https://www.ratehub.ca/blog/bank-of-canada-holds-rate-at-2-25-for-third-time-in-march-2026-announcement/ https://i.ytimg.com/vi/9_oZIUP9ji0/default.jpg March 18, 2026: Bank of Canada announcement https://www.youtube.com/embed/9_oZIUP9ji0 The Bank of Canada held the target for the overnight rate at 2.25% in its March 18, 2026 announcement, keeping rates unchanged for the third consecutive decision. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 00:07 Announcement highlights 01:05 Impact on variable rates 01:18 Impact on fixed rates 01:45 Tips for homebuyers 1:59 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 137 1369 2026-03-18T19:44:40Z Ratehub.ca no https://www.ratehub.ca/blog/renewing-your-mortgage-in-2026-heres-what-to-expect/ https://i.ytimg.com/vi/1zMZR0HtYbQ/default.jpg 3 Tips for Renewing Your Mortgage https://www.youtube.com/embed/1zMZR0HtYbQ Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 Introduction 0:14 Don’t sign the renewal letter 0:49 Shop and switch 2:01 Get a rate hold 2:22 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 159 696 2026-01-23T20:57:21Z Ratehub.ca no https://www.ratehub.ca/blog/what-is-the-total-cost-of-owning-a-car/ https://i.ytimg.com/vi/zUXidB45dyk/default.jpg What is the total cost of owning a car in Canada in 2026? https://www.youtube.com/embed/zUXidB45dyk Ratehub.ca breaks down the total cost of car ownership in Canada in 2026. From car payments to maintenance, fuel, parking, admin fees and insurance, we calculate the average monthly cost of owning a vehicle in Canada. This year, it comes to $1,373 per month. We also compare the total cost of owning a new car vs a used car, showing how your choice impacts your monthly expenses. Learn more about the total cost of owning a car in Canada: https://www.ratehub.ca/blog/what-is-the-total-cost-of-owning-a-car/ Don’t miss out on insurance updates, subscribe here: ‪@RatehubCanada Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 71 199 2026-02-19T17:04:42Z Ratehub.ca no https://www.ratehub.ca/blogue/la-banque-du-canada-maintient-son-taux-directeur-a-225-dans-son-annonce-de-janvier-2026/ https://i.ytimg.com/vi/OCgGDVsgWYc/default.jpg 28 janvier 2026 : annonce de la Banque du Canada https://www.youtube.com/embed/OCgGDVsgWYc Le Mémo hypothécaire de Ratehub.ca : La Banque du Canada amorce 2026 avec sa première décision sur les taux de l’année — et pour la deuxième fois consécutive, elle maintient le taux directeur à 2,25 %. Regardez notre experte Philippe Simard vous expliquer ce que cela signifie : Points saillants de l’annonce Incidence sur les taux variables Incidence sur les taux fixes Conseils pour les acheteurs Points clés à retenir Pour obtenir les meilleurs taux hypothécaires d’aujourd’hui, visitez : https://www.ratehub.ca/best-mortgage-rates Ne manquez aucune mise à jour sur les prêts hypothécaires — abonnez-vous ici : https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Dites-nous en commentaires ce que vous aimeriez voir dans notre prochaine vidéo. Le contenu présenté dans cette vidéo est fourni à titre informatif seulement et ne doit pas être utilisé comme substitut à l’avis d’un professionnel. 64 644 2026-01-28T21:22:19Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-holds-target-interest-rate-at-2-25-in-january-2026-announcement/ https://i.ytimg.com/vi/vAWoAcaMaCQ/default.jpg January 28, 2026: Bank of Canada announcement https://www.youtube.com/embed/vAWoAcaMaCQ Ratehub.ca’s Mortgage Memo: The Bank of Canada has kicked off 2026 with its first rate decision of the year — and for the second time in a row, it’s holding the overnight interest rate at 2.25%. Watch as our expert Penelope Graham breaks it all down: 00:05 Announcement highlights 00:58 Impact on variable rates 01:12 Impact on fixed rates 01:27 Tips for homebuyers 1:54 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 132 2507 2026-01-28T20:26:19Z Ratehub.ca no https://www.ratehub.ca/blogue/la-banque-du-canada-maintient-son-taux-directeur-a-225-dans-son-annonce-de-decembre-2025/ https://i.ytimg.com/vi/HLoxqMzwfSU/default.jpg Annonce de décembre 2025 de la Banque du Canada https://www.youtube.com/embed/HLoxqMzwfSU La Minute Hypothécaire de Ratehub.ca : La Banque du Canada a une nouvelle fois maintenu son taux directeur à 2,25 % dans son annonce du 10 décembre 2025. Qu’est-ce que cela signifie pour vous? Dans cette vidéo, l’experte hypothécaire Philippe Simard explique. Pour obtenir les meilleurs taux hypothécaires du moment, rendez-vous sur le site : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les prêts hypothécaires! Abonnez-vous ici : https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Dites-nous dans les commentaires ce que vous voulez voir dans notre prochaine vidéo. Le contenu de cette vidéo est fourni à titre d'information uniquement. Il n'est pas destiné à être utilisé en lieu et place des conseils d'un professionnel. 63 418 2025-12-11T14:28:40Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-holds-target-interest-rate-at-2-25-in-december-2025-announcement/ https://i.ytimg.com/vi/ludojWCbjPQ/default.jpg December 2025 Bank of Canada Announcement https://www.youtube.com/embed/ludojWCbjPQ Ratehub.ca’s The Mortgage Minute: The Bank of Canada held the target rate at 2.25 per cent in its December 10, 2025 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:00 Announcement highlights 00:56 Impact to variable rates 01:28 Impact to fixed rates 1:50 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 128 1663 2025-12-10T21:10:26Z Ratehub.ca no https://www.ratehub.ca/blogue/la-banque-du-canada-abaisse-son-taux-directeur-a-225-dans-son-annonce-doctobre-2025/ https://i.ytimg.com/vi/KLsaTit280k/default.jpg Annonce de octobre 2025 de la Banque du Canada https://www.youtube.com/embed/KLsaTit280k La Minute Hypothécaire de Ratehub.ca : La Banque du Canada a réduit son taux directeur de 25 points de base, le ramenant à 2,25 % lors de son annonce du 29 octobre 2025. Qu’est-ce que cela signifie pour vous? Dans cette vidéo, l’experte hypothécaire Philippe Simard explique: Points saillants de l’annonce Impact sur votre hypothèque Pour obtenir les meilleurs taux hypothécaires du moment, rendez-vous sur le site : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les prêts hypothécaires! Abonnez-vous ici : https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Dites-nous dans les commentaires ce que vous voulez voir dans notre prochaine vidéo. Le contenu de cette vidéo est fourni à titre d'information uniquement. Il n'est pas destiné à être utilisé en lieu et place des conseils d'un professionnel. 118 508 2025-10-30T13:45:03Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-cuts-target-interest-rate-to-2-25-in-october-2025-announcement/ https://www.ratehub.ca/blog/ontarios-auto-insurance-accident-benefits-reform/ https://i.ytimg.com/vi/0At9vcWQhNA/default.jpg A guide to Ontario’s 2026 auto insurance accident benefits https://www.youtube.com/embed/0At9vcWQhNA Ratehub.ca breaks down the new changes to Ontario's auto insurance accident benefits reform announced by the FSRA. The changes will go into effect on July 1, 2026. What’s changing? - Most accident benefits will become optional (excluding medical, rehabilitation and attendant care) - Drivers will be able to personalize their plans and could unlock cost savings - Insurers will become the primary payor for medical and rehabilitation claims Learn what it all means for you. Visit https://www.ratehub.ca/blog/ontarios-auto-insurance-accident-benefits-reform/ Don’t miss out on insurance updates, subscribe here: ‪‪@RatehubCanada Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 102 610 2025-10-14T16:11:28Z Ratehub.ca no https://www.ratehub.ca/blog/should-i-extend-my-mortgage-amortization/ https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/blogue/la-banque-du-canada-abaisse-son-taux-directeur-a-25-dans-son-annonce-de-septembre-2025/ https://i.ytimg.com/vi/OxRYKlm0qlM/default.jpg Annonce de septembre 2025 de la Banque du Canada https://www.youtube.com/embed/OxRYKlm0qlM La Minute Hypothécaire de Ratehub.ca : La Banque du Canada a réduit son taux directeur de 25 points de base, le ramenant à 2,5 % lors de son annonce du 17 septembre 2025. Qu’est-ce que cela signifie pour vous? Dans cette vidéo, l’experte hypothécaire Penelope Graham explique : Points saillants de l’annonce Impact sur le taux préférentiel Raisons derrière la baisse Impact sur votre hypothèque Effets sur les taux hypothécaires fixes Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les prêts hypothécaires, abonnez-vous ici : https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Dites-nous dans les commentaires ce que vous aimeriez voir dans notre prochaine vidéo. Le contenu de cette vidéo est fourni à titre d'information seulement ; il ne doit pas être utilisé à la place des conseils d'un professionnel. 79 570 2025-09-18T13:15:16Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-cuts-target-interest-rate-to-2-5-in-september-2025-announcement/ https://i.ytimg.com/vi/o4G8iuUrqRY/default.jpg September 2025 Bank of Canada Rate Announcement https://www.youtube.com/embed/o4G8iuUrqRY Ratehub.ca’s The Mortgage Minute: The Bank of Canada cut the target rate by 25 basis points, bringing it down to 2.5 per cent in its September 17, 2025 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:07 Announcement highlights 0:24 Impact on prime rate 00:37 Reasons behind the cut 00:58 Impact on your mortgage 1:24 How it affects fixed mortgage rates 1:51 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 131 1580 2025-09-18T13:15:08Z Ratehub.ca no https://www.ratehub.ca/blog/how-to-get-cheap-car-insurance/ https://i.ytimg.com/vi/-41VJSII_Z0/default.jpg How to get your best rate on home & auto insurance 💰 #insurancetips #costsavings https://www.youtube.com/embed/-41VJSII_Z0 Ratehub.ca shares tips to secure your best rate when shopping for home and auto insurance. Comparing quotes from multiple providers will help you lock in your lowest premium. But timing matters-- most quotes expire within 30, 45 or 60 days depending on the provider. For extra cost savings, bundle your home and auto insurance. Compare affordable quotes with us today 👉 https://www.ratehub.ca/insurance/home-and-auto-bundle Don’t miss out on insurance updates, subscribe here: ‪@RatehubCanada Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 71 211 2025-05-02T14:53:21Z Ratehub.ca no https://www.ratehub.ca/blog/total-cost-traffic-ticket-ontario/ https://i.ytimg.com/vi/TDzFPd_E8sw/default.jpg How much does a traffic ticket really cost in Ontario? https://www.youtube.com/embed/TDzFPd_E8sw Ratehub.ca explains the true cost of getting a traffic ticket in Ontario, including the impact on your auto insurance rates. The findings reveal that even a minor ticket can result in drivers paying nearly $1,000 in additional insurance fees over a three-year period. Ultimately, the initial fine is only a small part of the total cost you'll pay when you have a driving conviction on your record. Learn more about traffic tickets and auto insurance: https://www.ratehub.ca/blog/total-cost-traffic-ticket-ontario/ Don’t miss out on insurance updates, subscribe here: ‪@RatehubCanada Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 94 667 2025-08-28T16:06:37Z Ratehub.ca no https://www.ratehub.ca/blog/how-to-stress-test-your-mortgage/ https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/blogue/la-banque-du-canada-maintient-son-taux-directeur-inchange-a-275-dans-son-annonce-de-juillet-2025/ https://i.ytimg.com/vi/c4T0_2XHcTw/default.jpg Juillet 2025 - Annonce du taux de la Banque du Canada - Les taux demeurent inchangés ! https://www.youtube.com/embed/c4T0_2XHcTw La minute hypothécaire de Ratehub.ca : La Banque du Canada a une nouvelle fois maintenu son taux directeur à 2,75 % dans son annonce du 30 julliet 2025. Qu'est-ce que cela signifie pour vous ? Que cela signifie-t-il pour vos finances ? Dans cette vidéo, Philippe Simard, expert en hypothèques, vous explique tout, notamment : 0:00 Les grandes lignes de l'annonce 0:32 Facteurs influant la décision de la Banque du Canada 0:46 Impact de la décision sur les taux hypothécaires 0:52 Décisions à venir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les prêts hypothécaires, abonnez-vous ici : https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Dites-nous dans les commentaires ce que vous aimeriez voir dans notre prochaine vidéo. Le contenu de cette vidéo est fourni à titre d'information seulement ; il ne doit pas être utilisé à la place des conseils d'un professionnel. 85 588 2025-07-31T14:02:55Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-leaves-target-interest-rate-unchanged-at-2-75-in-july-2025-announcement/ https://i.ytimg.com/vi/mBQae7BYSmA/default.jpg July 2025 Bank of Canada Rate Announcement https://www.youtube.com/embed/mBQae7BYSmA Ratehub.ca’s The Mortgage Minute: The Bank of Canada held the target rate steady at 2.75 per cent in its July 30, 2025 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:00 Announcement highlights 0:24 Reasons behind the rate hold 00:45 Future of rate cuts 00:59 Impact on mortgage rates 1:23 Impact on housing market 1:41 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 119 2422 2025-07-30T20:23:22Z Ratehub.ca no https://www.ratehub.ca/blog/renewing-your-mortgage-in-2025-heres-what-to-expect/ https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/blog/how-to-buy-a-house-in-canada/ https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/blog/25-us-auto-tariffs-vehicle-prices-canada/ https://i.ytimg.com/vi/v-IUsudKcT0/default.jpg What 25% U.S. auto tariffs mean for car prices in Canada #autotariffs #insurance #autoinsurance https://www.youtube.com/embed/v-IUsudKcT0 Ratehub.ca breaks down what the 25% U.S. auto tariffs mean for the price of vehicles in Canada. Learn how these tariffs impact Canada's auto sector, from production costs, to the price of new and used vehicles, maintenance and repairs and auto insurance. Read the full breakdown. Visit https://www.ratehub.ca/blog/25-us-auto-tariffs-vehicle-prices-canada/ Don’t miss out on insurance updates, subscribe here: ‪@RatehubCanada Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 285 34 2025-04-24T15:10:19Z Ratehub.ca no https://www.ratehub.ca/blogue/la-banque-du-canada-maintient-son-taux-directeur-a-275-dans-son-annonce-de-juin-2025/ https://i.ytimg.com/vi/HenXsoxEZAs/default.jpg June 2025 Bank of Canada Rate Announcement - Rates left unchanged again! https://www.youtube.com/embed/HenXsoxEZAs Ratehub.ca’s The Mortgage Minute: The Bank of Canada held the target interest rate at 2.75 per cent in its June 4, 2025 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:00 Announcement highlights 1:05 Impact on your mortgage 1:38 Impact on housing market 2:10 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 133 2727 2025-06-04T20:45:29Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-holds-target-interest-rate-at-2-75-in-june-2025-announcement/ https://i.ytimg.com/vi/HenXsoxEZAs/default.jpg June 2025 Bank of Canada Rate Announcement - Rates left unchanged again! https://www.youtube.com/embed/HenXsoxEZAs Ratehub.ca’s The Mortgage Minute: The Bank of Canada held the target interest rate at 2.75 per cent in its June 4, 2025 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:00 Announcement highlights 1:05 Impact on your mortgage 1:38 Impact on housing market 2:10 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 133 2727 2025-06-04T20:45:29Z Ratehub.ca no https://www.ratehub.ca/blog/how-to-renew-your-mortgage-with-a-new-lender/ https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/blog/can-you-pay-off-mortgage-at-renewal/ https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/blog/what-happens-if-your-mortgage-renewal-is-denied/ https://i.ytimg.com/vi/9-wAfls_Rk4/default.jpg 2025 Mortgage Rule Changes for Homebuyers https://www.youtube.com/embed/9-wAfls_Rk4 Ratehub.ca’s The Mortgage Memo: Major mortgage qualification rules are changing in 2025, especially for first-time homebuyers. Are you ready? In this video, our expert, Penelope Graham, unpacks: 0:00 Overview of 2025 Mortgage Rule Changes 0:44 Updates to Amortization Periods 1:00 Key Changes for Insured Mortgages 1:07 New Down Payment Requirements 1:24 Important Takeaways for Homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 113 5227 2024-12-19T17:32:47Z Ratehub.ca no https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/blog/action-plan-if-you-cant-afford-mortgage-renewal/ https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/blog/5-mortgage-renewal-tips/ https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://i.ytimg.com/vi/ia-6FO6IBL8/default.jpg How to take advantage of future lower rates https://www.youtube.com/embed/ia-6FO6IBL8 With many experts predicting that the Bank of Canada will be carrying out rate cuts in the latter half of 2024 and into 2025, lots of people are thinking about how to take advantage of future lower mortgage rates. What kind of mortgage is best to get? In this video, James Laird, Co-CEO of Ratehub.ca and President of CanWise mortgage lender, goes over your options and breaks down the pros and cons of each. 0:15 What kind of mortgage should I get to take advantage of future lower rates? 0:21 Get a short-term fixed-rate mortgage 0:37 Get a variable-rate mortgage 01:21 Key takeaways To get today’s best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates! Subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what would you like to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 105 12097 2024-04-23T15:32:01Z Ratehub.ca no https://www.ratehub.ca/blog/renewing-your-five-year-mortgage-term-expect-to-pay-15-more-per-month/ https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/blogue/banque-du-canada-maintient-taux-directeur-275-avril-2025/ https://i.ytimg.com/vi/GDGcD4OhxMU/default.jpg Avril 2025 - Annonce du taux de la Banque du Canada - Maintien à 2,75% https://www.youtube.com/embed/GDGcD4OhxMU La minute hypothécaire de Ratehub.ca : Le 16 avril 2025, la Banque du Canada a décidé de maintenir son taux directeur à 2,75 %. Il s'agit du premier maintien du taux directeur après 7 baisses consécutives depuis juin 2024. Que cela signifie-t-il pour vos finances ? Dans cette vidéo, Philippe Simard, expert en hypothèques, vous explique tout, notamment : 0:00 Les grandes lignes de l'annonce 0:21 Facteurs influant la décision de la Banque du Canada 0:45 Impact de la décision sur les taux hypothécaires 0:54 Décisions à venir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/comparez?lang=fr Ne manquez pas les mises à jour sur les prêts hypothécaires, abonnez-vous ici : @RatehubCanada Dites-nous dans les commentaires ce que vous aimeriez voir dans notre prochaine vidéo. Le contenu de cette vidéo est fourni à titre d'information seulement ; il ne doit pas être utilisé à la place des conseils d'un professionnel. 73 789 2025-04-16T17:20:00Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-holds-target-interest-rate-at-2-75-in-april-2025-announcement/ https://i.ytimg.com/vi/x8SDFe8jGWE/default.jpg April 2025 Bank of Canada Rate Announcement - A rate hold! https://www.youtube.com/embed/x8SDFe8jGWE Ratehub.ca’s The Mortgage Minute: The Bank of Canada held the target interest rate at 2.75 per cent in its April 16, 2025 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:00 Announcement highlights 1:07 Impact on your mortgage 1:39 Impact on home prices 1:53 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 130 3078 2025-04-16T20:02:49Z Ratehub.ca no https://www.ratehub.ca/mortgage-renewal https://i.ytimg.com/vi/1zMZR0HtYbQ/default.jpg 3 Tips for Renewing Your Mortgage https://www.youtube.com/embed/1zMZR0HtYbQ Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 Introduction 0:14 Don’t sign the renewal letter 0:49 Shop and switch 2:01 Get a rate hold 2:22 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 159 696 2026-01-23T20:57:21Z Ratehub.ca no https://www.ratehub.ca/hypothèque-taux-historique-canada https://i.ytimg.com/vi/GDGcD4OhxMU/default.jpg Avril 2025 - Annonce du taux de la Banque du Canada - Maintien à 2,75% https://www.youtube.com/embed/GDGcD4OhxMU La minute hypothécaire de Ratehub.ca : Le 16 avril 2025, la Banque du Canada a décidé de maintenir son taux directeur à 2,75 %. Il s'agit du premier maintien du taux directeur après 7 baisses consécutives depuis juin 2024. Que cela signifie-t-il pour vos finances ? Dans cette vidéo, Philippe Simard, expert en hypothèques, vous explique tout, notamment : 0:00 Les grandes lignes de l'annonce 0:21 Facteurs influant la décision de la Banque du Canada 0:45 Impact de la décision sur les taux hypothécaires 0:54 Décisions à venir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/comparez?lang=fr Ne manquez pas les mises à jour sur les prêts hypothécaires, abonnez-vous ici : @RatehubCanada Dites-nous dans les commentaires ce que vous aimeriez voir dans notre prochaine vidéo. Le contenu de cette vidéo est fourni à titre d'information seulement ; il ne doit pas être utilisé à la place des conseils d'un professionnel. 73 789 2025-04-16T17:20:00Z Ratehub.ca no https://www.ratehub.ca/blogue/la-banque-du-canada-reduit-son-taux-directeur-de-025-lors-de-son-annonce-de-mars-2025/ https://i.ytimg.com/vi/cnQi_eTSsyA/default.jpg Mars 2025 - Annonce du taux de la Banque du Canada - Encore une baisse de 0,25% ! https://www.youtube.com/embed/cnQi_eTSsyA La minute hypothécaire de Ratehub.ca : Le 12 mars 2025, la Banque du Canada a abaissé son taux directeur de 25 points de base, le ramenant à 2,75 %. Que signifie cette baisse pour vous? Dans cette vidéo, Philippe Simard, expert en hypothèques, vous explique tout, notamment : 0:00 Les grandes lignes de l'annonce 0:20 Etat de l’inflation et position face aux tarifs douaniers américains 0:49 Décisions à venir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/comparez?lang=fr Ne manquez pas les mises à jour sur les prêts hypothécaires, abonnez-vous ici : @RatehubCanada Dites-nous dans les commentaires ce que vous aimeriez voir dans notre prochaine vidéo. Le contenu de cette vidéo est fourni à titre d'information seulement ; il ne doit pas être utilisé à la place des conseils d'un professionnel. 