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Why a reverse mortgage should be a last resort for most Canadian retirees

Reverse mortgages do the job of freeing up income for house-rich, cash-poor Canadian seniors. But their terms are often...

Real Estate

Open bidding in Ontario: Game-changer or business as usual?

An Ontario law came into effect last year, designed to add transparency to the home-bidding process. Has it changed...

Ask a Planner

A parents’ guide to home down payment gifts and loans

Many parents loan or gift money to their adult children for real estate purchases. Here are the legal and...

FHSA

Can you use the FHSA and HBP together?

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Real Estate

Yes, a cottage is an investment property—here’s how to minimize capital gains tax

Should you “invest” in a cottage? And if you do, what happens when you sell it, give it away...

Mortgages

The after-effect of market lows: a drop in fixed mortgage rates

Some investors might look at their portfolios, but Canadians getting a mortgage (or renewing one) should keep an eye...

Taxes

Can I sell my cottage tax-free?

Is there a tax exemption for capital gains? No, but find out how to allocate your principal residence exemption...

Taxes

Inheriting cottage and the capital gains implications

Jill's late husband left her a cottage. What happens if she transfers ownership to her stepchildren?

Taxes

Reducing capital gains on a cottage

With planning and the right documents, the capital gains tax owing on a family cottage can be lowered. Here...