Taxes

How to save on capital gains tax when selling a rental property

A reader wonders if he should buy his parents’ rental property or wait to inherit it, based on the...

Debt

Will credit card debt affect my mortgage application?

Having debt isn’t necessarily a problem. But the size of your debt and your history of repayment could affect...

Taxes

Capital gains when selling property to family

If you sell a property to a relative for a bargain price, does that mean you pay less tax...

Mortgages

Why the mortgage stress test isn’t the villain it was made out to be

The mortgage qualifying tool has been subject to plenty of criticism. However, with rising interest rates, it may be...

Mortgages

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Capital gains on subdivided land, and HST on vacant land

For property that you can subdivide, you can sell some of the land and build a house on the...

Real Estate

Principal residence exemption on death and capital gains with joint tenancy

There are rules around capital gains on the sale of joint property in Canada. But how does death affect...

Real Estate

Does seasonality matter when selling a home?

These prospective sellers want to know the impact of selling their home in the winter and whether there’s an...

Spend

The real cost of being single

For unpartnered people, everything from housing to grocery shopping comes with a higher price tag. Here’s what you should...