76 766 2025-03-12T17:37:22Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-cuts-target-interest-rate-by-0-25-in-march-2025-announcement/ https://i.ytimg.com/vi/XUP8fZryXQk/default.jpg March 2025 Bank of Canada Rate Announcement - Another 0.25% rate cut! https://www.youtube.com/embed/XUP8fZryXQk Ratehub.ca’s The Mortgage Minute: The Bank of Canada reduced the target interest rate by 25 basis points to 2.75 per cent in its March 12, 2025 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:00 Announcement highlights 0:29 Tariff’s impact on the announcement 1:12 Impact on your mortgage 1:54 Impact on home prices 2:10 Get a pre-approval 2:23 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 161 4746 2025-03-12T20:25:41Z Ratehub.ca no https://www.ratehub.ca/blog/avoiding-7-common-pitfalls-during-mortgage-renewal/ https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-cuts-target-interest-rate-by-0-25-in-january-2025-announcement/ https://i.ytimg.com/vi/Mls38-MpSIA/default.jpg January 2025 Bank of Canada Rate Announcement - Another rate cut! https://www.youtube.com/embed/Mls38-MpSIA Ratehub.ca’s The Mortgage Minute: The Bank of Canada reduced the target interest rate by 25 basis points to 3 per cent in its January 29, 2025 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:00 Announcement highlights 1:23 Impact on your mortgage 1:58 Tip: Get a pre-approval 2:12 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 150 3880 2025-01-29T21:35:30Z Ratehub.ca no https://www.ratehub.ca/inflation-indice-des-prix-consommation-canada https://i.ytimg.com/vi/qlnKp6_oGVg/default.jpg 18 mars 2026 : Annonce de la Banque du Canada https://www.youtube.com/embed/qlnKp6_oGVg La Banque du Canada a maintenu le taux cible du financement à un jour à 2,25 % lors de son annonce du 18 mars 2026, laissant les taux inchangés pour la troisième décision consécutive. Qu'est-ce que cela signifie pour vous ? Dans cette vidéo, l'expert en hypothèques Philippe Simard aborde : Les points saillants de l'annonce L'impact sur les taux variables L'impact sur les taux fixes Des conseils pour les acheteurs Les points clés à retenir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les hypothèques, abonnez-vous ici : __ https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1__ Dites-nous dans les commentaires : qu'aimeriez-vous voir dans notre prochaine vidéo ? Le contenu de cette vidéo est fourni à titre informatif seulement ; il ne doit pas être utilisé en remplacement des conseils d'un professionnel. 90 270 2026-03-19T13:04:53Z Ratehub.ca no https://www.ratehub.ca/taux-directeur-au-canada https://i.ytimg.com/vi/qlnKp6_oGVg/default.jpg 18 mars 2026 : Annonce de la Banque du Canada https://www.youtube.com/embed/qlnKp6_oGVg La Banque du Canada a maintenu le taux cible du financement à un jour à 2,25 % lors de son annonce du 18 mars 2026, laissant les taux inchangés pour la troisième décision consécutive. Qu'est-ce que cela signifie pour vous ? Dans cette vidéo, l'expert en hypothèques Philippe Simard aborde : Les points saillants de l'annonce L'impact sur les taux variables L'impact sur les taux fixes Des conseils pour les acheteurs Les points clés à retenir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les hypothèques, abonnez-vous ici : __ https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1__ Dites-nous dans les commentaires : qu'aimeriez-vous voir dans notre prochaine vidéo ? Le contenu de cette vidéo est fourni à titre informatif seulement ; il ne doit pas être utilisé en remplacement des conseils d'un professionnel. 90 270 2026-03-19T13:04:53Z Ratehub.ca no https://www.ratehub.ca/taux-preferentiel-au-canada https://i.ytimg.com/vi/qlnKp6_oGVg/default.jpg 18 mars 2026 : Annonce de la Banque du Canada https://www.youtube.com/embed/qlnKp6_oGVg La Banque du Canada a maintenu le taux cible du financement à un jour à 2,25 % lors de son annonce du 18 mars 2026, laissant les taux inchangés pour la troisième décision consécutive. Qu'est-ce que cela signifie pour vous ? Dans cette vidéo, l'expert en hypothèques Philippe Simard aborde : Les points saillants de l'annonce L'impact sur les taux variables L'impact sur les taux fixes Des conseils pour les acheteurs Les points clés à retenir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les hypothèques, abonnez-vous ici : __ https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1__ Dites-nous dans les commentaires : qu'aimeriez-vous voir dans notre prochaine vidéo ? Le contenu de cette vidéo est fourni à titre informatif seulement ; il ne doit pas être utilisé en remplacement des conseils d'un professionnel. 90 270 2026-03-19T13:04:53Z Ratehub.ca no https://www.ratehub.ca/blog/2024-marked-transitionary-year-for-gta-real-estate/ https://i.ytimg.com/vi/9-wAfls_Rk4/default.jpg 2025 Mortgage Rule Changes for Homebuyers https://www.youtube.com/embed/9-wAfls_Rk4 Ratehub.ca’s The Mortgage Memo: Major mortgage qualification rules are changing in 2025, especially for first-time homebuyers. Are you ready? In this video, our expert, Penelope Graham, unpacks: 0:00 Overview of 2025 Mortgage Rule Changes 0:44 Updates to Amortization Periods 1:00 Key Changes for Insured Mortgages 1:07 New Down Payment Requirements 1:24 Important Takeaways for Homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 113 5227 2024-12-19T17:32:47Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-cuts-target-interest-rate-by-0-5-in-december-2024-announcement/ https://i.ytimg.com/vi/756hh9bnt8Y/default.jpg December 2024 Bank of Canada Rate Announcement - Another half percentage point rate cut! https://www.youtube.com/embed/756hh9bnt8Y Ratehub.ca’s The Mortgage Minute: The Bank of Canada reduced the target interest rate by 50 basis points to 3.25 per cent in its December 11, 2024 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:00 Announcement highlights 0:57 Impact on mortgage rates 1:33 Impact on home prices 1:45 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 123 4237 2024-12-11T21:48:20Z Ratehub.ca no https://www.ratehub.ca/mortgage-renewal-rates https://i.ytimg.com/vi/1zMZR0HtYbQ/default.jpg 3 Tips for Renewing Your Mortgage https://www.youtube.com/embed/1zMZR0HtYbQ Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 Introduction 0:14 Don’t sign the renewal letter 0:49 Shop and switch 2:01 Get a rate hold 2:22 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 159 696 2026-01-23T20:57:21Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-cuts-target-interest-rate-by-0-5-in-october-announcement/ https://i.ytimg.com/vi/OPsNY_dUE9Y/default.jpg October 2024 Bank of Canada Rate Announcement - A half percentage point rate cut! https://www.youtube.com/embed/OPsNY_dUE9Y Ratehub.ca’s The Mortgage Minute: The Bank of Canada reduced the target interest rate by 50 basis points to 3.75 per cent in its October 23, 2024 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:00 Announcement highlights 1:03 Impact on variable mortgage rates 1:28 Impact on fixed mortgage rates 1:49 What are your mortgage options? 2:26 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 163 3876 2024-10-23T20:41:59Z Ratehub.ca no https://www.ratehub.ca/blog/most-expensive-ontario-cities-for-auto-insurance/ https://i.ytimg.com/vi/ZmjS1AOXBSc/default.jpg The cost of auto insurance premiums in Ontario #insurance #autoinsurance https://www.youtube.com/embed/ZmjS1AOXBSc Ratehub.ca’s report breaks down which Ontario cities have the most expensive auto insurance. The results may shock you (or not). Check to see if you live in a city with costly car insurance. Visit https://www.ratehub.ca/blog/most-expensive-ontario-cities-for-auto-insurance/ Don’t miss out on insurance updates, subscribe here: ‪@RatehubCanada Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 90 637 2025-03-21T18:55:13Z Ratehub.ca no https://www.ratehub.ca/blog/7-tips-to-get-approved-for-a-mortgage/ https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/blog/first-home-savings-account-what-you-should-know/ https://i.ytimg.com/vi/Ly5RgnhMsCw/default.jpg FHSA explained - How to use the First Home Savings Account https://www.youtube.com/embed/Ly5RgnhMsCw The Mortgage Memo: The First Home Savings Account (FHSA) is the latest tool provided by the federal government to help first-time home buyers save up for a down payment. In this video, Ratehub.ca’s Director of Content, Penelope Graham, discusses: 0:00 What is the FHSA? 0:27 Key features of the FHSA 1:06 What makes the FHSA different? 1:48 Investing your FHSA 2:05 How to access your FHSA funds 2:15 Where to get an FHSA Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 158 828 2023-05-18T15:22:56Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-cuts-target-interest-rate-by-0-25-in-september-2024-announcement/ https://i.ytimg.com/vi/t0XGpGSfGgM/default.jpg September 2024 Bank of Canada Rate Announcement - A third consecutive rate cut! https://www.youtube.com/embed/t0XGpGSfGgM Ratehub.ca’s The Mortgage Minute: The Bank of Canada reduced the target interest rate by 25 basis points to 4.25 per cent in its September 4, 2024 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:00 What the Bank of Canada announced 0:37 Impact on variable mortgage rates 0:47 Mortgage payment calculation 1:06 Impact on fixed mortgage rates 1:21 Impact on home prices 1:43 What are your mortgage options? 2:09 Tip! Get a rate hold 2:27 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 165 4132 2024-09-04T20:01:45Z Ratehub.ca no https://www.ratehub.ca/blog/how-early-should-i-renew-my-mortgage/ https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/mortgages/canada-housing-affordability https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-cuts-target-interest-rate-by-0-25-in-july-2024-announcement/ https://i.ytimg.com/vi/YPtgkaloXDk/default.jpg July 2024 Bank of Canada Rate Announcement - Another rate cut! https://www.youtube.com/embed/YPtgkaloXDk Ratehub.ca’s The Mortgage Minute: The Bank of Canada reduced the target interest rate by 25 basis points to 4.50 per cent in its July 24, 2024 announcement. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 0:00 What the Bank of Canada announced 0:41 Impact on variable mortgage rates 0:56 Mortgage payment calculation 1:14 Impact on fixed mortgage rates 1:44 Impact on home prices 2:05 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 143 5237 2024-07-24T20:14:39Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-cuts-target-interest-rate-by-0-25-in-june-2024-announcement/ https://i.ytimg.com/vi/jT26eMF8VGM/default.jpg June 2024 Bank of Canada Rate Announcement - The first rate cut in over four years! https://www.youtube.com/embed/jT26eMF8VGM Ratehub.ca’s The Mortgage Minute: The Bank of Canada reduced the target interest rate by 25 basis points to 4.75 per cent in its June 5, 2024 announcement. What does this mean for you? In this video, mortgage expert James Laird discusses: 0:00 What the Bank of Canada announced 0:45 Impact on mortgage rates 1:10 Impact on home prices 1:32 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 110 3814 2024-06-05T18:52:04Z Ratehub.ca no https://www.ratehub.ca/blog/should-you-borrow-for-your-down-payment/ https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/blog/where-to-get-the-first-home-savings-account/ https://i.ytimg.com/vi/Ly5RgnhMsCw/default.jpg FHSA explained - How to use the First Home Savings Account https://www.youtube.com/embed/Ly5RgnhMsCw The Mortgage Memo: The First Home Savings Account (FHSA) is the latest tool provided by the federal government to help first-time home buyers save up for a down payment. In this video, Ratehub.ca’s Director of Content, Penelope Graham, discusses: 0:00 What is the FHSA? 0:27 Key features of the FHSA 1:06 What makes the FHSA different? 1:48 Investing your FHSA 2:05 How to access your FHSA funds 2:15 Where to get an FHSA Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 158 828 2023-05-18T15:22:56Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-holds-target-interest-rate-at-5-in-april-2024-announcement/ https://i.ytimg.com/vi/BNrZXasoZm8/default.jpg April 2024 Bank of Canada Rate Announcement - A sixth consecutive rate hold https://www.youtube.com/embed/BNrZXasoZm8 Ratehub.ca’s The Mortgage Minute: The Bank of Canada held the target interest rate at five per cent in its April 10, 2024 announcement. What does this mean for you? In this video, mortgage expert James Laird discusses: 0:00 What the Bank of Canada announced 0:38 Impact on mortgage rates 0:52 Impact on home prices 1:12 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 89 2941 2024-04-11T13:04:45Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-holds-target-interest-rate-at-5-in-march-2024-announcement/ https://i.ytimg.com/vi/0i0EMTOOcY8/default.jpg March 2024 Bank of Canada Rate Announcement - It’s another rate hold https://www.youtube.com/embed/0i0EMTOOcY8 Ratehub.ca’s The Mortgage Minute: The Bank of Canada held the target interest rate at five per cent in its March 6, 2024 announcement. What does this mean for you? In this video, mortgage expert James Laird discusses: 0:00 What the Bank of Canada announced 0:37 Impact on mortgage rates 1:07 Impact on home prices 1:30 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 107 3647 2024-03-06T22:17:14Z Ratehub.ca no https://www.ratehub.ca/blog/can-i-afford-a-million-dollar-home/ https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-holds-target-interest-rate-at-5-in-january-2024-announcement/ https://i.ytimg.com/vi/c6xekhWF6wI/default.jpg January 2024 Bank of Canada Rate Announcement - A fourth consecutive rate hold! https://www.youtube.com/embed/c6xekhWF6wI Ratehub.ca’s The Mortgage Minute: The Bank of Canada held the target interest rate at five per cent in its January 24, 2024 announcement. What does this mean for you? In this video, mortgage expert James Laird discusses: 0:00 What the Bank of Canada announced 0:47 Impact on mortgage rates 1:02 Impact on home prices 1:24 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 102 4186 2024-01-25T13:18:50Z Ratehub.ca no https://www.ratehub.ca/blog/6-financial-trends-for-2024/ https://i.ytimg.com/vi/Ly5RgnhMsCw/default.jpg FHSA explained - How to use the First Home Savings Account https://www.youtube.com/embed/Ly5RgnhMsCw The Mortgage Memo: The First Home Savings Account (FHSA) is the latest tool provided by the federal government to help first-time home buyers save up for a down payment. In this video, Ratehub.ca’s Director of Content, Penelope Graham, discusses: 0:00 What is the FHSA? 0:27 Key features of the FHSA 1:06 What makes the FHSA different? 1:48 Investing your FHSA 2:05 How to access your FHSA funds 2:15 Where to get an FHSA Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 158 828 2023-05-18T15:22:56Z Ratehub.ca no https://www.ratehub.ca/blog/renewing-your-mortgage-in-2024-heres-what-to-expect/ https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-holds-its-target-interest-rate-at-5-in-december-announcement/ https://i.ytimg.com/vi/d8UY2GfAv1s/default.jpg December 2023 Bank of Canada Rate Announcement - A good news announcement? https://www.youtube.com/embed/d8UY2GfAv1s Ratehub.ca’s The Mortgage Minute: The Bank of Canada held the target interest rate at five per cent in its December 6, 2023 announcement. What does this mean for you? In this video, mortgage expert James Laird discusses: 0:00 What the Bank of Canada announced 0:24 Canadian inflation by month 0:33 Impact on fixed mortgage rates 0:44 Impact on variable mortgage rates 0:55 Impact on home prices in Canada 1:13 Recap and key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 95 4734 2023-12-06T21:23:05Z Ratehub.ca no https://www.ratehub.ca/mortgage-rate-history-canada https://i.ytimg.com/vi/9_oZIUP9ji0/default.jpg March 18, 2026: Bank of Canada announcement https://www.youtube.com/embed/9_oZIUP9ji0 The Bank of Canada held the target for the overnight rate at 2.25% in its March 18, 2026 announcement, keeping rates unchanged for the third consecutive decision. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 00:07 Announcement highlights 01:05 Impact on variable rates 01:18 Impact on fixed rates 01:45 Tips for homebuyers 1:59 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 137 1369 2026-03-18T19:44:40Z Ratehub.ca no https://www.ratehub.ca/mortgages/insured-insurable-uninsured-mortgage https://i.ytimg.com/vi/P3eEIx-WgxU/default.jpg 2025 Changes To The Minimum Mortgage Down Payment https://www.youtube.com/embed/P3eEIx-WgxU Ratehub.ca’s The Mortgage Memo: The minimum mortgage down payment rules are changing in 2025, and these updates could have a big impact on how much you need to save for your home. In this video, our mortgage expert, Penelope Graham explains: 0:00 Overview of 2025 mortgage reforms 1:03 Changes in downpayment requirements 1:25 Impact on affordability 2:30 Key considerations for homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 185 1136 2024-12-20T18:01:52Z Ratehub.ca no https://i.ytimg.com/vi/3HKouhzvagg/default.jpg How much mortgage can you afford? - Home affordability in Canada https://www.youtube.com/embed/3HKouhzvagg Ratehub.ca’s The Mortgage Memo: If you’re shopping for a home or doing a refinance, you may be wondering, “How much mortgage can I afford?” In this video, national mortgage expert, James Laird, discusses: 0:00 Intro 0:19 Mortgage qualification factors 0:29 Minimum down payment requirements 0:50 Credit score requirements 1:01 Household income 1:25 Impact of other expenses 2:11 How to estimate your mortgage amount To easily calculate how much mortgage you can afford, visit Ratehub.ca’s Mortgage Affordability Calculator: https://www.ratehub.ca/mortgage-affordability-calculator Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 160 2661 2023-05-25T20:06:42Z Ratehub.ca no https://www.ratehub.ca/blog/think-mortgage-rates-will-drop-the-argument-for-getting-a-variable-rate-now/ https://i.ytimg.com/vi/LbJv69qPlo0/default.jpg 3 tips for renewing your mortgage in 2024 – The first one might surprise you! https://www.youtube.com/embed/LbJv69qPlo0 Ratehub.ca’s The Mortgage Memo: With today’s high mortgage rates, you might be feeling uneasy if your mortgage is up for renewal in 2024. There are some things you can do to put yourself in a good position to get a good rate at renewal. In this video, mortgage expert James Laird discusses: 0:00 Overview 0:25 Don’t renew early with existing lender 0:55 Secure rate holds 1:13 Shop around for the best rate 1:31 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 108 6350 2024-02-29T19:14:12Z Ratehub.ca no https://i.ytimg.com/vi/ia-6FO6IBL8/default.jpg How to take advantage of future lower rates https://www.youtube.com/embed/ia-6FO6IBL8 With many experts predicting that the Bank of Canada will be carrying out rate cuts in the latter half of 2024 and into 2025, lots of people are thinking about how to take advantage of future lower mortgage rates. What kind of mortgage is best to get? In this video, James Laird, Co-CEO of Ratehub.ca and President of CanWise mortgage lender, goes over your options and breaks down the pros and cons of each. 0:15 What kind of mortgage should I get to take advantage of future lower rates? 0:21 Get a short-term fixed-rate mortgage 0:37 Get a variable-rate mortgage 01:21 Key takeaways To get today’s best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates! Subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what would you like to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 105 12097 2024-04-23T15:32:01Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-holds-target-interest-rate-at-5-in-october-announcement/ https://i.ytimg.com/vi/mavHDK6_xME/default.jpg October 2023 Bank of Canada Rate Announcement - Another rate hold! https://www.youtube.com/embed/mavHDK6_xME Ratehub.ca’s The Mortgage Minute: The Bank of Canada held the target interest rate at five per cent in its October 25, 2023 announcement. What does this mean for you? In this video, mortgage expert James Laird discusses: 0:00 Bank of Canada announcement 0:19 Canadian inflation by month 0:30 Announcement highlights 0:49 Impact on variable and fixed mortgage rates 0:59 Impact on home prices in Canada 1:16 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 90 9110 2023-10-25T20:12:13Z Ratehub.ca no https://www.ratehub.ca/blog/what-is-the-difference-between-fhsa-and-home-buyers-plan/ https://i.ytimg.com/vi/Ly5RgnhMsCw/default.jpg FHSA explained - How to use the First Home Savings Account https://www.youtube.com/embed/Ly5RgnhMsCw The Mortgage Memo: The First Home Savings Account (FHSA) is the latest tool provided by the federal government to help first-time home buyers save up for a down payment. In this video, Ratehub.ca’s Director of Content, Penelope Graham, discusses: 0:00 What is the FHSA? 0:27 Key features of the FHSA 1:06 What makes the FHSA different? 