many Canadians. But if you’ve resigned yourself to renting forever, don’t: because there is still hope.

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6 steps to turn you from a renter to a buyer

Home Buying

Have you been dreaming about purchasing your first home? Here's what you need to do to get it.

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The 6 steps to preparing for your first home purchase

Industry News

2024 Canada Mortgage Forecast: Insights on BoC rates, market trends, fixed/variable rates, and smart property decisions.

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Mortgage Rate Forecast Canada: Insights for 2024 and Beyond

Industry News

Uncover the role of a guarantor in Canada's mortgage process, understanding their responsibilities and impact on loan approval.

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What is a Guarantor in Canada?

Industry News

2024 and Beyond: Insights into Canada's Future Interest Rates, Bank of Canada's Role, Mortgage Impacts, and Financial Strategies.

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When Will Interest Rates Go Down in Canada: Insights for 2024 and Beyond

Industry News

Explore the critical role of credit scores in Canada, the difference between Equifax and TransUnion, and tips for managing your credit health.

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Equifax vs TransUnion: What is the Difference?

Industry News

Discover Canadian construction loans: types, financials, and differences from traditional mortgages.

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Unlocking the Potential of Construction Mortgage in Canada 2023

Industry News

Maximize your OAS benefits in 2023: Understand eligibility, payments, and strategies to avoid clawbacks in Canada's pension system.

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Navigating the OAS Clawback 2023

Industry News

Explore the importance of accurately filling out Line 10100 on your tax return to determine your tax bracket.

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What Is Line 10100 On Your Tax Return?

Industry News

Explore the benefits of starting a business in Canada, from financial freedom to tapping into grants, with Pine's mortgage expertise.

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Best Business to Start in Canada

Industry News

Explore Canada Greener Homes Grant for eco-friendly home renovations. Learn eligibility, benefits & embark on a sustainable journey.

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Navigating Canada’s Greener Homes Loan for Your Home Makeover

Industry News

Discover the importance of landlord insurance to protect your rental property, covering damages, liability, and income loss in the investment journey.

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Your Essential Guide to Rental Property Insurance & Landlord Insurance

Industry News

Uncover the implications of the Bank of Canada's interest rate decisions on the economy and your finances, and navigate changes confidently with Pine.

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Impact of Interest Rate Hikes, according to Bank of Canada

Industry News

Delve into Canada's shifting rental market dynamics, analyzing a decade's data from Statistics Canada to understand affordability and demographic challenges.

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Canadian Rental Market Predictions: Insights from Statistics Canada

Industry News

Explore the dynamics of BC's housing market, uncovering trends and key drivers, while navigating the real estate landscape with trusted guidance.

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The BC Housing Market Report, according to CMHC

Industry News

Explore Alberta's housing market trends, 2023 projections, and how understanding these dynamics can guide potential homeowners and investors.

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The Alberta Housing Market Report, according to CMHC

Industry News

Explore Ontario's housing market trends, key drivers, regional insights, and future predictions based on CMHC findings, aiding potential buyers and investors.

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The Ontario Housing Market Report, according to CMHC

Industry News

Dive into Vancouver's 2023 housing market, exploring price trends, demographic shifts, and construction challenges while navigating through its complexities.

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The Vancouver Housing Market, according to CMHC

Industry News

Explore 2023 GTA housing trends, price dynamics, and market forecasts. Get expert insights for informed real estate decisions with Pine.

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The Toronto Housing Market Report, according to CMHC

Industry News

Exploring Canada's housing crisis: factors driving skyrocketing prices, its broad economic impact, and multifaceted solutions for a balanced market.

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Unraveling the Housing Crisis Canada

Industry News

Pine Advances Its Mission To Support All Canadians In Homeownership By Acquiring Leading Real Estate Company Properly

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Pine Acquires Properly - A Big Step Forward

Industry News

Explore the effects of the Bank of Canada's interest rate hike on mortgages. Understand what this means for your mortgage and how to navigate these changes.

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The Bank of Canada just raised interest rates

Industry News

In case you missed it, the city of Toronto has introduced a Vacancy Tax, aimed at addressing the issue of empty homes. Here's how it might affect homeowners.

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Vacancy Tax in Toronto: What homeowners need to know

Industry News

The predictions are in: The Canada Mortgage and Housing Corporation says home prices will hit rock bottom this year, but won't go below pre-pandemic levels.

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The Canadian spring housing market, according to CMHC

Industry News

With inflation still quite high worldwide, for the seventh time this year, the Bank of Canada (BoC) has raised its interest rate, this time by 50 basis points.

