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GTA and Toronto Mortgage Closing Costs in 1-2-3

GTA and Toronto Mortgage Closing Costs in 1-2-3

When you buy a house or refinance, the mortgage closing costs can add up quickly. Those costs can be even higher if you’re living in an urban area, like Toronto or the GTA. Here are some of the closing fees you might encounter and what they could…

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How to Buy a Vehicle Based on Payment vs. Value

How to Buy a Vehicle Based on Payment vs. Value

What criteria do you use when deciding how to buy a vehicle? Most people take two things into consideration — the car payment financing and how much the vehicle is worth. The car payment financing tells you how much you’ll have to spend each month to pay…

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Happy Thanksgiving Weekend from Prudent Financial

Happy Thanksgiving Weekend from Prudent Financial

Happy Thanksgiving weekend, Canada, from all of us at Prudent Financial! What are you thankful for this year? We’re grateful for good friends, loving family, our beautiful country, and, of course, turkey! Enjoy the long weekend and holiday.

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Accessing Home Equity When Another Person is On Title and Won’t Sign

Accessing Home Equity When Another Person is On Title and Won’t Sign

It’s tough when you have a ton of equity in your home that you can’t use. This happens often when people who have parents or spouses with separate finances on the property title. You don’t necessarily want to share every little bit of your financial business and…

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Why Can’t I Refinance My House in an Undischarged Bankruptcy or in a Consumer Proposal?

Why Can’t I Refinance My House in an Undischarged Bankruptcy or in a Consumer Proposal?

We are frequently asked this question: can I refinance my house after filing for bankruptcy or filing for a consumer proposal? Often, consumers are told by banks and other financial institutions that they can’t borrow money while in an undischarged bankruptcy or in a consumer proposal. But…

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Prudent Helps People Get Out of Debt: “Thanks to All of You, My Life Can Now Get Back on Track”

Prudent Helps People Get Out of Debt: “Thanks to All of You, My Life Can Now Get Back on Track”

We recently received this testimonial from a client who came to Prudent Financial looking to get out of debt. This was her experience: To all concerned, I wish to commend the great customer service at Prudent Financial. I did some extensive research and made an appointment to…

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Did You Know That Prudent Offers Second Mortgages?

Did You Know That Prudent Offers Second Mortgages?

A Prudent Mortgage Corp. second mortgage is one of the best deals you’ll find. Borrow up to 80% of your home’s value. We offer reasonable second mortgage rates and interest rates and we always assess you based on your merits. Consumer proposal okay! Bad credit okay! Self-employed…

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Canadian Consumer Debt Gets a Break: Bank of Canada Interest Rate Holding at 1.5% for September 2018

Canadian Consumer Debt Gets a Break: Bank of Canada Interest Rate Holding at 1.5% for September 2018

Good news for Canadian consumer debt — the Bank of Canada interest rate isn’t going up this month. On September 5, 2018, the Bank of Canada (BOC) announced interest rates will stay at 1.5% for the time being. The rate had increased from 1.25% to 1.5% in…

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Alternative Lenders to Payday Loans and How to Choose One

Alternative Lenders to Payday Loans and How to Choose One

Payday loans can seem like one of the best loans for bad credit. After all, payday loans: Get you money, fast. Don’t check your credit score. Are approved based on pay — all you need to qualify is a job. But upon closer inspection, there are far…

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Our Guide to Getting a Secured Credit Card When You Don’t Have the Deposit Money

Our Guide to Getting a Secured Credit Card When You Don’t Have the Deposit Money

A secured credit card is one of the best ways to rebuild your credit. While credit cards have their dangers, like racking up a big limit with no way to repay it, they are also essential for many things in our society: You need a credit card…

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