1:48 Investing your FHSA 2:05 How to access your FHSA funds 2:15 Where to get an FHSA Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 158 828 2023-05-18T15:22:56Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-holds-target-interest-rate-at-5-in-september-announcement/ https://i.ytimg.com/vi/9aFc9JP5lL0/default.jpg September 2023 Bank of Canada Rate Announcement - Are rate hikes over? https://www.youtube.com/embed/9aFc9JP5lL0 Ratehub.ca’s The Mortgage Minute: The Bank of Canada held the target interest rate at five per cent in its September 6, 2023 announcement. What does this mean for you? In this video, mortgage expert James Laird discusses: 0:00 Bank of Canada announcement 0:20 Reasons behind the rate hold 0:35 Canadian inflation by month 1:00 Impact on variable and fixed mortgage rates 1:11 Impact on home prices in Canada 1:30 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 109 4887 2023-09-06T19:47:05Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-hikes-target-interest-rate-to-5-in-july-announcement/ https://i.ytimg.com/vi/SJ4xXQt4Dxs/default.jpg July 2023 Bank of Canada Rate Announcement - Mortgage rates continue to rise https://www.youtube.com/embed/SJ4xXQt4Dxs Ratehub.ca’s The Mortgage Minute: The Bank of Canada increased the key overnight rate by 25 basis points to 5% in its July 12, 2023 announcement. What does this mean for you? In this video, mortgage expert James Laird discusses: 0:00 Bank of Canada announcement 0:30 Impact on variable mortgage rates 1:00 Fixed mortgage rates 1:25 Impact on home prices in Canada 1:36 Looking ahead & key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 122 3405 2023-07-12T20:21:16Z Ratehub.ca no https://www.ratehub.ca/blog/what-borrowers-should-know-about-the-new-fcac-mortgage-guidelines/ https://i.ytimg.com/vi/LbJv69qPlo0/default.jpg 3 tips for renewing your mortgage in 2024 – The first one might surprise you! https://www.youtube.com/embed/LbJv69qPlo0 Ratehub.ca’s The Mortgage Memo: With today’s high mortgage rates, you might be feeling uneasy if your mortgage is up for renewal in 2024. There are some things you can do to put yourself in a good position to get a good rate at renewal. In this video, mortgage expert James Laird discusses: 0:00 Overview 0:25 Don’t renew early with existing lender 0:55 Secure rate holds 1:13 Shop around for the best rate 1:31 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 108 6350 2024-02-29T19:14:12Z Ratehub.ca no https://www.ratehub.ca/blog/can-your-mortgage-lender-force-you-to-sell-your-home-through-power-of-sale/ https://i.ytimg.com/vi/LbJv69qPlo0/default.jpg 3 tips for renewing your mortgage in 2024 – The first one might surprise you! https://www.youtube.com/embed/LbJv69qPlo0 Ratehub.ca’s The Mortgage Memo: With today’s high mortgage rates, you might be feeling uneasy if your mortgage is up for renewal in 2024. There are some things you can do to put yourself in a good position to get a good rate at renewal. In this video, mortgage expert James Laird discusses: 0:00 Overview 0:25 Don’t renew early with existing lender 0:55 Secure rate holds 1:13 Shop around for the best rate 1:31 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 108 6350 2024-02-29T19:14:12Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-hikes-target-rate-to-4-75-in-june-announcement/ https://i.ytimg.com/vi/4RB2mZvO900/default.jpg June 2023 Bank of Canada Rate Announcement - Mortgage rates are on the rise again https://www.youtube.com/embed/4RB2mZvO900 Ratehub.ca’s The Mortgage Minute: The Bank of Canada increased the key overnight rate by 25 basis points to 4.75% in its June 7, 2023 announcement. What does this mean for you? In this video, mortgage expert, James Laird, discusses: 0:00 What the Bank of Canada announced 0:28 Impact on variable mortgage rates 0:45 Impact on fixed mortgage rates 1:05 Impact on home prices in Canada 1:21 Looking ahead - what’s next? 1:35 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 111 3317 2023-06-07T20:57:31Z Ratehub.ca no https://www.ratehub.ca/blog/mortgage-borrowers-could-see-payments-soar-25-at-renewal-time/ https://i.ytimg.com/vi/LbJv69qPlo0/default.jpg 3 tips for renewing your mortgage in 2024 – The first one might surprise you! https://www.youtube.com/embed/LbJv69qPlo0 Ratehub.ca’s The Mortgage Memo: With today’s high mortgage rates, you might be feeling uneasy if your mortgage is up for renewal in 2024. There are some things you can do to put yourself in a good position to get a good rate at renewal. In this video, mortgage expert James Laird discusses: 0:00 Overview 0:25 Don’t renew early with existing lender 0:55 Secure rate holds 1:13 Shop around for the best rate 1:31 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 108 6350 2024-02-29T19:14:12Z Ratehub.ca no https://www.ratehub.ca/savings-accounts/the-best-first-home-savings-accounts-in-canada https://i.ytimg.com/vi/Ly5RgnhMsCw/default.jpg FHSA explained - How to use the First Home Savings Account https://www.youtube.com/embed/Ly5RgnhMsCw The Mortgage Memo: The First Home Savings Account (FHSA) is the latest tool provided by the federal government to help first-time home buyers save up for a down payment. In this video, Ratehub.ca’s Director of Content, Penelope Graham, discusses: 0:00 What is the FHSA? 0:27 Key features of the FHSA 1:06 What makes the FHSA different? 1:48 Investing your FHSA 2:05 How to access your FHSA funds 2:15 Where to get an FHSA Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 158 828 2023-05-18T15:22:56Z Ratehub.ca no https://www.ratehub.ca/mortgages/bank-of-canada-target-overnight-rate https://i.ytimg.com/vi/9_oZIUP9ji0/default.jpg March 18, 2026: Bank of Canada announcement https://www.youtube.com/embed/9_oZIUP9ji0 The Bank of Canada held the target for the overnight rate at 2.25% in its March 18, 2026 announcement, keeping rates unchanged for the third consecutive decision. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 00:07 Announcement highlights 01:05 Impact on variable rates 01:18 Impact on fixed rates 01:45 Tips for homebuyers 1:59 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 137 1369 2026-03-18T19:44:40Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-raises-target-overnight-rate-to-4-5/ https://i.ytimg.com/vi/RU1ZPgEjk-k/default.jpg The Mortgage Minute: Jan 25 Bank of Canada Announcement https://www.youtube.com/embed/RU1ZPgEjk-k Ratehub.ca presents: The Mortgage Minute January 25, 2023: Bank of Canada Announcement The Bank of Canada increased the key overnight rate by 25 basis points to 4.50 per cent. In this video, mortgage expert, James Laird, discusses: - the impact for those with a variable-rate mortgage or HELOC - the impact for those shopping for a fixed-rate mortgage - what it means for home prices To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates 126 4848 2023-01-25T21:29:35Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-raises-rate-to-4-25/ https://i.ytimg.com/vi/bVCaYngGSto/default.jpg The Mortgage Minute: Dec 7 Bank of Canada Announcement https://www.youtube.com/embed/bVCaYngGSto Ratehub.ca presents: The Mortgage Minute December 7, 2022: Bank of Canada Announcement The Bank of Canada increased the key overnight rate by 50 basis points to 4.25 per cent. In this video, mortgage expert, James Laird, discusses: - the impact for those with a variable rate mortgage or HELOC - options if you're beyond your trigger rate - where fixed mortgage rates are heading - the effect on home prices in the coming months To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates 147 2313 2022-12-08T15:47:01Z Ratehub.ca no https://www.ratehub.ca/blog/bank-of-canada-raises-rate-to-3-75/ https://i.ytimg.com/vi/FyoXvq0rtRA/default.jpg The Mortgage Minute: Oct 26 Bank of Canada Announcement https://www.youtube.com/embed/FyoXvq0rtRA Ratehub.ca presents: The Mortgage Minute October 26, 2022: Bank of Canada Announcement The Bank of Canada increased the key overnight rate by 50 basis points to 3.75 per cent. In this video, mortgage expert, James Laird, discusses: - the impact for those with a variable rate mortgage - where fixed mortgage rates are heading - the effect on home prices in the coming months To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates 105 1115 2022-10-28T14:43:00Z Ratehub.ca no https://www.ratehub.ca/mortgages/amortization-calculator https://i.ytimg.com/vi/jCLmdJ2uZQs/default.jpg How a 30-Year Amortization Impacts Your Mortgage Payments https://www.youtube.com/embed/jCLmdJ2uZQs Ratehub.ca’s The Mortgage Memo: As of December 15, 2024, first-time homebuyers can now opt for a 30-year amortization period. How will this change impact your mortgage payments and affordability? Watch as our expert Penelope Graham breaks it all down: 0:00 Announcement highlights 0:59 Impact on overall affordability 1:10 Payment comparisons: 25 vs. 30 years 2:18 Pros and cons of a 30 years amortization period To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 179 756 2024-12-19T17:55:54Z Ratehub.ca no https://www.ratehub.ca/prime-rate https://i.ytimg.com/vi/9_oZIUP9ji0/default.jpg March 18, 2026: Bank of Canada announcement https://www.youtube.com/embed/9_oZIUP9ji0 The Bank of Canada held the target for the overnight rate at 2.25% in its March 18, 2026 announcement, keeping rates unchanged for the third consecutive decision. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 00:07 Announcement highlights 01:05 Impact on variable rates 01:18 Impact on fixed rates 01:45 Tips for homebuyers 1:59 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 137 1369 2026-03-18T19:44:40Z Ratehub.ca no https://www.ratehub.ca/blog/how-inflation-affects-mortgage/ https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/cmhc-mortgage-insurance https://i.ytimg.com/vi/P3eEIx-WgxU/default.jpg 2025 Changes To The Minimum Mortgage Down Payment https://www.youtube.com/embed/P3eEIx-WgxU Ratehub.ca’s The Mortgage Memo: The minimum mortgage down payment rules are changing in 2025, and these updates could have a big impact on how much you need to save for your home. In this video, our mortgage expert, Penelope Graham explains: 0:00 Overview of 2025 mortgage reforms 1:03 Changes in downpayment requirements 1:25 Impact on affordability 2:30 Key considerations for homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 185 1136 2024-12-20T18:01:52Z Ratehub.ca no https://www.ratehub.ca/cmhc-insurance-manitoba https://www.ratehub.ca/cmhc-insurance-alberta https://www.ratehub.ca/cmhc-insurance-ontario https://www.ratehub.ca/cmhc-insurance-british-columbia https://www.ratehub.ca/cmhc-insurance-quebec https://www.ratehub.ca/mortgage-down-payment https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://i.ytimg.com/vi/P3eEIx-WgxU/default.jpg 2025 Changes To The Minimum Mortgage Down Payment https://www.youtube.com/embed/P3eEIx-WgxU Ratehub.ca’s The Mortgage Memo: The minimum mortgage down payment rules are changing in 2025, and these updates could have a big impact on how much you need to save for your home. In this video, our mortgage expert, Penelope Graham explains: 0:00 Overview of 2025 mortgage reforms 1:03 Changes in downpayment requirements 1:25 Impact on affordability 2:30 Key considerations for homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 185 1136 2024-12-20T18:01:52Z Ratehub.ca no https://www.ratehub.ca/mortgage-renewal-calculator https://i.ytimg.com/vi/1zMZR0HtYbQ/default.jpg 3 Tips for Renewing Your Mortgage https://www.youtube.com/embed/1zMZR0HtYbQ Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 Introduction 0:14 Don’t sign the renewal letter 0:49 Shop and switch 2:01 Get a rate hold 2:22 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 159 696 2026-01-23T20:57:21Z Ratehub.ca no https://i.ytimg.com/vi/kcJX9h9__4I/default.jpg Should you switch from a variable mortgage rate to a fixed mortgage rate? https://www.youtube.com/embed/kcJX9h9__4I #mortgagerates The Mortgage Memo: Should you switch from a variable mortgage rate to a fixed mortgage rate? ​​ Mortgage rates have been going up and up throughout 2022 and many variable-rate mortgage holders are surely wondering if they should switch to a fixed-rate mortgage. In this video, we discuss what you need to consider to make that decision. 0:00 Should you switch to a fixed rate? 0:17 Things to consider 0:31 When switching to a fixed mortgage rate might makes sense 0:52 When sticking with a variable rate might make sense 1:26 An example Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 134 2004 2022-09-07T19:56:17Z Ratehub.ca no https://www.ratehub.ca/calcul-versement-hypothecaire https://i.ytimg.com/vi/qlnKp6_oGVg/default.jpg 18 mars 2026 : Annonce de la Banque du Canada https://www.youtube.com/embed/qlnKp6_oGVg La Banque du Canada a maintenu le taux cible du financement à un jour à 2,25 % lors de son annonce du 18 mars 2026, laissant les taux inchangés pour la troisième décision consécutive. Qu'est-ce que cela signifie pour vous ? Dans cette vidéo, l'expert en hypothèques Philippe Simard aborde : Les points saillants de l'annonce L'impact sur les taux variables L'impact sur les taux fixes Des conseils pour les acheteurs Les points clés à retenir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les hypothèques, abonnez-vous ici : __ https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1__ Dites-nous dans les commentaires : qu'aimeriez-vous voir dans notre prochaine vidéo ? Le contenu de cette vidéo est fourni à titre informatif seulement ; il ne doit pas être utilisé en remplacement des conseils d'un professionnel. 90 270 2026-03-19T13:04:53Z Ratehub.ca no https://www.ratehub.ca/blog/car-rental-insurance-youre-covered-with-these-credit-cards/ https://i.ytimg.com/vi/A0X2qS_uT8A/default.jpg Rental Car Insurance: What your credit card does and doesn't cover https://www.youtube.com/embed/A0X2qS_uT8A For more on the best credit cards for rental car insurance in Canada, read our blog here: https://www.ratehub.ca/blog/car-rental-insurance-youre-covered-with-these-credit-cards/ 197 22826 2019-09-23T18:10:40Z Ratehub.ca no https://www.ratehub.ca/blog/tangerine-world-mastercard-review/ https://i.ytimg.com/vi/A0X2qS_uT8A/default.jpg Rental Car Insurance: What your credit card does and doesn't cover https://www.youtube.com/embed/A0X2qS_uT8A For more on the best credit cards for rental car insurance in Canada, read our blog here: https://www.ratehub.ca/blog/car-rental-insurance-youre-covered-with-these-credit-cards/ 197 22826 2019-09-23T18:10:40Z Ratehub.ca no https://www.ratehub.ca/immeuble-a-revenu https://i.ytimg.com/vi/2CmBFIS8YN4/default.jpg Puis-je obtenir un prêt hypothécaire sur une deuxième propriété avec moins de 20 % de mise de fonds? https://www.youtube.com/embed/2CmBFIS8YN4 Nous recevons souvent la question de savoir s'il est possible d'obtenir un prêt hypothécaire sur une deuxième propriété avec moins de 20 % de mise de fonds. Notre Directeur hypothécaire au Québec, Philippe Simard, et le courtier hypothécaire Philippe Breault, expliquent quand et comment cela est possible, et comment vous pouvez financer un tel achat, par exemple au moyen d’une marge de crédit hypothécaire ou d’un refinancement. 0:00 Philippe Simard et Philippe Breault se présentent 0:18 Est-ce que je peux m’acheter une deuxième propriété avec moins de 20 % de mise de fonds? 00:55 Quand peut-on faire un achat avec moins de 20 % de mise de fonds? 01:50 Situations dans lesquelles un assureur va refuser d’accepter que ce soit une résidence secondaire 02:15 Situations dans lesquelles un assureur va accepter que ce soit une résidence secondaire 03:39 Quel type de mise de fonds est accepté pour acheter une deuxième propriété? 04:23 C’est quoi une garantie collatérale? 05:38 Que faire si vous souhaitez acheter une deuxième propriété? Pour obtenir les meilleurs taux hypothécaires du moment, rendez-vous sur le site : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les prêts hypothécaires! Abonnez-vous ici : https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Dites-nous dans les commentaires ce que vous voulez voir dans notre prochaine vidéo. Le contenu de cette vidéo est fourni à titre d'information uniquement. Il n'est pas destiné à être utilisé en lieu et place des conseils d'un professionnel. 371 1387 2023-06-22T20:31:40Z Ratehub.ca no https://www.ratehub.ca/pre-construction-condo https://i.ytimg.com/vi/svorpTMEN8g/default.jpg House Keys: Pre-construction Condo Financing https://www.youtube.com/embed/svorpTMEN8g Buying a new home doesn't have to be a daunting task thanks to House Keys, a new web series presented by Ratehub.ca and Yahoo! Finance Canada. Whether you're buying your first home, refinancing a mortgage, or buying an investment property, we're here to help you every step of the way. WWW RateHub - http://www.ratehub.ca Yahoo! Finance Canada - http://ca.finance.yahoo.com 179 8001 2012-11-26T17:47:53Z Ratehub.ca no https://www.ratehub.ca/refinancement-hypothecaire https://i.ytimg.com/vi/2CmBFIS8YN4/default.jpg Puis-je obtenir un prêt hypothécaire sur une deuxième propriété avec moins de 20 % de mise de fonds? https://www.youtube.com/embed/2CmBFIS8YN4 Nous recevons souvent la question de savoir s'il est possible d'obtenir un prêt hypothécaire sur une deuxième propriété avec moins de 20 % de mise de fonds. Notre Directeur hypothécaire au Québec, Philippe Simard, et le courtier hypothécaire Philippe Breault, expliquent quand et comment cela est possible, et comment vous pouvez financer un tel achat, par exemple au moyen d’une marge de crédit hypothécaire ou d’un refinancement. 0:00 Philippe Simard et Philippe Breault se présentent 0:18 Est-ce que je peux m’acheter une deuxième propriété avec moins de 20 % de mise de fonds? 00:55 Quand peut-on faire un achat avec moins de 20 % de mise de fonds? 01:50 Situations dans lesquelles un assureur va refuser d’accepter que ce soit une résidence secondaire 02:15 Situations dans lesquelles un assureur va accepter que ce soit une résidence secondaire 03:39 Quel type de mise de fonds est accepté pour acheter une deuxième propriété? 04:23 C’est quoi une garantie collatérale? 05:38 Que faire si vous souhaitez acheter une deuxième propriété? Pour obtenir les meilleurs taux hypothécaires du moment, rendez-vous sur le site : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les prêts hypothécaires! Abonnez-vous ici : https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Dites-nous dans les commentaires ce que vous voulez voir dans notre prochaine vidéo. Le contenu de cette vidéo est fourni à titre d'information uniquement. Il n'est pas destiné à être utilisé en lieu et place des conseils d'un professionnel. 371 1387 2023-06-22T20:31:40Z Ratehub.ca no https://www.ratehub.ca/marge-credit-domiciliaire https://i.ytimg.com/vi/2CmBFIS8YN4/default.jpg Puis-je obtenir un prêt hypothécaire sur une deuxième propriété avec moins de 20 % de mise de fonds? https://www.youtube.com/embed/2CmBFIS8YN4 Nous recevons souvent la question de savoir s'il est possible d'obtenir un prêt hypothécaire sur une deuxième propriété avec moins de 20 % de mise de fonds. Notre Directeur hypothécaire au Québec, Philippe Simard, et le courtier hypothécaire Philippe Breault, expliquent quand et comment cela est possible, et comment vous pouvez financer un tel achat, par exemple au moyen d’une marge de crédit hypothécaire ou d’un refinancement. 0:00 Philippe Simard et Philippe Breault se présentent 0:18 Est-ce que je peux m’acheter une deuxième propriété avec moins de 20 % de mise de fonds? 00:55 Quand peut-on faire un achat avec moins de 20 % de mise de fonds? 01:50 Situations dans lesquelles un assureur va refuser d’accepter que ce soit une résidence secondaire 02:15 Situations dans lesquelles un assureur va accepter que ce soit une résidence secondaire 03:39 Quel type de mise de fonds est accepté pour acheter une deuxième propriété? 04:23 C’est quoi une garantie collatérale? 05:38 Que faire si vous souhaitez acheter une deuxième propriété? Pour obtenir les meilleurs taux hypothécaires du moment, rendez-vous sur le site : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les prêts hypothécaires! Abonnez-vous ici : https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Dites-nous dans les commentaires ce que vous voulez voir dans notre prochaine vidéo. Le contenu de cette vidéo est fourni à titre d'information uniquement. Il n'est pas destiné à être utilisé en lieu et place des conseils d'un professionnel. 371 1387 2023-06-22T20:31:40Z Ratehub.ca no https://www.ratehub.ca/mise-de-fond-maison https://i.ytimg.com/vi/2CmBFIS8YN4/default.jpg Puis-je obtenir un prêt hypothécaire sur une deuxième propriété avec moins de 20 % de mise de fonds? https://www.youtube.com/embed/2CmBFIS8YN4 Nous recevons souvent la question de savoir s'il est possible d'obtenir un prêt hypothécaire sur une deuxième propriété avec moins de 20 % de mise de fonds. Notre Directeur hypothécaire au Québec, Philippe Simard, et le courtier hypothécaire Philippe Breault, expliquent quand et comment cela est possible, et comment vous pouvez financer un tel achat, par exemple au moyen d’une marge de crédit hypothécaire ou d’un refinancement. 0:00 Philippe Simard et Philippe Breault se présentent 0:18 Est-ce que je peux m’acheter une deuxième propriété avec moins de 20 % de mise de fonds? 00:55 Quand peut-on faire un achat avec moins de 20 % de mise de fonds? 01:50 Situations dans lesquelles un assureur va refuser d’accepter que ce soit une résidence secondaire 02:15 Situations dans lesquelles un assureur va accepter que ce soit une résidence secondaire 03:39 Quel type de mise de fonds est accepté pour acheter une deuxième propriété? 04:23 C’est quoi une garantie collatérale? 05:38 Que faire si vous souhaitez acheter une deuxième propriété? Pour obtenir les meilleurs taux hypothécaires du moment, rendez-vous sur le site : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les prêts hypothécaires! Abonnez-vous ici : https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Dites-nous dans les commentaires ce que vous voulez voir dans notre prochaine vidéo. Le contenu de cette vidéo est fourni à titre d'information uniquement. Il n'est pas destiné à être utilisé en lieu et place des conseils d'un professionnel. 