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Here we go again: The Bank of Canada raises rates to 4.25%

Industry News

The hikes aren't over: the country’s interest rate has gone up by three-quarters of a percentage point, leaving it now at 3.25%.

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The Bank of Canada raises interest rates to 3.25%

Industry News

If you’re starting to feel the anxiety surrounding the rising prime rates, it might be time to consider locking into a fixed-rate or even switching to a new lender.

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The Bank of Canada raises rates again: Is it time to lock in?

Industry News

As of 10:00 a.m. this morning, the Bank of Canada has announced the first rate increase of 2023. This marks the eight consecutive increase in the past year.

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The Bank of Canada announces the first rate hike of 2023

Industry News

February marks Black History Month, and it's important to discuss what more needs to be done when it comes to our Black communities: especially with housing.

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Recognizing Black History Month and what needs to be done

Industry News

It’s our mission to bring a better mortgage experience to Canadians and it starts today.

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Introducing Pine: A new way for Canadians to get their mortgage

Industry News

You’ve probably heard that you have a couple first-time home buyer incentives when buying, but did you know you’re also entitled to a cooling-off period in B.C.?

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Chill out: Understanding the cooling-off period in British Columbia

Industry News

In 2023, you can start saving thanks to the Canada’s federal government plans to implement a new tax-free savings account.

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Canada’s new Tax-Free First Home Savings Account

Industry News

The Canadian housing market prices are anticipated to increase by 5% in the remaining months of 2021.

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Your guide to the Canadian housing market

Industry News

The Province of British Columbia announced its Homes for People plan to address its affordable housing crisis, committing $12 billion over a span of 10 years.

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BC commits to "Homes for People" plan to create affordable housing

Lifestyle

Discover key insights on maximizing GST/HST credit benefits in Canada for financial stability. Eligibility, application process, and tips included.

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Canada GST Refund Guide for Enhanced Financial Stability

Lifestyle

Master the Canadian T1 tax form with our guide - essential for accurate income reporting and maximizing refunds.

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What is a T1 Tax Form? A Complete Guide for Canadians

Lifestyle

Learn effective RRSP contribution strategies to boost retirement savings & lower taxes. Discover key tips for optimal financial planning.

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Optimize Your Finances with Effective RRSP Contribution Limit Strategies

Lifestyle

Discover Canada's Grocery Rebate program: eligibility, maximizing benefits, and budgeting tips, all explained with Pine's expertise.

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Maximizing Savings Using Canada’s New Grocery Rebate

Lifestyle

Guide to maximizing the Canada Child Benefit for family financial stability and tax planning.

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Maximize Family Finances with the Canada Child Benefit

Lifestyle

Discover how the Canada Workers Benefit aids low-income workers and families for financial empowerment in our comprehensive guide.

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Unlocking Financial Aid with the Canada Workers Benefit for Canadian Workers

Lifestyle

Explore the importance of T4 slips for accurate Canadian tax filing, covering remuneration, pensions, and more in this essential guide

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How Understanding T4 Slips Can Improve Your Canadian Tax Filing Experience

Lifestyle

Discover Manitoba's winter magic with Pine: Explore Winnipeg's urban charm, Churchill's polar bears, outdoor activities, and family fun in our guide.

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Explore Manitoba's Winter Destinations: Your Guide to the Best Adventures

Lifestyle

Discover Quebec's winter wonders with Pine: Urban charm, nature's beauty, and enchanting destinations await in our guide.

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Travel to Quebec's Top Winter Destinations: Guide to the Best City Adventures

Lifestyle

Discover BC's winter magic from urban charm to natural beauty in Whistler, Victoria, and more!

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Discover British Columbia’s Winter Wonderland: A Guide to Top Destinations

Lifestyle

Discover Alberta's winter magic with top destinations for skiing, auroras, and festive markets.

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Embrace the Cold: Alberta’s Top Winter Destinations

Lifestyle

Essential checklist for a smooth address change in Canada, covering government, financial, insurance, utilities, and subscriptions.

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Change of Address Checklist in Canada

Lifestyle

Discover the best birthday freebies in Canada, from delicious treats to fashion deals. Celebrate your special day with savings and surprises galore.

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Best Birthday Freebies in Canada

Lifestyle

Discover the contrasts between Montreal and Toronto: from lifestyle and costs to opportunities and culture. Choose your ideal city.

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Toronto vs. Montreal: Where Should You Live?

