Buying a home can be a very overwhelming experience, but if you are prepared and have contracted the right advisors, it can be a smooth and enjoyable process. What to do when you’re a first-time home-buyer: 1. Get pre-approved. Getting pre-approved for a mortgage is an important first step in the home-buying process. You don’t want to start house-hunting and …

Tips to Improve Your Credit Score

There are some simple, yet counterintuitive tips to improve your credit score. For example, according to CanWise Financial’s President James Laird, “If it’s not a bankruptcy sheet and not a consumer proposal, we most commonly see borrowers who have balances over their limit, so while it’s somewhat counterintuitive, get a higher limit because it helps your credit score if your …