371 1387 2023-06-22T20:31:40Z Ratehub.ca no https://www.ratehub.ca/mortgage-renewal-denied https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/mortgage-renewal-tips https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://i.ytimg.com/vi/ia-6FO6IBL8/default.jpg How to take advantage of future lower rates https://www.youtube.com/embed/ia-6FO6IBL8 With many experts predicting that the Bank of Canada will be carrying out rate cuts in the latter half of 2024 and into 2025, lots of people are thinking about how to take advantage of future lower mortgage rates. What kind of mortgage is best to get? In this video, James Laird, Co-CEO of Ratehub.ca and President of CanWise mortgage lender, goes over your options and breaks down the pros and cons of each. 0:15 What kind of mortgage should I get to take advantage of future lower rates? 0:21 Get a short-term fixed-rate mortgage 0:37 Get a variable-rate mortgage 01:21 Key takeaways To get today’s best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates! Subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what would you like to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 105 12097 2024-04-23T15:32:01Z Ratehub.ca no https://www.ratehub.ca/mortgage-approval-process https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://i.ytimg.com/vi/ia-6FO6IBL8/default.jpg How to take advantage of future lower rates https://www.youtube.com/embed/ia-6FO6IBL8 With many experts predicting that the Bank of Canada will be carrying out rate cuts in the latter half of 2024 and into 2025, lots of people are thinking about how to take advantage of future lower mortgage rates. What kind of mortgage is best to get? In this video, James Laird, Co-CEO of Ratehub.ca and President of CanWise mortgage lender, goes over your options and breaks down the pros and cons of each. 0:15 What kind of mortgage should I get to take advantage of future lower rates? 0:21 Get a short-term fixed-rate mortgage 0:37 Get a variable-rate mortgage 01:21 Key takeaways To get today’s best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates! Subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what would you like to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 105 12097 2024-04-23T15:32:01Z Ratehub.ca no https://www.ratehub.ca/credit-score https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/how-much-can-i-afford https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/debt-service-ratios https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://i.ytimg.com/vi/wz3qSoBGjp0/default.jpg How to Calculate Debt Service Ratios - Mortgage Math #2 with Ratehub.ca https://www.youtube.com/embed/wz3qSoBGjp0 http://www.ratehub.ca - Lenders calculate debt service ratios (GDS and TDS) before qualifying you for a mortgage. Drew Donaldson from Safebridge Financial walks through the calculations. 0:39 Gross Debt Service Ratio (GDS) 1:34 Total Debt Service Ratio (TDS) ABOUT MORTGAGE MATH: Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership. Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard. WATCH THE OTHER MORTGAGE MATH VIDEOS: 1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0 2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0 3. The RRSP Home Buyers' Plan - http://youtu.be/f5iz26AflGI 4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o 5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM 6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw 7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w 152 60858 2012-12-18T18:42:22Z Ratehub.ca no https://www.ratehub.ca/maximum-affordability-in-canada https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/mortgage-payment-options https://i.ytimg.com/vi/auS2HWiWD9w/default.jpg Mortgage Payment Options in Canada - Mortgage Math #7 with Ratehub.ca https://www.youtube.com/embed/auS2HWiWD9w http://www.ratehub.ca - In Canada, there are a number of mortgage payment options. Mortgage Centre Broker Chris Molder explains the most popular mortgage payment options and their effects. 1:00 Monthly Mortgage Payments 1:16 Bi-weekly Mortgage Payments 1:55 Accelerated Bi-weekly Mortgage Payments 2:33 Calculating Your Annual Payment Amounts ABOUT MORTGAGE MATH: Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership. Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard. WATCH THE OTHER MORTGAGE MATH VIDEOS: 1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0 2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0 3. The RRSP Home Buyers' Plan - http://youtu.be/f5iz26AflGI 4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o 5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM 6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw 7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w 233 93992 2012-12-20T15:23:07Z Ratehub.ca no https://www.ratehub.ca/mortgage-term-vs-amortization https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://i.ytimg.com/vi/jCLmdJ2uZQs/default.jpg How a 30-Year Amortization Impacts Your Mortgage Payments https://www.youtube.com/embed/jCLmdJ2uZQs Ratehub.ca’s The Mortgage Memo: As of December 15, 2024, first-time homebuyers can now opt for a 30-year amortization period. How will this change impact your mortgage payments and affordability? Watch as our expert Penelope Graham breaks it all down: 0:00 Announcement highlights 0:59 Impact on overall affordability 1:10 Payment comparisons: 25 vs. 30 years 2:18 Pros and cons of a 30 years amortization period To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 179 756 2024-12-19T17:55:54Z Ratehub.ca no https://www.ratehub.ca/amortization https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://i.ytimg.com/vi/jCLmdJ2uZQs/default.jpg How a 30-Year Amortization Impacts Your Mortgage Payments https://www.youtube.com/embed/jCLmdJ2uZQs Ratehub.ca’s The Mortgage Memo: As of December 15, 2024, first-time homebuyers can now opt for a 30-year amortization period. How will this change impact your mortgage payments and affordability? Watch as our expert Penelope Graham breaks it all down: 0:00 Announcement highlights 0:59 Impact on overall affordability 1:10 Payment comparisons: 25 vs. 30 years 2:18 Pros and cons of a 30 years amortization period To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 179 756 2024-12-19T17:55:54Z Ratehub.ca no https://www.ratehub.ca/variable-or-fixed-mortgage https://i.ytimg.com/vi/2Ru3ejpFS3o/default.jpg Fixed and Variable Mortgage Rates - Mortgage Math #4 with Ratehub.ca https://www.youtube.com/embed/2Ru3ejpFS3o http://www.ratehub.ca - Fixed and variable mortgage rates affect more than your mortgage payment. RedPath Financial Mortgage Broker Ian MacKay explains the differences between the two. ABOUT MORTGAGE MATH: Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership. Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard. WATCH THE OTHER MORTGAGE MATH VIDEOS: 1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0 2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0 3. The RRSP Home Buyers' Plan - http://youtu.be/f5iz26AflGI 4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o 5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM 6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw 7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w 283 118548 2013-01-02T15:16:55Z Ratehub.ca no https://www.ratehub.ca/first-time-home-buyer-tax-credit https://i.ytimg.com/vi/4f0zCj9lZh4/default.jpg First-Time Home Buyer Programs in Canada: What you need to know https://www.youtube.com/embed/4f0zCj9lZh4 Buying a home is more financially challenging than ever. Fortunately, there are some programs designed to help first-time home buyers get onto the property ladder. Ratehub.ca Director of Content Penelope Graham breaks down the specifics of each. 0:00 First-Time Home Buyer Programs in Canada 0:25 How to qualify as a first-time home buyer in Canada 0:45 The First-Home Savings Account 1:30 The Home Buyers’ Plan 2:10 The First-Time Home Buyers’ Tax Credit 3:28 Key Takeaway: Work with a mortgage professional To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 230 4484 2023-09-13T14:25:55Z Ratehub.ca no https://www.ratehub.ca/rrsp-home-buyer https://i.ytimg.com/vi/f5iz26AflGI/default.jpg The RRSP Home Buyers' Plan - Mortgage Math #3 with Ratehub.ca https://www.youtube.com/embed/f5iz26AflGI See today's best mortgage rates from the Big Banks and brokers at http://www.ratehub.ca The RRSP Home Buyers' Plan (HBP) helps first-time homebuyers use their RRSPs to buy a home in Canada. Toronto-based realtor Lauren Haw shows us how. 0:31 Eligibility for the RRSP Home Buyers' Plan 1:39 RRSP Repayments 2:23 Underpayment: Paying Less Than Your Minimum 2:53 Overpayment: Paying More Than Your Minimum ABOUT MORTGAGE MATH: Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership. Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard. WATCH THE OTHER MORTGAGE MATH VIDEOS: 1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0 2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0 3. The RRSP Home Buyers' Plan - http://youtu.be/f5iz26AflGI 4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o 5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM 6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw 7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w 232 79650 2012-12-18T21:27:38Z Ratehub.ca no https://www.ratehub.ca/first-time-home-buyer-loans https://i.ytimg.com/vi/4f0zCj9lZh4/default.jpg First-Time Home Buyer Programs in Canada: What you need to know https://www.youtube.com/embed/4f0zCj9lZh4 Buying a home is more financially challenging than ever. Fortunately, there are some programs designed to help first-time home buyers get onto the property ladder. Ratehub.ca Director of Content Penelope Graham breaks down the specifics of each. 0:00 First-Time Home Buyer Programs in Canada 0:25 How to qualify as a first-time home buyer in Canada 0:45 The First-Home Savings Account 1:30 The Home Buyers’ Plan 2:10 The First-Time Home Buyers’ Tax Credit 3:28 Key Takeaway: Work with a mortgage professional To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 230 4484 2023-09-13T14:25:55Z Ratehub.ca no https://www.ratehub.ca/switching-providers https://i.ytimg.com/vi/ia-6FO6IBL8/default.jpg How to take advantage of future lower rates https://www.youtube.com/embed/ia-6FO6IBL8 With many experts predicting that the Bank of Canada will be carrying out rate cuts in the latter half of 2024 and into 2025, lots of people are thinking about how to take advantage of future lower mortgage rates. What kind of mortgage is best to get? In this video, James Laird, Co-CEO of Ratehub.ca and President of CanWise mortgage lender, goes over your options and breaks down the pros and cons of each. 0:15 What kind of mortgage should I get to take advantage of future lower rates? 0:21 Get a short-term fixed-rate mortgage 0:37 Get a variable-rate mortgage 01:21 Key takeaways To get today’s best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates! Subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what would you like to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 105 12097 2024-04-23T15:32:01Z Ratehub.ca no https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/early-mortgage-renewal https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://i.ytimg.com/vi/ia-6FO6IBL8/default.jpg How to take advantage of future lower rates https://www.youtube.com/embed/ia-6FO6IBL8 With many experts predicting that the Bank of Canada will be carrying out rate cuts in the latter half of 2024 and into 2025, lots of people are thinking about how to take advantage of future lower mortgage rates. What kind of mortgage is best to get? In this video, James Laird, Co-CEO of Ratehub.ca and President of CanWise mortgage lender, goes over your options and breaks down the pros and cons of each. 0:15 What kind of mortgage should I get to take advantage of future lower rates? 0:21 Get a short-term fixed-rate mortgage 0:37 Get a variable-rate mortgage 01:21 Key takeaways To get today’s best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates! Subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what would you like to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 105 12097 2024-04-23T15:32:01Z Ratehub.ca no https://www.ratehub.ca/mortgage-renewal-process https://i.ytimg.com/vi/ia-6FO6IBL8/default.jpg How to take advantage of future lower rates https://www.youtube.com/embed/ia-6FO6IBL8 With many experts predicting that the Bank of Canada will be carrying out rate cuts in the latter half of 2024 and into 2025, lots of people are thinking about how to take advantage of future lower mortgage rates. What kind of mortgage is best to get? In this video, James Laird, Co-CEO of Ratehub.ca and President of CanWise mortgage lender, goes over your options and breaks down the pros and cons of each. 0:15 What kind of mortgage should I get to take advantage of future lower rates? 0:21 Get a short-term fixed-rate mortgage 0:37 Get a variable-rate mortgage 01:21 Key takeaways To get today’s best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates! Subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what would you like to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 105 12097 2024-04-23T15:32:01Z Ratehub.ca no https://i.ytimg.com/vi/BaqF-c1za5g/default.jpg 3 Tips for Renewing Your Mortgage in 2025 https://www.youtube.com/embed/BaqF-c1za5g Is your mortgage up for renewal? In this quick, insightful video, mortgage expert Penelope Graham breaks down the key things you need to consider before signing that renewal letter. Watch as she covers: 0:00 The current state of mortgage rates 0:32 Should you sign the renewal letter? 1:07 How can switching lenders help you? 2:21 What about getting a rate hold? 2:40 Key takeaways To get today's best mortgage renewal rates, visit: https://www.ratehub.ca/mortgage-renewal-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 181 4767 2025-04-28T13:48:43Z Ratehub.ca no https://www.ratehub.ca/blog/10-insurance-myths-worth-knowing/ https://i.ytimg.com/vi/fE1GSS84_fs/default.jpg Rockstar insurance broker, Morgan Roberts, explains insurance and breaks myths https://www.youtube.com/embed/fE1GSS84_fs Morgan Roberts is a multi-award-winning car and home insurance broker. She’s been selling insurance for nearly ten years and was recently appointed the director of sales at Ratehub Inc.’s (https://www.ratehub.ca) brand new brokerage - RH insurance (https://www.rhinsurance.ca). [1:13 - 4:13] MONEY MISTAKE OR MAKEUP - Canadian tire returns, buying too many clothes, juice cleanse QUESTIONS [4:14 - 6:18] Why did you switch careers for insurance? [6:19 - 7:08] What do you love about being an insurance broker? [7:10 - 8:29] What’s the top skillset for an insurance broker? [8:30 - 10:04] What are the secrets to being a great broker? [10:05 - 12:24] Why should Canadians care about insurance? [12:25 - 13:33] Why aren’t Canadians more hands-on with their insurance? [13:34 - 15:15] A little bit about tenant’s insurance [15:16 - 16:44] How much contents insurance do I need? [16:45 - 17:40] Comparing cell phones to insurance [17:41 - 18:26] A car insurance mistake you might be making [18:27 - 21:11] The one thing people forget to ask to get cheaper insurance [21:12 - 22:06] What is telematics? What is sewer backup? What is overland water? [22:07 - 29:21] Myths and misconceptions about car insurance Let’s get into some truths and falsehoods about car insurance. Will my insurance company find out about a ticket or car accident? Do I need to ask if I can drive for Uber or deliver food? Does my postal code impact my insurance rate? Does how much you drive affect your insurance rate? Do speeding tickets under 15km affect my insurance rate? Do my car insurance rates go up after a claim? Who determines fault in an accident? Does car insurance follow the person or the car? With usage-based insurance, will my rates go up for bad driving? [29:22 - 32:39] What does the future look like for car insurance? [32:40 - 38:24] What are some mistakes people make with their insurance? [38:25 - 47:24] RAPID FIRE QUESTIONS What’s in your wallet? A book everyone should read? What was your first job and what did you learn from it? What is a commonly held belief about your industry or space that you passionately disagree with? If you had one tweet that everyone in the world would read, what would it say? What’s your number (to walk away from it all and live financially independent, never worry about money again?) What do you want to be known for when you die? [47:25 - 48:18] Outro Where can people find you if they have more questions? 2899 383 2021-06-30T17:57:06Z Ratehub.ca no https://www.ratehub.ca/mortgage-affordability-calculator https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://i.ytimg.com/vi/9-wAfls_Rk4/default.jpg 2025 Mortgage Rule Changes for Homebuyers https://www.youtube.com/embed/9-wAfls_Rk4 Ratehub.ca’s The Mortgage Memo: Major mortgage qualification rules are changing in 2025, especially for first-time homebuyers. Are you ready? In this video, our expert, Penelope Graham, unpacks: 0:00 Overview of 2025 Mortgage Rule Changes 0:44 Updates to Amortization Periods 1:00 Key Changes for Insured Mortgages 1:07 New Down Payment Requirements 1:24 Important Takeaways for Homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 113 5227 2024-12-19T17:32:47Z Ratehub.ca no https://www.ratehub.ca/land-transfer-tax https://i.ytimg.com/vi/xOf2dASV5nw/default.jpg How to Calculate Land Transfer Tax - Mortgage Math #6 with Ratehub.ca https://www.youtube.com/embed/xOf2dASV5nw http://www.ratehub.ca - Land Transfer Tax is added to the sale of homes in most provinces. Real estate lawyer Shadi Nasseri shows you how to calculate it, using an Ontario example. 1:19 Calculating Tax Rate #1 1:49 Calculating Tax Rate #2 2:24 Calculating Tax Rate #3 3:30 Calculating Your Total Land Transfer Tax ABOUT MORTGAGE MATH: Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership. Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard. WATCH THE OTHER MORTGAGE MATH VIDEOS: 1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0 2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0 3. The RRSP Home Buyers' Plan - http://youtu.be/f5iz26AflGI 4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o 5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM 6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw 7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w 258 56398 2012-12-18T21:23:53Z Ratehub.ca no https://www.ratehub.ca/investing/what-is-a-tfsa https://i.ytimg.com/vi/e3Iu1JrhaMY/default.jpg What is a Tax-Free Savings Account (TFSA)? https://www.youtube.com/embed/e3Iu1JrhaMY What is a TFSA? In a nutshell, a TFSA is a tax-shelter for your investments. Despite what the name implies, a TFSA is more than just a simple savings account—you can hold a wide range of investments and securities inside a TFSA. For some of the best TFSA savings account, check out https://www.ratehub.ca/savings-accounts/accounts/tfsa The reason it’s called a Tax-Free Savings Account is because all the earnings generated by the investments in your TFSA aren’t taxed and therefore your investments or savings can grow tax-free. The greatest benefit of the TFSA is the tax-free growth that it provides to your investments. This allows your savings to grow much faster than they would elsewhere. For example, if you’re invested in a stock and it doubles in value, holding it in your TFSA means you wouldn’t have to pay any capital gains tax on your earnings. If this stock pays out a dividend, you wouldn’t be taxed on that either. This rule applies to all investments held in a TFSA. There are limits to how much you’re allowed to contribute to your Tax-Free Savings Account. The TFSA contribution limit, also called the annual TFSA limit, is the maximum amount you’re allowed to contribute to your TFSA in a given year. If you go over the limit, you’ll be subject to penalties. There are no limits to how many TFSAs you can open, but your total contributions between all of them during the year must not exceed your allowable limit. In order to open a TFSA, you need to have a valid Social Insurance Number (SIN) and you need to be at least the age of majority in the province or territory that you live in. That means if you live in Alberta, Manitoba, Ontario, Prince Edward Island, Québec, or Saskatchewan, you need to be 18 or older. If you live in British Columbia, New Brunswick, Newfoundland, Nova Scotia, Northwest Territories, Nunavut, or Yukon, you have to be at least 19 years old to open a TFSA. Enjoy the video! 302 49261 2017-05-18T15:37:36Z Ratehub.ca no https://www.ratehub.ca/investing/what-is-an-rrsp https://i.ytimg.com/vi/ggj2bv7azyQ/default.jpg What is an RRSP? https://www.youtube.com/embed/ggj2bv7azyQ What is an RRSP? A registered retirement savings plan (RRSP) is a government-approved account that allows Canadians to plan for retirement. First introduced in 1957, RRSPs provide a way for individuals to save and invest their money in a tax-efficient manner. Annual contributions to an RRSP can be used as a tax deduction, which reduces the amount of tax a person will pay on their income. In addition, all capital gains and dividends aren’t taxed a long as the money remains in the RRSP. How does an RRSP work? Every year, Canadians with “earned” income (salaries or wages from a job) who file a tax return may contribute money to an RRSP. The contribution limit is defined as either 18% of your previous year’s earned income or a specified amount set by the Canada Revenue Agency (CRA), whichever is less. This contribution may then be used as a deduction when filing for the previous year’s taxes. For example, if you contribute $2,000 to your RRSP, your income is then reduced by $2,000 for the purpose of calculating the tax you owe. Canadians are permitted to hold a wide variety of investments in their RRSPs. Some common RRSP investments include GICs, stocks, bonds, mutual funds, ETFs, cash and more. There are three main benefits of having an RRSP: 1. You get a tax deduction—Contributing to an RRSP gives you a deduction when you file your taxes. What this means is that your taxable income is reduced, which lowers the amount of tax you’ll pay. It may also put you into a lower tax bracket. 