Lifestyle

Compare life in Vancouver vs. Toronto: transit, food, housing, economy, and taxes to choose your ideal Canadian city.

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Vancouver vs. Toronto: Where Should You Live?

Lifestyle

Discover 7 pivotal life events that necessitate an insurance review. From home acquisitions to new drivers, ensure your policy aligns with your changing circumstances.

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7 Life Events That May Require an Insurance Update

Lifestyle

Explore essential tips for safeguarding your online activities, from robust passwords to cautious data sharing, and learn about secure digital finance

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Is Your Digital Life Secure? A Guide to Navigating Online Safely

Lifestyle

Decode Toronto's utility bills: Explore the factors influencing costs, discover strategies to reduce expenses.

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Decoding Toronto’s Utility Bills: Costs and Cutting Corners

Lifestyle

Explore the essentials of tenant insurance, from personal property protection to liability coverage, ensuring peace of mind for renters.

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Unlocking Tenant Insurance in Canada

Lifestyle

Explore the value of bathroom renovations in Canada, from cost factors to design tips, and discover how modernizing this space can boost property value.

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The Value Behind Bathroom Remodel in Canada

Lifestyle

Dive deep into Ontario's HST intricacies, from its fundamentals to its application in real estate. Unlock tax mysteries with Pine's expert guidance.

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Unlocking Ontario's HST Mysteries

Lifestyle

Canada's WFH tax credits guide: eligibility, deductions for salaried & self-employed, and common pitfalls

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Work From Home Tax Credit Guide Canada

Lifestyle

Discover affordable living in Canada! Explore hidden, cost-effective havens across provinces for an ideal balance in housing and lifestyle.

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The Cheapest Places to Live in Canada

Lifestyle

Discover affordable living in Ontario: top cities for budget-friendly homes and life without the big city price tag.

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The Cheapest Places to Live in Ontario

Lifestyle

Explore RSPs & RRSPs in Canada: Understand key differences, benefits, and impact on your savings and retirement journey.

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RSP vs RRSP: What’s The Difference

Lifestyle

Unlock the Canadian dream: homeownership and education. Get tips on RESPs, mortgages, and financial planning to juggle both goals successfully.

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How to buy a home and fund your university education

Lifestyle

Learn to make your home energy-efficient without losing comfort. Get tips on heating, insulation, and appliances to reduce costs and help the planet.

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Empower your home with top tips for cutting energy costs

Lifestyle

Discover how to choose the perfect outdoor bar stools. Dive into materials, designs, maintenance, top brands, and more. Blend style with functionality.

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Matching bar stools to home decor: A guide to outdoor selections

Lifestyle

Discover the art of choosing the perfect coffee table for your home. From styles to functionality, this guide offers insights for every living space.

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Furnishing your home – finding the perfect coffee table

Lifestyle

Explore Ontario's top autumn destinations, from the vibrant hues of Toronto's High Park to serene Lake Ontario views. Discover the beauty of fall in Ontario!

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Fall in love with Ontario: Top Autumn destinations

Lifestyle

Discover the top 10 safest cities in Canada based on the Crime Severity Index. Learn what makes these cities secure and desirable places to live.

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The Safest Places to Live in Canada

Lifestyle

Discover how to maximize your workout space and create a home gym on a budget. Learn practical tips and smart strategies for a cost-effective fitness sanctuary.

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Maximizing your workout space: Home gym creation on a budget

Lifestyle

Learn to balance mortgage payments with retirement savings. Discover strategies for financial health, understand common pitfalls, and secure your future.

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Balancing mortgage payments with retirement saving for long-term financial health

Lifestyle

There are a few things you should know before you buy a home with your partner before marriage, to save yourself from any potential headaches (and heartaches)

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What you need to know before buying a home with your partner before marriage

Lifestyle

If you can afford to, renovating your home is a win-win. Not only will it feel a bit more like home sweet home, you'll also add more value to your property.

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The home renovations that will increase your property value

Lifestyle

Whether you're a seasoned spring cleaner or just getting started, here are things to consider when sprucing up your home–especially if you’ve just moved in.

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Freshen up your home: 10 overlooked areas to spring clean

Lifestyle

What do you do if you and your partner both have separate homes and separate mortgages? Take a minute to think about what you want and weigh all your options.

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Moving in: What to do when both you and your partner have a mortgage

Lifestyle

While you’ve probably started planning for a bigger home, if you’re also on maternity leave, it's important to note this might impact your mortgage approval.

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Can you get a mortgage while on maternity leave?