2. Money grows tax-free—As long as the money remains in your RRSP, all capital gains and dividend/interest income won’t be taxed. This allows your RRSP to grow significantly until such time as you either withdraw money or reach the age of 71. 3. Tax deferral—Money held in an RRSP (both the contributions and investment gains) won’t be tax-free forever. You’ll pay tax on the money when you withdraw it, presumably at retirement. However, for most people their marginal tax rate will be lower in retirement, so by deferring the tax until you’re older, you will end up paying less. Enjoy the video! 537 34164 2018-01-23T20:55:18Z Ratehub.ca no https://www.ratehub.ca/mortgage-payment-calculator https://i.ytimg.com/vi/ia-6FO6IBL8/default.jpg How to take advantage of future lower rates https://www.youtube.com/embed/ia-6FO6IBL8 With many experts predicting that the Bank of Canada will be carrying out rate cuts in the latter half of 2024 and into 2025, lots of people are thinking about how to take advantage of future lower mortgage rates. What kind of mortgage is best to get? In this video, James Laird, Co-CEO of Ratehub.ca and President of CanWise mortgage lender, goes over your options and breaks down the pros and cons of each. 0:15 What kind of mortgage should I get to take advantage of future lower rates? 0:21 Get a short-term fixed-rate mortgage 0:37 Get a variable-rate mortgage 01:21 Key takeaways To get today’s best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates! Subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what would you like to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 105 12097 2024-04-23T15:32:01Z Ratehub.ca no https://i.ytimg.com/vi/9_oZIUP9ji0/default.jpg March 18, 2026: Bank of Canada announcement https://www.youtube.com/embed/9_oZIUP9ji0 The Bank of Canada held the target for the overnight rate at 2.25% in its March 18, 2026 announcement, keeping rates unchanged for the third consecutive decision. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 00:07 Announcement highlights 01:05 Impact on variable rates 01:18 Impact on fixed rates 01:45 Tips for homebuyers 1:59 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 137 1369 2026-03-18T19:44:40Z Ratehub.ca no https://i.ytimg.com/vi/9-wAfls_Rk4/default.jpg 2025 Mortgage Rule Changes for Homebuyers https://www.youtube.com/embed/9-wAfls_Rk4 Ratehub.ca’s The Mortgage Memo: Major mortgage qualification rules are changing in 2025, especially for first-time homebuyers. Are you ready? In this video, our expert, Penelope Graham, unpacks: 0:00 Overview of 2025 Mortgage Rule Changes 0:44 Updates to Amortization Periods 1:00 Key Changes for Insured Mortgages 1:07 New Down Payment Requirements 1:24 Important Takeaways for Homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 113 5227 2024-12-19T17:32:47Z Ratehub.ca no https://www.ratehub.ca/meilleurs-taux-hypothecaires https://i.ytimg.com/vi/qlnKp6_oGVg/default.jpg 18 mars 2026 : Annonce de la Banque du Canada https://www.youtube.com/embed/qlnKp6_oGVg La Banque du Canada a maintenu le taux cible du financement à un jour à 2,25 % lors de son annonce du 18 mars 2026, laissant les taux inchangés pour la troisième décision consécutive. Qu'est-ce que cela signifie pour vous ? Dans cette vidéo, l'expert en hypothèques Philippe Simard aborde : Les points saillants de l'annonce L'impact sur les taux variables L'impact sur les taux fixes Des conseils pour les acheteurs Les points clés à retenir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les hypothèques, abonnez-vous ici : __ https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1__ Dites-nous dans les commentaires : qu'aimeriez-vous voir dans notre prochaine vidéo ? Le contenu de cette vidéo est fourni à titre informatif seulement ; il ne doit pas être utilisé en remplacement des conseils d'un professionnel. 90 270 2026-03-19T13:04:53Z Ratehub.ca no https://www.ratehub.ca/mortgage-refinance-calculator https://i.ytimg.com/vi/BJ1YuudXVsc/default.jpg 3 ways to decrease your mortgage payment amount (...and 3 ways to increase it) https://www.youtube.com/embed/BJ1YuudXVsc Ratehub.ca’s The Mortgage Memo: Have you ever wondered how you can change your monthly mortgage payment? There are actually many ways you can increase or decrease your mortgage payment. In this video, mortgage expert James Laird explains 3 ways you can decrease your mortgage payment to help with your budget, as well as 3 ways you can increase it to pay off your mortgage faster. 0:00 What goes into determining your mortgage payment amount? 1:25 How to increase your mortgage payments 2:12 How to decrease your mortgage payments 2:39 Important things to keep in mind To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 179 1188 2023-08-03T15:00:47Z Ratehub.ca no https://www.ratehub.ca/meilleurs-taux-hypothecaires/heloc https://i.ytimg.com/vi/qlnKp6_oGVg/default.jpg 18 mars 2026 : Annonce de la Banque du Canada https://www.youtube.com/embed/qlnKp6_oGVg La Banque du Canada a maintenu le taux cible du financement à un jour à 2,25 % lors de son annonce du 18 mars 2026, laissant les taux inchangés pour la troisième décision consécutive. Qu'est-ce que cela signifie pour vous ? Dans cette vidéo, l'expert en hypothèques Philippe Simard aborde : Les points saillants de l'annonce L'impact sur les taux variables L'impact sur les taux fixes Des conseils pour les acheteurs Les points clés à retenir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les hypothèques, abonnez-vous ici : __ https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1__ Dites-nous dans les commentaires : qu'aimeriez-vous voir dans notre prochaine vidéo ? Le contenu de cette vidéo est fourni à titre informatif seulement ; il ne doit pas être utilisé en remplacement des conseils d'un professionnel. 90 270 2026-03-19T13:04:53Z Ratehub.ca no https://www.ratehub.ca/best-ontario-mortgage-rates/5-year/variable/open https://www.ratehub.ca/ontario-first-time-home-buyer https://www.ratehub.ca/quebec-first-time-home-buyer https://www.ratehub.ca/british-columbia-first-time-home-buyer https://www.ratehub.ca/manitoba-first-time-home-buyer https://i.ytimg.com/vi/9-wAfls_Rk4/default.jpg 2025 Mortgage Rule Changes for Homebuyers https://www.youtube.com/embed/9-wAfls_Rk4 Ratehub.ca’s The Mortgage Memo: Major mortgage qualification rules are changing in 2025, especially for first-time homebuyers. Are you ready? In this video, our expert, Penelope Graham, unpacks: 0:00 Overview of 2025 Mortgage Rule Changes 0:44 Updates to Amortization Periods 1:00 Key Changes for Insured Mortgages 1:07 New Down Payment Requirements 1:24 Important Takeaways for Homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 113 5227 2024-12-19T17:32:47Z Ratehub.ca no https://www.ratehub.ca/alberta-first-time-home-buyer https://www.ratehub.ca/mortgage-pre-approval https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://i.ytimg.com/vi/P3eEIx-WgxU/default.jpg 2025 Changes To The Minimum Mortgage Down Payment https://www.youtube.com/embed/P3eEIx-WgxU Ratehub.ca’s The Mortgage Memo: The minimum mortgage down payment rules are changing in 2025, and these updates could have a big impact on how much you need to save for your home. In this video, our mortgage expert, Penelope Graham explains: 0:00 Overview of 2025 mortgage reforms 1:03 Changes in downpayment requirements 1:25 Impact on affordability 2:30 Key considerations for homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 185 1136 2024-12-20T18:01:52Z Ratehub.ca no https://www.ratehub.ca/banque/meilleurs-taux-hypothecaires-banques https://i.ytimg.com/vi/qlnKp6_oGVg/default.jpg 18 mars 2026 : Annonce de la Banque du Canada https://www.youtube.com/embed/qlnKp6_oGVg La Banque du Canada a maintenu le taux cible du financement à un jour à 2,25 % lors de son annonce du 18 mars 2026, laissant les taux inchangés pour la troisième décision consécutive. Qu'est-ce que cela signifie pour vous ? Dans cette vidéo, l'expert en hypothèques Philippe Simard aborde : Les points saillants de l'annonce L'impact sur les taux variables L'impact sur les taux fixes Des conseils pour les acheteurs Les points clés à retenir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les hypothèques, abonnez-vous ici : __ https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1__ Dites-nous dans les commentaires : qu'aimeriez-vous voir dans notre prochaine vidéo ? Le contenu de cette vidéo est fourni à titre informatif seulement ; il ne doit pas être utilisé en remplacement des conseils d'un professionnel. 90 270 2026-03-19T13:04:53Z Ratehub.ca no https://www.ratehub.ca/savings-accounts/accounts/rrsp https://i.ytimg.com/vi/ggj2bv7azyQ/default.jpg What is an RRSP? https://www.youtube.com/embed/ggj2bv7azyQ What is an RRSP? A registered retirement savings plan (RRSP) is a government-approved account that allows Canadians to plan for retirement. First introduced in 1957, RRSPs provide a way for individuals to save and invest their money in a tax-efficient manner. Annual contributions to an RRSP can be used as a tax deduction, which reduces the amount of tax a person will pay on their income. In addition, all capital gains and dividends aren’t taxed a long as the money remains in the RRSP. How does an RRSP work? Every year, Canadians with “earned” income (salaries or wages from a job) who file a tax return may contribute money to an RRSP. The contribution limit is defined as either 18% of your previous year’s earned income or a specified amount set by the Canada Revenue Agency (CRA), whichever is less. This contribution may then be used as a deduction when filing for the previous year’s taxes. For example, if you contribute $2,000 to your RRSP, your income is then reduced by $2,000 for the purpose of calculating the tax you owe. Canadians are permitted to hold a wide variety of investments in their RRSPs. Some common RRSP investments include GICs, stocks, bonds, mutual funds, ETFs, cash and more. There are three main benefits of having an RRSP: 1. You get a tax deduction—Contributing to an RRSP gives you a deduction when you file your taxes. What this means is that your taxable income is reduced, which lowers the amount of tax you’ll pay. It may also put you into a lower tax bracket. 2. Money grows tax-free—As long as the money remains in your RRSP, all capital gains and dividend/interest income won’t be taxed. This allows your RRSP to grow significantly until such time as you either withdraw money or reach the age of 71. 3. Tax deferral—Money held in an RRSP (both the contributions and investment gains) won’t be tax-free forever. You’ll pay tax on the money when you withdraw it, presumably at retirement. However, for most people their marginal tax rate will be lower in retirement, so by deferring the tax until you’re older, you will end up paying less. Enjoy the video! 537 34164 2018-01-23T20:55:18Z Ratehub.ca no https://www.ratehub.ca/blog/should-my-first-home-be-a-house-or-condo/ https://i.ytimg.com/vi/4f0zCj9lZh4/default.jpg First-Time Home Buyer Programs in Canada: What you need to know https://www.youtube.com/embed/4f0zCj9lZh4 Buying a home is more financially challenging than ever. Fortunately, there are some programs designed to help first-time home buyers get onto the property ladder. Ratehub.ca Director of Content Penelope Graham breaks down the specifics of each. 0:00 First-Time Home Buyer Programs in Canada 0:25 How to qualify as a first-time home buyer in Canada 0:45 The First-Home Savings Account 1:30 The Home Buyers’ Plan 2:10 The First-Time Home Buyers’ Tax Credit 3:28 Key Takeaway: Work with a mortgage professional To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 230 4484 2023-09-13T14:25:55Z Ratehub.ca no https://www.ratehub.ca/blog/first-time-home-buyer-incentive/ https://i.ytimg.com/vi/4f0zCj9lZh4/default.jpg First-Time Home Buyer Programs in Canada: What you need to know https://www.youtube.com/embed/4f0zCj9lZh4 Buying a home is more financially challenging than ever. Fortunately, there are some programs designed to help first-time home buyers get onto the property ladder. Ratehub.ca Director of Content Penelope Graham breaks down the specifics of each. 0:00 First-Time Home Buyer Programs in Canada 0:25 How to qualify as a first-time home buyer in Canada 0:45 The First-Home Savings Account 1:30 The Home Buyers’ Plan 2:10 The First-Time Home Buyers’ Tax Credit 3:28 Key Takeaway: Work with a mortgage professional To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 230 4484 2023-09-13T14:25:55Z Ratehub.ca no https://www.ratehub.ca/meilleurs-taux-hypothecaires-quebec https://www.ratehub.ca/meilleurs-taux-hypothecaires/5-ans/variable https://i.ytimg.com/vi/qlnKp6_oGVg/default.jpg 18 mars 2026 : Annonce de la Banque du Canada https://www.youtube.com/embed/qlnKp6_oGVg La Banque du Canada a maintenu le taux cible du financement à un jour à 2,25 % lors de son annonce du 18 mars 2026, laissant les taux inchangés pour la troisième décision consécutive. Qu'est-ce que cela signifie pour vous ? Dans cette vidéo, l'expert en hypothèques Philippe Simard aborde : Les points saillants de l'annonce L'impact sur les taux variables L'impact sur les taux fixes Des conseils pour les acheteurs Les points clés à retenir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les hypothèques, abonnez-vous ici : __ https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1__ Dites-nous dans les commentaires : qu'aimeriez-vous voir dans notre prochaine vidéo ? Le contenu de cette vidéo est fourni à titre informatif seulement ; il ne doit pas être utilisé en remplacement des conseils d'un professionnel. 90 270 2026-03-19T13:04:53Z Ratehub.ca no https://www.ratehub.ca/meilleurs-taux-hypothecaires/5-ans/fixe https://i.ytimg.com/vi/qlnKp6_oGVg/default.jpg 18 mars 2026 : Annonce de la Banque du Canada https://www.youtube.com/embed/qlnKp6_oGVg La Banque du Canada a maintenu le taux cible du financement à un jour à 2,25 % lors de son annonce du 18 mars 2026, laissant les taux inchangés pour la troisième décision consécutive. Qu'est-ce que cela signifie pour vous ? Dans cette vidéo, l'expert en hypothèques Philippe Simard aborde : Les points saillants de l'annonce L'impact sur les taux variables L'impact sur les taux fixes Des conseils pour les acheteurs Les points clés à retenir Pour obtenir les meilleurs taux hypothécaires du jour, visitez : https://www.ratehub.ca/meilleurs-taux-hypothecaires Ne manquez pas les mises à jour sur les hypothèques, abonnez-vous ici : __ https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1__ Dites-nous dans les commentaires : qu'aimeriez-vous voir dans notre prochaine vidéo ? Le contenu de cette vidéo est fourni à titre informatif seulement ; il ne doit pas être utilisé en remplacement des conseils d'un professionnel. 90 270 2026-03-19T13:04:53Z Ratehub.ca no https://www.ratehub.ca/banks/bank-mortgage-rates https://i.ytimg.com/vi/9_oZIUP9ji0/default.jpg March 18, 2026: Bank of Canada announcement https://www.youtube.com/embed/9_oZIUP9ji0 The Bank of Canada held the target for the overnight rate at 2.25% in its March 18, 2026 announcement, keeping rates unchanged for the third consecutive decision. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 00:07 Announcement highlights 01:05 Impact on variable rates 01:18 Impact on fixed rates 01:45 Tips for homebuyers 1:59 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 137 1369 2026-03-18T19:44:40Z Ratehub.ca no https://www.ratehub.ca/best-mortgage-rates/heloc https://www.ratehub.ca/best-mortgage-rates/5-year/variable https://i.ytimg.com/vi/9_oZIUP9ji0/default.jpg March 18, 2026: Bank of Canada announcement https://www.youtube.com/embed/9_oZIUP9ji0 The Bank of Canada held the target for the overnight rate at 2.25% in its March 18, 2026 announcement, keeping rates unchanged for the third consecutive decision. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 00:07 Announcement highlights 01:05 Impact on variable rates 01:18 Impact on fixed rates 01:45 Tips for homebuyers 1:59 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 137 1369 2026-03-18T19:44:40Z Ratehub.ca no https://www.ratehub.ca/best-mortgage-rates/5-year/fixed https://i.ytimg.com/vi/9_oZIUP9ji0/default.jpg March 18, 2026: Bank of Canada announcement https://www.youtube.com/embed/9_oZIUP9ji0 The Bank of Canada held the target for the overnight rate at 2.25% in its March 18, 2026 announcement, keeping rates unchanged for the third consecutive decision. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 00:07 Announcement highlights 01:05 Impact on variable rates 01:18 Impact on fixed rates 01:45 Tips for homebuyers 1:59 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 137 1369 2026-03-18T19:44:40Z Ratehub.ca no https://www.ratehub.ca/best-mortgage-rates https://i.ytimg.com/vi/9_oZIUP9ji0/default.jpg March 18, 2026: Bank of Canada announcement https://www.youtube.com/embed/9_oZIUP9ji0 The Bank of Canada held the target for the overnight rate at 2.25% in its March 18, 2026 announcement, keeping rates unchanged for the third consecutive decision. What does this mean for you? In this video, mortgage expert Penelope Graham discusses: 00:07 Announcement highlights 01:05 Impact on variable rates 01:18 Impact on fixed rates 01:45 Tips for homebuyers 1:59 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 137 1369 2026-03-18T19:44:40Z Ratehub.ca no https://www.ratehub.ca/blog/how-much-mortgage-can-i-afford/ https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/blog/what-is-the-difference-between-the-term-and-amortization-of-a-mortgage/ https://i.ytimg.com/vi/LbJv69qPlo0/default.jpg 3 tips for renewing your mortgage in 2024 – The first one might surprise you! https://www.youtube.com/embed/LbJv69qPlo0 Ratehub.ca’s The Mortgage Memo: With today’s high mortgage rates, you might be feeling uneasy if your mortgage is up for renewal in 2024. There are some things you can do to put yourself in a good position to get a good rate at renewal. In this video, mortgage expert James Laird discusses: 0:00 Overview 0:25 Don’t renew early with existing lender 0:55 Secure rate holds 1:13 Shop around for the best rate 1:31 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 108 6350 2024-02-29T19:14:12Z Ratehub.ca no https://www.ratehub.ca/blog/should-the-stress-test-be-required-for-renewals/ https://i.ytimg.com/vi/LbJv69qPlo0/default.jpg 3 tips for renewing your mortgage in 2024 – The first one might surprise you! https://www.youtube.com/embed/LbJv69qPlo0 Ratehub.ca’s The Mortgage Memo: With today’s high mortgage rates, you might be feeling uneasy if your mortgage is up for renewal in 2024. There are some things you can do to put yourself in a good position to get a good rate at renewal. In this video, mortgage expert James Laird discusses: 0:00 Overview 0:25 Don’t renew early with existing lender 0:55 Secure rate holds 1:13 Shop around for the best rate 1:31 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 108 6350 2024-02-29T19:14:12Z Ratehub.ca no https://www.ratehub.ca/podcast/real-money-talk https://i.ytimg.com/vi/Bp6VqjvUAOw/default.jpg Real Money Talk - Video Intro https://www.youtube.com/embed/Bp6VqjvUAOw NaN 262 2021-05-05T19:51:23Z Ratehub.ca no https://www.ratehub.ca/media https://i.ytimg.com/vi/IU7ZNScKlxY/default.jpg Ratehub.ca annoncé en partenariat avec TVA Argent https://www.youtube.com/embed/IU7ZNScKlxY L'annonce de ce partenariat entre le Groupe TVA et Ratehub permettra maintenant aux internautes francophone de profiter des calculatrices hypothécaires à la fine pointe afin de prendre de meilleures décisions financières. Ces quatre outils pratiques sont disponible dans une nouvelle section Guide à la propriété du site web Argent: http://argent.canoe.ca/dossiers/guide-la-propriete 586 199 2014-05-02T00:19:48Z Ratehub Montréal no https://www.ratehub.ca/press-centre https://i.ytimg.com/vi/9-wAfls_Rk4/default.jpg 2025 Mortgage Rule Changes for Homebuyers https://www.youtube.com/embed/9-wAfls_Rk4 Ratehub.ca’s The Mortgage Memo: Major mortgage qualification rules are changing in 2025, especially for first-time homebuyers. Are you ready? In this video, our expert, Penelope Graham, unpacks: 0:00 Overview of 2025 Mortgage Rule Changes 0:44 Updates to Amortization Periods 1:00 Key Changes for Insured Mortgages 1:07 New Down Payment Requirements 1:24 Important Takeaways for Homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 113 5227 2024-12-19T17:32:47Z Ratehub.ca no https://www.ratehub.ca/blog/5-tips-for-saving-for-your-first-home/ https://i.ytimg.com/vi/Ly5RgnhMsCw/default.jpg FHSA explained - How to use the First Home Savings Account https://www.youtube.com/embed/Ly5RgnhMsCw The Mortgage Memo: The First Home Savings Account (FHSA) is the latest tool provided by the federal government to help first-time home buyers save up for a down payment. In this video, Ratehub.ca’s Director of Content, Penelope Graham, discusses: 0:00 What is the FHSA? 0:27 Key features of the FHSA 1:06 What makes the FHSA different? 1:48 Investing your FHSA 2:05 How to access your FHSA funds 2:15 Where to get an FHSA Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 158 828 2023-05-18T15:22:56Z Ratehub.ca no https://www.ratehub.ca/blog/2-reasons-to-switch-mortgage-providers-at-renewal-time/ https://i.ytimg.com/vi/LbJv69qPlo0/default.jpg 3 tips for renewing your mortgage in 2024 – The first one might surprise you! https://www.youtube.com/embed/LbJv69qPlo0 Ratehub.ca’s The Mortgage Memo: With today’s high mortgage rates, you might be feeling uneasy if your mortgage is up for renewal in 2024. There are some things you can do to put yourself in a good position to get a good rate at renewal. In this video, mortgage expert James Laird discusses: 0:00 Overview 0:25 Don’t renew early with existing lender 0:55 Secure rate holds 1:13 Shop around for the best rate 1:31 Key takeaways To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here: https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 108 6350 2024-02-29T19:14:12Z Ratehub.ca no https://www.ratehub.ca/blog/the-pros-and-cons-of-buying-a-co-op-property/ https://i.ytimg.com/vi/kWfbLPmOeTs/default.jpg What is a (Housing) Co-operative? https://www.youtube.com/embed/kWfbLPmOeTs Co-operatives have unique strengths, but they're not as familiar to many as business corporations or charities. Here's a chance to learn some co-op basics and the special advantages that makes them a great choice for housing. Learn more at: https://www.chf.bc.ca/living-co-op/ 223 80335 2019-10-04T20:09:23Z coopsbc no https://www.ratehub.ca/blog/5-facts-about-the-rrsp-home-buyers-plan/ https://i.ytimg.com/vi/f5iz26AflGI/default.jpg The RRSP Home Buyers' Plan - Mortgage Math #3 with Ratehub.ca https://www.youtube.com/embed/f5iz26AflGI See today's best mortgage rates from the Big Banks and brokers at http://www.ratehub.ca The RRSP Home Buyers' Plan (HBP) helps first-time homebuyers use their RRSPs to buy a home in Canada. Toronto-based realtor Lauren Haw shows us how. 0:31 Eligibility for the RRSP Home Buyers' Plan 1:39 RRSP Repayments 2:23 Underpayment: Paying Less Than Your Minimum 2:53 Overpayment: Paying More Than Your Minimum ABOUT MORTGAGE MATH: Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership. Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard. WATCH THE OTHER MORTGAGE MATH VIDEOS: 1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0 2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0 3. The RRSP Home Buyers' Plan - http://youtu.be/f5iz26AflGI 4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o 5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM 6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw 7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w 232 79650 2012-12-18T21:27:38Z Ratehub.ca no https://www.ratehub.ca/blog/the-psychology-of-money/ https://i.ytimg.com/vi/GfuKknowJzY/default.jpg The Psychology of spending with Eric Dolansky https://www.youtube.com/embed/GfuKknowJzY [0:00 - 0:36] Intro [0:37 - 1:15] With me is guest host Jon Vassallo, director of sales for Ratehub.ca and general manager of MoneySense magazine. Hello Jon. Our guest on the show today is Eric Dolansky. Eric received his PhD and MBA from the Richard Ivey Business School at Western University. He’s now a professor at the Goodman school of Business at Brock University. His main area of research is in studying pricing and price perception, consumer estimations of value, consumer behaviour and behavioural economics and that’s why we’ve brought him on the show today. Hello Eric. [1:16 - 4:19] Money Mistakes - switching bank accounts, buying too much booze (Thank you, Rosehall run, trying to time the mortgage market [4:20 - 6:18] What influences consumer behaviour? What drives people to spend money? Why did Eric focus on consumer psychology? [6:19 - 7:16] Quick decisions we make on price, but we should step back and really think about it. [7:17 - 10:08] Wine pricing at restaurants. Why it goes from cheapest to most expensive. Why is that? Eric explains the psychology behind wine lists. [10:09 - 12:09] Does the same apply to gas prices? Are people accepting of gas pricing or will there be a tipping point? [12:10 - 14:32] What made so many Canadians buy toilet paper in COVID? [14:33 - 16:49] Will some companies feel negative effects from overpricing products during the pandemic? [16:50 - 19:19] What impact will COVID have on Canadian consumer behaviour? What are the long lasting impacts of COVID on consumer behaviour? [19:20 - 21:44] Do you think Canadian consumers will be ready to spend money on travel? When will the travel industry recover? [21:45 - 24:45] Do you see Canadians will only buy online after COVID? Will retail recover? [24:46 - 26:29] Do Canadians have a debt problem? Why do Canadians have a debt problem? [26:30 - 37:13] How does an organization find a balance between charging enough for profit and what people are willing to pay? This turns into a case study on UP Express pricing. [37:14 - 39:24] Should people apply pricing behaviour to their own purchases? [39:25 - 44:29] Rapid fire questions with Eric Dolansky [44:30 - 47:16] The Knowledge Bank - How to get cheap car insurance - https://www.ratehub.ca/blog/7-ways-to-get-the-cheapest-car-insurance-possible/ [47:17 - 48:07] Outro 2888 268 2020-06-08T18:15:53Z Ratehub.ca no https://www.ratehub.ca/blog/the-wealthy-barber-and-stylist/ https://i.ytimg.com/vi/WeXE_S6LTuo/default.jpg Real Money Talk Podcast with Shawnn & Dee - The wealthy barber and stylist https://www.youtube.com/embed/WeXE_S6LTuo This podcast is brought to you by EQ Bank and the EQ Bank Savings Plus Account. [0:00 - 1:17] Intro [1:18 - 2:55] Opening monologue David Chilton’s book, “The Wealthy Barber,” tells us that if a barber can be wealthy, given how much they make, anyone can. The rules are simple. Live below your means, learn how to save, start an emergency fund, and as early as you can, pay yourself first - 10% of your earnings should go to investing. It doesn’t have to be complicated, these days you can use a robo advisor like Wealthsimple, Questwealth, or JustWealth, and let the algorithm do most of the work for you. You need to pay off any credit card debt, diversify your investments, and as we age, we should set up wills, get life insurance for our dependents, pay off your mortgage in your 50’s, and have 8x your salary saved by your 60’s. If you want a plan, ask the wealthy barber, read his book, it's a classic of personal finance. We decided the idea of a wealthy barber is one worth exploring. So, we reached out to Shawnnn, owner of the Pretty Rugged Hair Co and Dee, a stylist at Educo Salon to ask them about money and gain insights from their two unique perspectives. We talk about the industry, building a business, and earning clients. What shines through to me though, is how universal the learnings are. How we can apply what they say to our own lives. Life is a journey, happiness - a never ending pursuit. We must chase our dreams, and if we do, the money will come. If we’re happy in our work, if we’re passionate about what we do, then we figure out how to live our lives according to the money we earn. That’s real wealth, and this is Real Money Talk. [2:56 - 7:23] Introductions and Money Mistakes - Overspending at the barbershop, Buying the wrong cape, Too late vintage coat, Not buying childhood fun [7:24 - 9:03] Shawnn - How did you arrive at being a barber and hairdresser? What was the path to get here? [9:04 - 12:Dee - What’s your story?And Who is Vidal Sasoon? [12:45 - 13:06] Shawnn and Dee are engaged - Hair brings the romance out in all of us. A [13:07 - 16:06] Tell me about Hair School. That’s a dedicated decision. Is there a certification for hair cutting? Can you not walk into a salon and start cutting hair? Shawnn was only able to attend school with the help of government programs because of how expensive it is. [16:07 - 17:54] Shawnn - it’s like trades, you have to work on the job. [17:55 - 19:11] What does your day look like at a barber shop or salon, Shawnn? Why did Shawnn leave the salon shop? [19:12 - 19:59] But now it’s different owning a barbershop. Manage expenses like rent. How do you do it as an entrepreneur? [20:00 - 21:54] Dee’s day in a salon is very different from Shawnn’s. Much busier, many technical roles. Balayage specialist. Colorist. Assistants. Front desk. Highlights. Blow outs. Cuts. Wash-outs. Bridal. Extensions. [21:55 - 27:04] How much money does a barber make? How much does a stylist make? Do you pay for chairs like rent? What are the general costs of being a hairdresser or barber? Scissors are more than $20. Dee works on commission, but there are different situations. Start with a base salary, likely hourly. You need social media to succeed long term. [27:05 - 27:51] Shawnn - How’s your social media game? What are your water bills like? Real investment is your time. [27:52 - 28:49] Dee - It takes 4 years to build a client base. [28:50 - 29:33] Shawnn, did you bring your clients over? People want to use what’s easy. [29:34 - 32:08] Touch on some of the tools. If you’re a brand new barber, what tools do you use? How much does it cost? Shears are $450-$2,000, plus sharpening. But you don’t want’em super sharp. [32:09 - 33:39] Dee - You have to keep educating yourself, invest in yourself. [33:40 - 36:21] With all these costs, how important is tipping? How much should people be tipping? How does a stylist get paid? Some stylists make less than minimum wage. [36:22 - 37:05] Are there common misconceptions about being a stylist? What should a client know? Dee gets asked a lot if it’s a part time job or still in school. [37:06 - 38:39] Do you want to have a conversation with the guest? Shawnn leaves it to the individual. But no politics or religion. [38:40 - 40:09] Dee is a chatterbox. Clients are like family. Dee’s sister wants her hair cut by Shawnn. [40:10 - 48:03] Rapid fire questions -What’s in your wallet? Favourite book you think everyone should read, Favourite movie, What are you binge watching? Biggest mistake a new barber will make? Best piece of advice you’ve received, and If you could have a billboard on the side of the Trans Canada Highway - what would you want it to tell the world? [48:04 - 40:46] Financial tip of the week. Should I save for retirement in a TFSA or an RRSP? [50:47 - 51:58] Outro 3119 170 2020-05-09T22:24:05Z Ratehub.ca no https://www.ratehub.ca/blog/jon-montgomery-embrace-your-average-be-great/ https://i.ytimg.com/vi/GAUHItdNM9Q/default.jpg REAL MONEY TALK PODCAST with Jon Montgomery Olympian https://www.youtube.com/embed/GAUHItdNM9Q Jon Montgomery took time out of his busy schedule to speak with the Real Money Talk Podcast about his thoughts on what it takes to make it as an Olympian, how to overcome the financial hurdles, and staying motivated in life. This podcast is brought to you by EQ Bank and the EQ Bank savings plus account [0:00 - 3:12] Intro [3:13 - 7:19] Money Mistakes - Apple computer repair, skating lessons, getting scammed and gouged [7:20 - 9:06] The Jon Montgomery Story - Were you always interested in pursuing Olympics? His start as an auctioneer and in car sales and wanting to represent Canada on the world stage. You need passion. [9:07 - 11:10] I thought it was a luge accident. I wanted to represent Canada. I saw Theo Fleury win a gold. Berating the French judge for collusion. TSN Turning Point. [11:11 - 12:43] Are you a speed demon at heart? I wanted to try something hair brained and bananas. I went Sky Diving. I was seeking out challenges. I approached fear, pushed past it, and came to terms with it. [12:44 - 14:39] If you fear something, you should move towards it. Yes, absolutely - wife, college, university, olympics - all were cause for pause. Overcoming inertia is incredibly difficult. To keep it moving is much easier. Gotta take the first steps. The experience in the world today, means we have to do it now, because it takes so much effort. [14:40 - 19:10] You need money to pursue dreams. How did you fund your training and make ends meet? How did you survive? What would you tell future Olympians about funding? I’m lucky and privileged. My parents gave me a beat up car and saved for my education. I didn’t have the burden of student loans. My parents championed going to school. I wasn’t going to get a free ride. Take the risk of bestowing an education upon yourself. I had a trade that allowed me to find opportunities in sport. A bank will give you credit with an education. [19:11 - 22:11] Debt isn’t bad, you need it to build credit. With kids of your own, will you pay for their education? You have to think about it now with RESPs. If you help people, you will get what you want. I never sold a car, I solved transportation problems. Hopefully there are scholarships. Our kids will be average and normal. Expecting otherwise is wishful thinking. [23:12 - 26:22] What if your kids wanted to pursue the Olympics? What advice would you give about funding for Canadian Athletes? I’m opportunistic. Do it because you love it. Work towards it. Don’t do it for the glory, but because you love it. There are multiple rewards. Know your with, trying it and you’ll learn. Attitude shapes our lives. Perspective is everything. Attitude will determine success. [26:23 - 27:09] Tyler’s friend is training his son to throw left handed to make the MLB. Let your kid have fun. [27:10 - 31:45] Your attitude is always on display. Talk to us about your charitable initiatives Kidsport and RightToPlay. Being a part of something bigger than yourself is important. If you want to go fast, go alone. If you want to go far, go together. I failed to qualify for the 2014 Olympics. Sport is a right. Playing is a right. We need to be celebrated individually. That can happen in sports. Your place in society is created in structured organized sport. [31:46 - 33:49] Sandra’s kid is able to take drama much better because of sport. School drama goes away because of being on a team. Perspective is everything. Sport is an outlet to realize life is multi faceted. It’s easier to not internalize the bad. [33:50 - 37:39] Do you think all your experiences have helped you in your life now? Retrospectively, when you look back at everything is where you gain insights, that’s where the lessons are found. Martina and Phil from season 6 of Amazing Race Canada - out of their comfort zone - watching someone overcome adversity, you understand it much better. I revere people who push through the struggle. [37:40 - 47:49] RAPID FIRE QUESTIONS - What’s in your wallet? What’s your favourite book? Favourite sport to watch, play and - do you still skeleton? What are you binge watching right now? Have you seen Free Solo? What’s the biggest mistake a future Olympian can make? What does your billboard say? [47:50 - 50:32] Financial tip for the week - You need to build an emergency fund. Here’s how. [50:33 - 51:44] Outro 3104 49 2020-05-08T22:12:53Z Ratehub.ca no https://www.ratehub.ca/blog/how-musicians-make-money/ https://i.ytimg.com/vi/L-Z7wf14PVg/default.jpg Real Money Talk Podcast with Mike Evin - musician https://www.youtube.com/embed/L-Z7wf14PVg With the rising cost of living and the way, people purchase music evolving rapidly over the last few years, working as a musician seems only possible as a side-hustle or passion project. The mere idea of a musician working for a living nowadays seems far fetched, almost near impossible. But for this week’s Ratehub.ca’s Real Money Talk guest, Mike Evin, is a full time working musician currently living in Toronto, Ontario. Evin’s work as a musician spans nearly two decades, with full-length albums, a handful of EPs, and a few charming music videos. He’s also worked with Juno-nominated producers, and earned regular playtime on CBC Music. Evin’s also earned nods from some of Canada’s most notable working musicians, (like Dan Mangan and Sarah Harmer), and shared the stage with staples of Canada’s professional musician industry (like the Barenaked Ladies and Ron Sexsmith.) We spoke with Mike Evin about the ins-and-outs of what life as a working musician is like, how musicians make ends meet today, and other topics, including insider tips and tricks on how musicians can make the most of their time working in the competitive music industry. This podcast is brought to you by EQ Bank and the EQ Bank Savings plus account. [0:00 - 3:36] Intro [3:36 - Money Mistakes and Money Makeups - losing money as a musician, too much alcohol, cancelled gigs [6:24 - 7:29] Tell us the Mike Evin story - playing music as a kid, jazz as a teenager, high school band, late teens writing songs. [7:30 - 8:24] When was the first time you thought you could make money as a musician? [8:25 - 11:29] Did you play in small clubs? WHat’s the earliest memories of making money as a musician? Great story about the real life struggles of getting paid as a musician. [11:30 - 13:14] What would you say to a self employed musician in getting paid well. Should a musician accept drinks as payment? You need confidence and love and respect. [13:15 - 16:34] Venues are shutting down. How does an artist stand up for themselves? People shouldn’t be happy with whatever they can get, but take it gig by gig. The three thing rule - pay, quality of music, and the hang. You need two of those. [16:35 - 20:24] How do musicians earn money these days after a decade of streaming and file sharing? Limewire, Napster and now subscription based services like Napster. For every 1 million streams you get $4,000 - it’s not worth it. THere needs to be other sources. You need to diversify. Neighboring rights [20:25 - 22:09] There’s a lot of money that goes out when making music. How do you find that balance? It’s not a regular 9-5 job with a bi weekly paycheck. How do you manage the cash flow? [22:10 - 23:29] How long does it take to fill out a money grant? Does it have to be 100% made in Canada? Yes, there are stipulations - they can be political, quality of music, but there are far more criteria. Making money from ticket sales, merchandise, Socan. [23:30 - Is Canadian content (CANCON) rules restrictive - does that restrict our artists growing out of Canada? All Canadian record labels, if you took grant funding away, you’d go bankrupt. [26:51 - 29:02] About visas to work in the United States. You need a US Visa to work. Be careful crossing the border without a proper visa. You don’t want to get screwed. What’s the best way fans can support their favourite artists where streaming is the norm? [29:03 - 29:59] We had a song on the TV show Letterkenny - Zack learns a lesson. Mike teaches him - how come you don’t get royalties from Socan for having your music in the show? In this day and age, it’s so easy to educate yourself about money. Leave no stone unturned. [31:00 - 33:29] What money saving tips do you have for people pursuing a career in music? Diversify. Get students out to shows and...in your music videos. [33:30 - 34:44] What’s the hardest part of a day to day life of a working musician? Staying motivated. Money is still a struggle. [34:45 - 36:39] Do you worry about money? You have to love what you do for the struggle to be worth it. How to ground yourself as a musician. [36:40 - 39:59] RAPID FIRE QUESTIONS - What’s in your wallet? What’s your favourite book? What’s your favourite song to play? Who is your favourite musician? What is the biggest a musician can make? What does your billboard say? [40:00 - 42:43] Ratehub.ca financial tip of the week. How do I spend less and save more money? [42:44 - 43:55] Outro 2636 64 2020-05-08T21:56:06Z Ratehub.ca no https://i.ytimg.com/vi/L-Z7wf14PVg/default.jpg Real Money Talk Podcast with Mike Evin - musician https://www.youtube.com/embed/L-Z7wf14PVg With the rising cost of living and the way, people purchase music evolving rapidly over the last few years, working as a musician seems only possible as a side-hustle or passion project. The mere idea of a musician working for a living nowadays seems far fetched, almost near impossible. But for this week’s Ratehub.ca’s Real Money Talk guest, Mike Evin, is a full time working musician currently living in Toronto, Ontario. Evin’s work as a musician spans nearly two decades, with full-length albums, a handful of EPs, and a few charming music videos. He’s also worked with Juno-nominated producers, and earned regular playtime on CBC Music. Evin’s also earned nods from some of Canada’s most notable working musicians, (like Dan Mangan and Sarah Harmer), and shared the stage with staples of Canada’s professional musician industry (like the Barenaked Ladies and Ron Sexsmith.) We spoke with Mike Evin about the ins-and-outs of what life as a working musician is like, how musicians make ends meet today, and other topics, including insider tips and tricks on how musicians can make the most of their time working in the competitive music industry. This podcast is brought to you by EQ Bank and the EQ Bank Savings plus account. [0:00 - 3:36] Intro [3:36 - Money Mistakes and Money Makeups - losing money as a musician, too much alcohol, cancelled gigs [6:24 - 7:29] Tell us the Mike Evin story - playing music as a kid, jazz as a teenager, high school band, late teens writing songs. [7:30 - 8:24] When was the first time you thought you could make money as a musician? [8:25 - 11:29] Did you play in small clubs? WHat’s the earliest memories of making money as a musician? Great story about the real life struggles of getting paid as a musician. [11:30 - 13:14] What would you say to a self employed musician in getting paid well. Should a musician accept drinks as payment? You need confidence and love and respect. [13:15 - 16:34] Venues are shutting down. How does an artist stand up for themselves? People shouldn’t be happy with whatever they can get, but take it gig by gig. The three thing rule - pay, quality of music, and the hang. You need two of those. [16:35 - 20:24] How do musicians earn money these days after a decade of streaming and file sharing? Limewire, Napster and now subscription based services like Napster. For every 1 million streams you get $4,000 - it’s not worth it. THere needs to be other sources. You need to diversify. Neighboring rights [20:25 - 22:09] There’s a lot of money that goes out when making music. How do you find that balance? It’s not a regular 9-5 job with a bi weekly paycheck. How do you manage the cash flow? [22:10 - 23:29] How long does it take to fill out a money grant? Does it have to be 100% made in Canada? Yes, there are stipulations - they can be political, quality of music, but there are far more criteria. Making money from ticket sales, merchandise, Socan. [23:30 - Is Canadian content (CANCON) rules restrictive - does that restrict our artists growing out of Canada? All Canadian record labels, if you took grant funding away, you’d go bankrupt. [26:51 - 29:02] About visas to work in the United States. You need a US Visa to work. Be careful crossing the border without a proper visa. You don’t want to get screwed. What’s the best way fans can support their favourite artists where streaming is the norm? [29:03 - 29:59] We had a song on the TV show Letterkenny - Zack learns a lesson. Mike teaches him - how come you don’t get royalties from Socan for having your music in the show? In this day and age, it’s so easy to educate yourself about money. Leave no stone unturned. [31:00 - 33:29] What money saving tips do you have for people pursuing a career in music? Diversify. Get students out to shows and...in your music videos. [33:30 - 34:44] What’s the hardest part of a day to day life of a working musician? Staying motivated. Money is still a struggle. [34:45 - 36:39] Do you worry about money? You have to love what you do for the struggle to be worth it. How to ground yourself as a musician. [36:40 - 39:59] RAPID FIRE QUESTIONS - What’s in your wallet? What’s your favourite book? What’s your favourite song to play? Who is your favourite musician? What is the biggest a musician can make? What does your billboard say? [40:00 - 42:43] Ratehub.ca financial tip of the week. How do I spend less and save more money? [42:44 - 43:55] Outro 2636 64 2020-05-08T21:56:06Z Ratehub.ca no https://www.ratehub.ca/blog/how-tech-is-helping-the-homeless/ https://i.ytimg.com/vi/GRMNL__dsJE/default.jpg Real Money Talk Podcast with CG Chen - Ample Labs https://www.youtube.com/embed/GRMNL__dsJE We think of the homeless as people on the street, but there are far more people living in transition - couch surfing or sleeping in the back seat of their cars. If you were down and out, if you had no money, do you know where to go for food and shelter? Enter Chalmers, an app for the homeless developed by Ample Labs. An app to help the people on the street find essential services like food, shelter, and even help them in crisis. Today on the show, we interview the founder of Ample Labs, CG Chen. We ask how a homeless person makes use of an app? Should we try to make change with them, or give it to a charity? Oh, and there's a few reality checks along the way. [0:00 - 4:19] Intro - this Podcast is brought to you by EQ bank and the EQ Bank Savings Plus Account. [4:20 - 7:15] Money mistakes and makeups [7:16 - 8:04] Tell us about what Ample Labs is doing. A tech non-profit Using technology to empower people at risk. [8:05 - 9:14] Do homeless people have smartphones? Where do they get them? Only 10% of homeless are on the street, they are chronically homeless. 80% of people experiencing homelessness are hidden. [9:15 - 10:04] Most people are 3 bad months from homlessness. Most of us aren’t 3 months from becoming a millionaire. No one decides to become homeless. 4/10 Shelter residents are refugees. [10:05 - 10:54] How does the Chalmers bot deal with foreign languages? [10:55 - 11:54] Earlier episode with refugee, Fatma. Majority of people turn to Google in these situations. . But you won’t always get the most relevant websites. [11:55 - 14:29] How did you come up with this idea? CG’s story of a close friend becoming homeless. [14:30 - 15:24] Toronto’s rent is less affordable than San Francisco’s. [15:25 - 16:20] Building technology in the tech sector is creates wealth, but they need to contribute to the solution [16:21 - 17:29] How do you promote Chalmers? Word of mouth, reaching out in the communities, and working with support services. [17:30 - 18:49] Is there competition in the social good space? More apps for the homeless? Another app called Helpseeker. It’s competitive but we’re all working together. [18:50 - 20:09] How did Chalmers expand out of Toronto? Police officers, and other first responders benefit from Chalmers. [20:10 - 23:19] I tried Chalmers (https://chalmers.amplelabs.co/). It's incredibly fast. Do you work with the city services? How do you know beds are available? How do you know there’s food available? We work with 211Ontario. Chalmers enables you to find real time alternatives. You can’t do this with Google. [23:20 - 24:59] What’s the future of this technology? Can Chalmers help find volunteers? Would it translate into more? Helping people [25:00 - 26:24] What are the next steps for you? How do we measure the impact? 20% retention on Chalmers. We want people off the app, that means success. How do we scale into more communities? The software is modular so we can partner [26:25 - 27:09] What’s the end goal for Chalmers? Barriers interested in putting Chalmers on Ipads at bus stops. [27:10 - 29:42] Myth Busting questions - Should we give money to the homeless? Or is it better to give to charity? Give someone change, it’s not big enough to be harmful, but more importantly, have a conversation. Buy them a meal. The biggest impact is to connect and have a conversation. [29:43 - 30:45] What’s a tip to have a conversation with a homeless person? [30:46 - 32:29] A nice story on the TTC and helping people out. Homeless is because of segregation. It’s not us against them. We’re all people. [32:30 - 32:59] You’re crazy, looking for your next hit. Attend a community event, get volunteers to talk with people and the myth goes away. [33:00 - 32:39] How does someone help Chalmers? Chalmers Crowdfunding campaign. Volunteer. [33:40 - 35:04] Rapid fire questions. [35:05 - 35:59] What’s it like being a founder? [36:00 - 38:57] How can you improve your credit score? [38:58 -40:08] Outro 2408 79 2020-04-05T17:15:09Z Ratehub.ca no https://www.ratehub.ca/blog/renovations-and-your-money-manny-from-hardcore-renos/ https://i.ytimg.com/vi/Jhx4H-bQFQg/default.jpg REAL MONEY TALK Podcast with Manny - Hardcore Renos https://www.youtube.com/embed/Jhx4H-bQFQg I’ve worked for renovation companies. I have friends who are contractors. The construction industry is a dinosaur and educating yourself will help move it forward. Whether you’re planning a renovation in the future, thinking about entering the business, or just want to get educated on construction, Manny from Hardcore Renos is as real as it gets. Renovation TV shows aren’t real. We ask how much contractors make, about paying for jobs in cash, and if buying a home is still a good idea. We want to know the best ways to work with a contractor to not waste your money, your time, or lose your mind. Follow Manny on instagram @hardcorerenos, on his Youtube channel, and listen to his podcast, “the construction life.” you’ll love the stuff he posts. Today, I’m joined by Ratehub’s VP of marketing Luke Sheehan and content strategist, Hyder Owainati. Real Money Talk is brought to you by EQ bank and the EQ Bank Savings Plus account Season 2 we look at everyday life, work, through the lens of money. [0:00 - 1:41] intro [1:42 - 3:08] Renovation TV isn’t real. Follow Manny on social media, youtube, and his website, Hardcore Renos. [3:09 - 6:55] Money mistakes - hotel deal discounts, construction mistakes, gift cards for dining out, buying your own materials for a renovation [6:56 - 8:40] Should a homeowner buy their own materials for a renovation? [8:41 - 9:22] Luke has no skills [9:23 - 13:00] What’s the hardcore renos story? Film to renovation, social media, networking, growth, being vocal. [13:01 - 14:21] You’re trying to change the industry. Give clarity to renovations. Everyone wants to make a lot of money for a little bit of work. Walk, don’t run. [14:22 - 16:47] What insights do you have that other contractors don’t want you to know [16:48 - 21:24] Do you think contractors are paid appropriately? How much do contractors make? Canada needs trades people - what do we do? [21:25 - 23:20] What tips do you have for consumers in doing a renovation? This Old House is not a fabrication. It’s quality. Research and watch TV but know it’s not for real. [23:21 - 25:42] How should you pay a contractor? Project management fees? Percentages? Should you pay a contractor in cash? Woodbridge visa. [25:43 - 28:23] Is there a cash price in renovation? [28:24 - 30:05] Is buying a house still a good investment? Passive income in rental properties? Flip a house? [30:06 - 31:24] Invest money in your house to sell it. Is it true? Where you should spend money on a house - Kitchen, Bath and…? [31:25 - The value of in floor hydronic heating vs. forced air furnace. Updating your old radiators. Forced air and other people's breath. [33:05 - 33:27] Funny story about conversation overheard by mom through ducting [33:28 - 35:44] What are some renovation tips to get the most bang for your buck? [35:45 - 37:16] On heated toilet seats and bidets. [37:18 - 38:07] On storage and planning out your reno based on the dynamic of the family [38:08 - 39:49] What are the worst ideas people have for a renovation? Any case where you want to say no to what the client wants? [39:50 - 45:59] Rapid fire questions - what’s in your wallet? What’s the most useful tool every contractor should have? Holmes on Homes yes or no? Jiffy app/Homestars yay or nay? Quote on a billboard? What’s the biggest mistake a client will make? How should the younger generation of contractors get ahead in the industry? [46:00 - 47:54] Decimal financial tip of the week - Keep your savings goals lean [47:55 - 49:10] Outro 2804 140 2020-04-05T16:43:33Z Ratehub.ca no https://i.ytimg.com/vi/Jhx4H-bQFQg/default.jpg REAL MONEY TALK Podcast with Manny - Hardcore Renos https://www.youtube.com/embed/Jhx4H-bQFQg I’ve worked for renovation companies. I have friends who are contractors. The construction industry is a dinosaur and educating yourself will help move it forward. Whether you’re planning a renovation in the future, thinking about entering the business, or just want to get educated on construction, Manny from Hardcore Renos is as real as it gets. Renovation TV shows aren’t real. We ask how much contractors make, about paying for jobs in cash, and if buying a home is still a good idea. We want to know the best ways to work with a contractor to not waste your money, your time, or lose your mind. Follow Manny on instagram @hardcorerenos, on his Youtube channel, and listen to his podcast, “the construction life.” you’ll love the stuff he posts. Today, I’m joined by Ratehub’s VP of marketing Luke Sheehan and content strategist, Hyder Owainati. Real Money Talk is brought to you by EQ bank and the EQ Bank Savings Plus account Season 2 we look at everyday life, work, through the lens of money. [0:00 - 1:41] intro [1:42 - 3:08] Renovation TV isn’t real. Follow Manny on social media, youtube, and his website, Hardcore Renos. [3:09 - 6:55] Money mistakes - hotel deal discounts, construction mistakes, gift cards for dining out, buying your own materials for a renovation [6:56 - 8:40] Should a homeowner buy their own materials for a renovation? [8:41 - 9:22] Luke has no skills [9:23 - 13:00] What’s the hardcore renos story? Film to renovation, social media, networking, growth, being vocal. [13:01 - 14:21] You’re trying to change the industry. Give clarity to renovations. Everyone wants to make a lot of money for a little bit of work. Walk, don’t run. [14:22 - 16:47] What insights do you have that other contractors don’t want you to know [16:48 - 21:24] Do you think contractors are paid appropriately? How much do contractors make? Canada needs trades people - what do we do? [21:25 - 23:20] What tips do you have for consumers in doing a renovation? This Old House is not a fabrication. It’s quality. Research and watch TV but know it’s not for real. [23:21 - 25:42] How should you pay a contractor? Project management fees? Percentages? Should you pay a contractor in cash? Woodbridge visa. [25:43 - 28:23] Is there a cash price in renovation? [28:24 - 30:05] Is buying a house still a good investment? Passive income in rental properties? Flip a house? [30:06 - 31:24] Invest money in your house to sell it. Is it true? Where you should spend money on a house - Kitchen, Bath and…? [31:25 - The value of in floor hydronic heating vs. forced air furnace. Updating your old radiators. Forced air and other people's breath. [33:05 - 33:27] Funny story about conversation overheard by mom through ducting [33:28 - 35:44] What are some renovation tips to get the most bang for your buck? [35:45 - 37:16] On heated toilet seats and bidets. [37:18 - 38:07] On storage and planning out your reno based on the dynamic of the family [38:08 - 39:49] What are the worst ideas people have for a renovation? Any case where you want to say no to what the client wants? [39:50 - 45:59] Rapid fire questions - what’s in your wallet? What’s the most useful tool every contractor should have? Holmes on Homes yes or no? Jiffy app/Homestars yay or nay? Quote on a billboard? What’s the biggest mistake a client will make? How should the younger generation of contractors get ahead in the industry? [46:00 - 47:54] Decimal financial tip of the week - Keep your savings goals lean [47:55 - 49:10] Outro 2804 140 2020-04-05T16:43:33Z Ratehub.ca no https://www.ratehub.ca/blog/starting-your-own-coffee-shop/ https://i.ytimg.com/vi/JFScwZ8QHw0/default.jpg REAL MONEY TALK Podcast with Justin – Black Cat Espresso Bar https://www.youtube.com/embed/JFScwZ8QHw0 Ever dream of opening up your own coffee shop? Wouldn’t it be lovely sipping on latte’s everyday, chatting up your regulars - serving up drip, cappuccinos, and flat whites? We talk to Justin of Black Cat Espresso Bar about what it’s like to own a coffee shop. We talk about 1st, 2nd, and 3rd wave coffee, the coffee scene in Toronto, and ask - should you tip your barista? Justin owns 2 shops in Toronto and also sells a delicious breakfast sandwich (a must try) to different shops around the city. In Season 2, we look at work through the lens of money. Money is a part of our everyday lives so why isn’t it an everyday discussion? You can enjoy the podcast on: - Apple Podcasts: https://podcasts.apple.com/us/podcast/real-money-talk/id1479075546 - Spotify: https://open.spotify.com/show/4OmjdCCTBhiuzrn0NH9Jyo?si=79N7sZLaQje5ICpL0j-uxw - Stitcher: https://www.stitcher.com/podcast/ratehubca/real-money-talk - Google Podcasts: https://podcasts.google.com/?feed=aHR0cHM6Ly9yZWFsbW9uZXl0YWxrLmxpYnN5bi5jb20v - RadioPublic: https://radiopublic.com/real-money-talk-a-fresh-take-on-WdAnVp - The Real (Money) Talk Podcast: https://www.ratehub.ca/podcast/real-money-talk 2306 150 2020-03-09T17:58:53Z Ratehub.ca no https://www.ratehub.ca/blog/living-on-welfare-or-ontario-works/ https://i.ytimg.com/vi/EvhpIdhaeTQ/default.jpg REAL MONEY TALK Podcast with Fatma - A refugee living in Canada https://www.youtube.com/embed/EvhpIdhaeTQ In our sixth episode, we speak with Fatma, a Canadian refugee who shares her personal story of struggle and gratitude. A single mom of twin boys with a psychology degree, Fatma fled her native Egypt for Canada to save her and her sons' lives. She lives on government subsidies, in a basement apartment, but her positive attitude and humility have given her a great outlook on life. You can enjoy the podcast on: - Apple Podcasts: https://podcasts.apple.com/us/podcast/real-money-talk/id1479075546 - Spotify: https://open.spotify.com/show/4OmjdCCTBhiuzrn0NH9Jyo?si=79N7sZLaQje5ICpL0j-uxw - Stitcher: https://www.stitcher.com/podcast/ratehubca/real-money-talk - Google Podcasts: https://podcasts.google.com/?feed=aHR0cHM6Ly9yZWFsbW9uZXl0YWxrLmxpYnN5bi5jb20v - RadioPublic: https://radiopublic.com/real-money-talk-a-fresh-take-on-WdAnVp 2270 95 2020-01-19T19:52:48Z Ratehub.ca no https://www.ratehub.ca/blog/money-mindfulness-chantel-chapman/ https://i.ytimg.com/vi/boY-62bchdY/default.jpg REAL MONEY TALK Podcast with Chantel Chapman – Mindful Money Coach https://www.youtube.com/embed/boY-62bchdY We don't talk about real money like this. In this episode, Chantel Chapman of whatthefinances.ca talks about mindfulness, not banking, and how it affects us internally - our breath, our nervous system, and brains. She helps us understand the why of the buy, and how to control our spending with balance. This show can serve as a history lesson on consumerism, our addiction to our money habits and how a 12-step program for your over/under spending, or other money disorders, affect your everyday. You want to tune in. It may be the most valuable financial advice you've heard in your entire life. How does our childhood affect our relationship with money? Is happiness with money possible? How can we find peace with our spending and be in control of our emotions? We explore it all. You can enjoy the podcast on: - Apple Podcasts: https://podcasts.apple.com/us/podcast/real-money-talk/id1479075546 - Spotify: https://open.spotify.com/show/4OmjdCCTBhiuzrn0NH9Jyo?si=79N7sZLaQje5ICpL0j-uxw - Stitcher: https://www.stitcher.com/podcast/ratehubca/real-money-talk - Google Podcasts: https://podcasts.google.com/?feed=aHR0cHM6Ly9yZWFsbW9uZXl0YWxrLmxpYnN5bi5jb20v - RadioPublic: https://radiopublic.com/real-money-talk-a-fresh-take-on-WdAnVp 2571 171 2020-02-29T00:34:19Z Ratehub.ca no https://www.ratehub.ca/blog/redeeming-travel-points-for-gift-cards-and-cash-credits/ https://i.ytimg.com/vi/2OP4tBQYstM/default.jpg How the BMO Rewards Program works - explained in 2 minutes https://www.youtube.com/embed/2OP4tBQYstM We cover everything you need to know about the BMO Rewards Program - from redemption options to point values, and more. Read more about the BMO Rewards Program: - https://www.ratehub.ca/credit-cards/bmo-rewards-point-value - https://www.ratehub.ca/blog/how-the-bmo-rewards-program-works/ Compare the best travel credit cards in Canada: - https://www.ratehub.ca/blog/best-travel-credit-cards-in-canada/ - https://www.ratehub.ca/credit-cards/travel 134 3386 2020-03-02T18:06:47Z Ratehub.ca no https://www.ratehub.ca/blog/how-the-bmo-rewards-program-works/ https://i.ytimg.com/vi/2OP4tBQYstM/default.jpg How the BMO Rewards Program works - explained in 2 minutes https://www.youtube.com/embed/2OP4tBQYstM We cover everything you need to know about the BMO Rewards Program - from redemption options to point values, and more. Read more about the BMO Rewards Program: - https://www.ratehub.ca/credit-cards/bmo-rewards-point-value - https://www.ratehub.ca/blog/how-the-bmo-rewards-program-works/ Compare the best travel credit cards in Canada: - https://www.ratehub.ca/blog/best-travel-credit-cards-in-canada/ - https://www.ratehub.ca/credit-cards/travel 134 3386 2020-03-02T18:06:47Z Ratehub.ca no https://www.ratehub.ca/blog/millennial-money-with-rob-carrick/ https://i.ytimg.com/vi/_YWTPtSYgko/default.jpg REAL MONEY TALK Podcast with Rob Carrick – Millennial Money https://www.youtube.com/embed/_YWTPtSYgko In our first ever episode we speak with Rob Carrick, personal finance columnist for The Globe and Mail, about millennials and their money. We cover everything from the bad, the good, and even get into retirement and home buying. You can enjoy the podcast on: - Apple Podcasts: https://podcasts.apple.com/us/podcast/real-money-talk/id1479075546 - Spotify: https://open.spotify.com/show/4OmjdCCTBhiuzrn0NH9Jyo?si=79N7sZLaQje5ICpL0j-uxw - Stitcher: https://www.stitcher.com/podcast/ratehubca/real-money-talk - Google Podcasts: https://podcasts.google.com/?feed=aHR0cHM6Ly9yZWFsbW9uZXl0YWxrLmxpYnN5bi5jb20v - RadioPublic: https://radiopublic.com/real-money-talk-WdAnVp - The Real (Money) Talk Podcast: https://www.ratehub.ca/podcast/real-money-talk [1:25] Money Makeups and Mess-ups [3:30] Do Millennials have it harder than previous generations? [6:25] 58% of 36 to 54 year olds think millennials are soft [7:30] What are the big financial mistakes among millennials? [9:00] Only 41% of millennials are investing their money [10:30] What are the first steps to starting an investment portfolio? The Real Life Money Launcher: https://www.theglobeandmail.com/investing/personal-finance/gen-y-money/article-down-payment-or-dream-trip-this-calculator-can-help-you-decide/ [12:15] Common Q&A from Millennials about money [13:15] Should I invest or pay down my student debt? [14:15] How much of a role does FOMO play in a millennial's finances? [15:50] The stress of homeownership and renovations [17:15] The financial advantages for Millennials [21:40] The single most important behaviour for financial success [22:30] What should Millennials think about moving forward? rcarrick@globeandmail.com @rcarrick on twitter [23:50] Shower thoughts with Tyler [24:05] Roundtable Review with Justin, Tyler, and Hyder [30:00] End Credits Music by BeatChemist: https://soundcloud.com/beat-chemist 1837 1163 2019-09-20T18:02:33Z Ratehub.ca no https://www.ratehub.ca/blog/review-bmo-world-elite-mastercard/ https://i.ytimg.com/vi/2OP4tBQYstM/default.jpg How the BMO Rewards Program works - explained in 2 minutes https://www.youtube.com/embed/2OP4tBQYstM We cover everything you need to know about the BMO Rewards Program - from redemption options to point values, and more. Read more about the BMO Rewards Program: - https://www.ratehub.ca/credit-cards/bmo-rewards-point-value - https://www.ratehub.ca/blog/how-the-bmo-rewards-program-works/ Compare the best travel credit cards in Canada: - https://www.ratehub.ca/blog/best-travel-credit-cards-in-canada/ - https://www.ratehub.ca/credit-cards/travel 134 3386 2020-03-02T18:06:47Z Ratehub.ca no https://www.ratehub.ca/blog/how-i-used-gift-cards-to-help-pay-for-the-holidays/ https://i.ytimg.com/vi/6VGbY6sirHM/default.jpg The Origins of the term "ReGifting" https://www.youtube.com/embed/6VGbY6sirHM http://en.wikipedia.org/wiki/Regift 63 188538 2009-11-12T04:12:39Z Nick Kellet no https://www.ratehub.ca/blog/first-time-homebuyer-stories-karyn/ https://i.ytimg.com/vi/qyRN2Hi_U3k/default.jpg First-time Homebuyer Karyn https://www.youtube.com/embed/qyRN2Hi_U3k Karyn recently bought her first home, a condo in Toronto's west end. She shares her story about finding the right home and joining the condo board as a way to protect her investment. Learn more: http://www.ratehub.ca/first-time-home-buyer More First-time Home Buyer Stories: http://www.ratehub.ca/first-time-home-buyer-stories 246 851 2016-11-07T21:57:57Z Ratehub.ca no https://www.ratehub.ca/blog/first-time-homebuyer-stories-rosemary-andrew/ https://i.ytimg.com/vi/ozC9lgvvDfs/default.jpg First-time Homebuyers Rosemary & Andrew https://www.youtube.com/embed/ozC9lgvvDfs Rosemary and Andrew recently joined the growing ranks of first-time homebuyers who got help from their parents to source a down payment. They share their experience breaking into the hot Toronto housing market. Learn more: http://www.ratehub.ca/first-time-home-buyer More First-time Home Buyer Stories: http://www.ratehub.ca/first-time-home-buyer-stories 218 738 2016-06-26T21:00:37Z Ratehub.ca no https://www.ratehub.ca/blog/first-time-homebuyer-stories-andrika-joe/ https://i.ytimg.com/vi/898eMWswiQQ/default.jpg First-time Homebuyers Andrika & Joe https://www.youtube.com/embed/898eMWswiQQ First-time homebuyers Andrika & Joe talk about buying their first house in Toronto. 228 551 2016-06-26T21:00:15Z Ratehub.ca no https://www.ratehub.ca/blog/first-time-homebuyer-stories-emma-evan/ https://i.ytimg.com/vi/Y830482R9po/default.jpg First-time Homebuyers Emma & Evan https://www.youtube.com/embed/Y830482R9po To buy their first house in Toronto, Emma and Evan made a deal with his parents to share the expenses, and share the space. After three lost bidding wars, and extensive renovations, they finally have a space to call their own. Learn more: http://www.ratehub.ca/first-time-home-buyer More First-time Home Buyer Stories: http://www.ratehub.ca/first-time-home-buyer-stories 247 776 2016-05-09T15:01:44Z Ratehub.ca no https://www.ratehub.ca/blog/is-canada-ready-for-apple-pay-google-wallet-and-mobile-payments/ https://i.ytimg.com/vi/_FF6G_Mrl2Q/default.jpg Testing Apple Pay At McDonald's, Petco, Macy's https://www.youtube.com/embed/_FF6G_Mrl2Q Testing Apple Pay At McDonald's, Petco, Macy's, Walgreens, Chevron, Champs Sports, and Sports Authority. More details here: http://www.geekwire.com/2014/testing-apple-pay-bought-beer-gas-mcdonalds-smartphone/ 166 532495 2014-10-24T15:38:58Z GeekWire no https://www.ratehub.ca/blog/cmhc-to-increase-mortgage-default-insurance-premiums-on-june-1-2015/ https://i.ytimg.com/vi/GncRSX7BUvM/default.jpg How to Calculate CMHC Insurance - Mortgage Math #5 with Ratehub.ca https://www.youtube.com/embed/GncRSX7BUvM http://www.ratehub.ca - CMHC insurance protects a lender should you default on your loan. Frank Uithoven from The Mortgage Emporium shows you how to calculate your premium. ABOUT MORTGAGE MATH: Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership. Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard. WATCH THE OTHER MORTGAGE MATH VIDEOS: 1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0 2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0 3. The RRSP Home Buyers' Plan - http://youtu.be/f5iz26AflGI 4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o 5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM 6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw 7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w 152 63271 2012-12-20T15:41:37Z Ratehub.ca no https://www.ratehub.ca/blog/get-front-of-the-line-ticket-access-to-ed-sheeran-in-toronto-with-american-express/ https://i.ytimg.com/vi/lp-EO5I60KA/default.jpg Ed Sheeran - Thinking Out Loud (Official Music Video) https://www.youtube.com/embed/lp-EO5I60KA Brand new album 'Play' out now: https://es.lnk.to/play The official music video for Ed Sheeran - Thinking Out Loud Ed learnt to dance! Featuring and taught by @dance10Brittany and @dance10Paul Go behind the scenes of the video: http://bit.ly/ThinkingOutLoudBTS Taken from the studio album X (multiply) released in 2014, which featured the hit singles 'Sing', 'Don't', 'Thinking Out Loud', 'Bloodstream', & 'Photograph'. Subscribe to the Ed Sheeran channel for all the best and latest official music videos, behind the scenes and live performances.  http://bit.ly/SubscribeToEdSheeran See more official videos from Ed Sheeran here: https://www.youtube.com/watch?v=ryJgDL9jzKk&list=PLjp0AEEJ0-fGKG_3skl0e1FQlJfnx-TJz Listen to more from the album x (multiply): https://www.youtube.com/playlist?list=PLjp0AEEJ0-fEuKWBJV30ebHCGoi1Ny69U Follow Ed Sheeran on: Instagram: http://instagram.com/teddysphotos TikTok: https://www.tiktok.com/@edsheeran Facebook: http://www.facebook.com/EdSheeranMusic Twitter: http://twitter.com/edsheeran Discord: http://discord.gg/edsheeran Official Website: http://edsheeran.com About Ed Sheeran: Ed Sheeran may be the quintessential pop star of the 2010s: an internationally acclaimed, multi-award winning singer/songwriter who seems to acknowledge no boundaries between styles or eras with elements of folk, hip-hop, pop, dance, soul, and rock woven throughout his music. His incredible catalogue includes the studio albums ‘+’ (plus), ‘x’ (multiply) and ‘÷’ (divide) which spawned hit singles such as ‘The A team’ , ’Lego House’, ‘Sing', ‘Thinking Out Loud’, ‘Photograph’, ‘Shape Of You’, ‘Castle on The Hill’ and ‘Perfect’. In 2019, Ed Sheeran released the genre-spanning ‘No.6 Collaborations Project’ which featured a wide-range of artists including ‘Justin Bieber’, ‘Camilla’ Cabello’, ‘Travis Scott’, ‘Eminem’, ‘Cardi B, ‘Paulo Londra’, ‘Bruno Mars’ and ‘Stormzy’ amongst many others, producing hits such as ‘I Don’t Care’, ‘Beautiful People’, ‘South of The Border’ and ‘Take Me Back To London’. #EdSheeran #ThinkingOutLoud #multiply 290 3991535365 2014-10-07T13:57:37Z Ed Sheeran no https://www.ratehub.ca/blog/north-americas-tallest-new-condos/ https://i.ytimg.com/vi/Rqtw-QAO1xc/default.jpg BuzzBuzzHome Stair Climb https://www.youtube.com/embed/Rqtw-QAO1xc How long does it take to climb the stairs of an 11-storey condo? BuzzBuzzHome's President Matthew Slutsky takes on the task. The dash up the building helped BBH study the different heights of new condo buildings under construction across North America. See the infographic on how high the tallest new skyscarpers will stand and how long it takes to hoof up a tower in New York, Toronto, Vancouver and other cities right here: http://blog.buzzbuzzhome.com/2013/05/north-american-city-tallest-condo-tower-infographic.html NaN 313 2013-05-07T16:42:53Z Livabl no https://www.ratehub.ca/blogue/lancement-de-la-serie-web-les-maths-du-calcul-hypothecaire/ https://i.ytimg.com/vi/_mEp2ucQBy0/default.jpg How to Get a Mortgage in Canada - Mortgage Math #1 with Ratehub.ca https://www.youtube.com/embed/_mEp2ucQBy0 http://www.ratehub.ca - If you want to get a mortgage in Canada, you first need to qualify. True North Mortgage Broker James Laird explains what lenders look at to qualify homebuyers. 0:31 Factor 1: Credit Score 0:57 Factor 2: Down Payment 2:58 Factor 3: Debt Service Ratios ABOUT MORTGAGE MATH: Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership. Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard. WATCH THE OTHER MORTGAGE MATH VIDEOS: 1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0 2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0 3. The RRSP Home Buyers' Plan - http://youtu.be/f5iz26AflGI 4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o 5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM 6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw 7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w 252 78491 2012-12-18T18:05:47Z Ratehub.ca no https://www.ratehub.ca/blog/mortgage-math-3-rrsp-home-buyers-plan/ https://i.ytimg.com/vi/f5iz26AflGI/default.jpg The RRSP Home Buyers' Plan - Mortgage Math #3 with Ratehub.ca https://www.youtube.com/embed/f5iz26AflGI See today's best mortgage rates from the Big Banks and brokers at http://www.ratehub.ca The RRSP Home Buyers' Plan (HBP) helps first-time homebuyers use their RRSPs to buy a home in Canada. Toronto-based realtor Lauren Haw shows us how. 0:31 Eligibility for the RRSP Home Buyers' Plan 1:39 RRSP Repayments 2:23 Underpayment: Paying Less Than Your Minimum 2:53 Overpayment: Paying More Than Your Minimum ABOUT MORTGAGE MATH: Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership. Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard. WATCH THE OTHER MORTGAGE MATH VIDEOS: 1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0 2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0 3. The RRSP Home Buyers' Plan - http://youtu.be/f5iz26AflGI 4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o 5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM 6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw 7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w 232 79650 2012-12-18T21:27:38Z Ratehub.ca no https://www.ratehub.ca/blog/what-is-the-total-cost-of-owning-a-car/ https://i.ytimg.com/vi/zUXidB45dyk/default.jpg What is the total cost of owning a car in Canada in 2026? https://www.youtube.com/embed/zUXidB45dyk Ratehub.ca breaks down the total cost of car ownership in Canada in 2026. From car payments to maintenance, fuel, parking, admin fees and insurance, we calculate the average monthly cost of owning a vehicle in Canada. This year, it comes to $1,373 per month. We also compare the total cost of owning a new car vs a used car, showing how your choice impacts your monthly expenses. Learn more about the total cost of owning a car in Canada: https://www.ratehub.ca/blog/what-is-the-total-cost-of-owning-a-car/ Don’t miss out on insurance updates, subscribe here: ‪@RatehubCanada Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 71 199 2026-02-19T17:04:42Z Ratehub.ca no https://www.ratehub.ca/blog/2024-marked-transitionary-year-for-gta-real-estate/ https://i.ytimg.com/vi/9-wAfls_Rk4/default.jpg 2025 Mortgage Rule Changes for Homebuyers https://www.youtube.com/embed/9-wAfls_Rk4 Ratehub.ca’s The Mortgage Memo: Major mortgage qualification rules are changing in 2025, especially for first-time homebuyers. Are you ready? In this video, our expert, Penelope Graham, unpacks: 0:00 Overview of 2025 Mortgage Rule Changes 0:44 Updates to Amortization Periods 1:00 Key Changes for Insured Mortgages 1:07 New Down Payment Requirements 1:24 Important Takeaways for Homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 113 5227 2024-12-19T17:32:47Z Ratehub.ca no https://www.ratehub.ca/blog/most-expensive-ontario-cities-for-auto-insurance/ https://i.ytimg.com/vi/ZmjS1AOXBSc/default.jpg The cost of auto insurance premiums in Ontario #insurance #autoinsurance https://www.youtube.com/embed/ZmjS1AOXBSc Ratehub.ca’s report breaks down which Ontario cities have the most expensive auto insurance. The results may shock you (or not). Check to see if you live in a city with costly car insurance. Visit https://www.ratehub.ca/blog/most-expensive-ontario-cities-for-auto-insurance/ Don’t miss out on insurance updates, subscribe here: ‪@RatehubCanada Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 90 637 2025-03-21T18:55:13Z Ratehub.ca no https://www.ratehub.ca/mortgages/canada-housing-affordability https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/mortgages/amortization-calculator https://i.ytimg.com/vi/jCLmdJ2uZQs/default.jpg How a 30-Year Amortization Impacts Your Mortgage Payments https://www.youtube.com/embed/jCLmdJ2uZQs Ratehub.ca’s The Mortgage Memo: As of December 15, 2024, first-time homebuyers can now opt for a 30-year amortization period. How will this change impact your mortgage payments and affordability? Watch as our expert Penelope Graham breaks it all down: 0:00 Announcement highlights 0:59 Impact on overall affordability 1:10 Payment comparisons: 25 vs. 30 years 2:18 Pros and cons of a 30 years amortization period To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 179 756 2024-12-19T17:55:54Z Ratehub.ca no https://www.ratehub.ca/cmhc-mortgage-insurance https://i.ytimg.com/vi/P3eEIx-WgxU/default.jpg 2025 Changes To The Minimum Mortgage Down Payment https://www.youtube.com/embed/P3eEIx-WgxU Ratehub.ca’s The Mortgage Memo: The minimum mortgage down payment rules are changing in 2025, and these updates could have a big impact on how much you need to save for your home. In this video, our mortgage expert, Penelope Graham explains: 0:00 Overview of 2025 mortgage reforms 1:03 Changes in downpayment requirements 1:25 Impact on affordability 2:30 Key considerations for homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 185 1136 2024-12-20T18:01:52Z Ratehub.ca no https://www.ratehub.ca/blog/tangerine-world-mastercard-review/ https://i.ytimg.com/vi/A0X2qS_uT8A/default.jpg Rental Car Insurance: What your credit card does and doesn't cover https://www.youtube.com/embed/A0X2qS_uT8A For more on the best credit cards for rental car insurance in Canada, read our blog here: https://www.ratehub.ca/blog/car-rental-insurance-youre-covered-with-these-credit-cards/ 197 22826 2019-09-23T18:10:40Z Ratehub.ca no https://www.ratehub.ca/blog/10-insurance-myths-worth-knowing/ https://i.ytimg.com/vi/fE1GSS84_fs/default.jpg Rockstar insurance broker, Morgan Roberts, explains insurance and breaks myths https://www.youtube.com/embed/fE1GSS84_fs Morgan Roberts is a multi-award-winning car and home insurance broker. She’s been selling insurance for nearly ten years and was recently appointed the director of sales at Ratehub Inc.’s (https://www.ratehub.ca) brand new brokerage - RH insurance (https://www.rhinsurance.ca). [1:13 - 4:13] MONEY MISTAKE OR MAKEUP - Canadian tire returns, buying too many clothes, juice cleanse QUESTIONS [4:14 - 6:18] Why did you switch careers for insurance? [6:19 - 7:08] What do you love about being an insurance broker? [7:10 - 8:29] What’s the top skillset for an insurance broker? [8:30 - 10:04] What are the secrets to being a great broker? [10:05 - 12:24] Why should Canadians care about insurance? [12:25 - 13:33] Why aren’t Canadians more hands-on with their insurance? [13:34 - 15:15] A little bit about tenant’s insurance [15:16 - 16:44] How much contents insurance do I need? [16:45 - 17:40] Comparing cell phones to insurance [17:41 - 18:26] A car insurance mistake you might be making [18:27 - 21:11] The one thing people forget to ask to get cheaper insurance [21:12 - 22:06] What is telematics? What is sewer backup? What is overland water? [22:07 - 29:21] Myths and misconceptions about car insurance Let’s get into some truths and falsehoods about car insurance. Will my insurance company find out about a ticket or car accident? Do I need to ask if I can drive for Uber or deliver food? Does my postal code impact my insurance rate? Does how much you drive affect your insurance rate? Do speeding tickets under 15km affect my insurance rate? Do my car insurance rates go up after a claim? Who determines fault in an accident? Does car insurance follow the person or the car? With usage-based insurance, will my rates go up for bad driving? [29:22 - 32:39] What does the future look like for car insurance? [32:40 - 38:24] What are some mistakes people make with their insurance? [38:25 - 47:24] RAPID FIRE QUESTIONS What’s in your wallet? A book everyone should read? What was your first job and what did you learn from it? What is a commonly held belief about your industry or space that you passionately disagree with? If you had one tweet that everyone in the world would read, what would it say? What’s your number (to walk away from it all and live financially independent, never worry about money again?) What do you want to be known for when you die? [47:25 - 48:18] Outro Where can people find you if they have more questions? 2899 383 2021-06-30T17:57:06Z Ratehub.ca no https://www.ratehub.ca/ontario-first-time-home-buyer https://i.ytimg.com/vi/9-wAfls_Rk4/default.jpg 2025 Mortgage Rule Changes for Homebuyers https://www.youtube.com/embed/9-wAfls_Rk4 Ratehub.ca’s The Mortgage Memo: Major mortgage qualification rules are changing in 2025, especially for first-time homebuyers. Are you ready? In this video, our expert, Penelope Graham, unpacks: 0:00 Overview of 2025 Mortgage Rule Changes 0:44 Updates to Amortization Periods 1:00 Key Changes for Insured Mortgages 1:07 New Down Payment Requirements 1:24 Important Takeaways for Homebuyers To get today's best mortgage rates, visit: https://www.ratehub.ca/best-mortgage-rates Don’t miss out on mortgage updates, subscribe here:https://www.youtube.com/channel/UCReeDP9w3LtDWFMX6Kup5sA?sub_confirmation=1 Let us know in the comments, what do you want to see in our next video? The content provided in this video is for information only; it is not meant to be relied on or used in lieu of advice from a professional. 113 5227 2024-12-19T17:32:47Z Ratehub.ca no https://www.ratehub.ca/blog/want-a-side-gig-find-your-passion/ https://i.ytimg.com/vi/RC6g0xRRaTY/default.jpg REAL MONEY TALK Podcast – The Side Hustle https://www.youtube.com/embed/RC6g0xRRaTY Side gigs, short term contracts, freelance work - all the extra work, on top of your day to day, that you do to make ends meet and follow your passion to live in today’s modern economy. Is it worth the added stress? Can you actually make money? On this show, we interview three professionals with widely different side hustles to uncover what it's all about; the reason why people do it; and to give you some helpful tips to either get started or to stay away. You can enjoy the podcast on: - Apple Podcasts: https://podcasts.apple.com/us/podcast/real-money-talk/id1479075546 - Spotify: https://open.spotify.com/show/4OmjdCCTBhiuzrn0NH9Jyo?si=79N7sZLaQje5ICpL0j-uxw - Stitcher: https://www.stitcher.com/podcast/ratehubca/real-money-talk - Google Podcasts: https://podcasts.google.com/?feed=aHR0cHM6Ly9yZWFsbW9uZXl0YWxrLmxpYnN5bi5jb20v - RadioPublic: https://radiopublic.com/real-money-talk-a-fresh-take-on-WdAnVp 1758 102 2020-02-29T00:29:13Z Ratehub.ca no https://www.ratehub.ca/blog/how-much-mortgage-can-i-afford/ https://i.ytimg.com/vi/5T56Hi-w5vg/default.jpg How much mortgage can you afford https://www.youtube.com/embed/5T56Hi-w5vg Thinking about buying a home, but not sure how much mortgage you can actually afford? In this insightful video, mortgage expert Penelope Graham breaks down everything you need to know about calculating affordability and understanding the factors lenders look at, like income, debt, and down payment. Watch as she covers: 0:00 – Introduction 0:12 – Factors that determine affordability 0:22 – The impact of your down payment 0:51 – How credit score influences affordability 1:11 – How income determines your mortgage size 1:38 – Why other debts matter, too 2:12 - How to calculate mortgage affordability 171 1506 2025-09-11T14:09:16Z Ratehub.ca no https://www.ratehub.ca/podcast/real-money-talk https://i.ytimg.com/vi/Bp6VqjvUAOw/default.jpg Real Money Talk - Video Intro https://www.youtube.com/embed/Bp6VqjvUAOw NaN 262 2021-05-05T19:51:23Z Ratehub.ca no https://www.ratehub.ca/blog/contest-test-your-mortgage-smarts-with-our-homebuyer-jeopardy-for-a-chance-to-win-300/ https://i.ytimg.com/vi/NFkW2zPGcQg/default.jpg Homebuyer Jeopardy: Week Four - Cait https://www.youtube.com/embed/NFkW2zPGcQg August 27-31, 2012 -- Week Four of #HomebuyerJeopardy with Ratehub.ca - enter for your chance to win $300 on Facebook at http://on.fb.me/PN6byR. Now that you've watched the video, find the answer to this week's trivia question by visiting our newly launched refinance center's calculator (http://www.ratehub.ca/mortgage-refinance-calculator), and send us your answer using the form found on our Facebook contest tab. VISIT RATEHUB WWW -- http://ratehub.ca Facebook -- http://facebook.com/ratehub Twitter -- http://www.twitter.com/ratehub_canada MUSIC BY Dan-O at DanoSongs.com 161 207 2012-08-27T16:37:20Z Ratehub.ca no https://i.ytimg.com/vi/hibeF_BmaRg/default.jpg Homebuyer Jeopardy - Week Three Answer with John Shearer https://www.youtube.com/embed/hibeF_BmaRg During Week Three of #HomebuyerJeopardy with Ratehub, Stephanie Holmes-Winton of from themoneyfinder.ca asked a question about variable and fixed rates. Check out our expert answer, given by Broker John Shearer! VISIT RATEHUB WWW -- http://ratehub.ca Facebook -- http://facebook.com/ratehub Twitter -- http://www.twitter.com/ratehub_canada VISIT JOHN SHEARER WWW - http://ontariomortgagedeals.com MUSIC BY Dan-O at DanoSongs.com 75 121 2012-08-27T16:37:52Z Ratehub.ca no https://i.ytimg.com/vi/ythG_Fop4dI/default.jpg Homebuyer Jeopardy - Week Two Answer with Mark Savel https://www.youtube.com/embed/ythG_Fop4dI During Week Two of #HomebuyerJeopardy with Ratehub, Matt Slutsky from BuzzBuzzHome asked a question about financing the purchase of a home. Check out our expert answer, given by Realtor Mark Savel! VISIT RATEHUB WWW -- http://ratehub.ca Facebook -- http://facebook.com/ratehub Twitter -- http://www.twitter.com/ratehub_canada VISIT MARK SAVEL WWW - http://savelsells.com MUSIC BY Dan-O at DanoSongs.com 86 160 2012-08-20T21:47:31Z Ratehub.ca no https://i.ytimg.com/vi/e3DtcL6yOiM/default.jpg Homebuyer Jeopardy - Week One Answer with Chris Molder https://www.youtube.com/embed/e3DtcL6yOiM During Week One of #HomebuyerJeopardy with Ratehub, Erin Bury & Kevin Oulds asked a question about down payments. Check out our expert answer, given by Broker Chris Molder! VISIT RATEHUB WWW -- http://ratehub.ca Facebook -- http://facebook.com/ratehub Twitter -- http://www.twitter.com/ratehub_canada VISIT CHRIS MOLDER WWW - http://sonofabroker.com MUSIC BY Dan-O at DanoSongs.com 108 341 2012-08-13T04:51:41Z Ratehub.ca no