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Tools and tips from our team of experts to help you make the best decisions for your financial future.

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Alpine Credits can help you obtain the loan you need, even if you don’t have the ideal credit score. Get approved today.

Bad credit mortgage doesn’t disqualify you

Credit scores play a significant role, according to Canadian banks. A bad credit score doesn’t stop someone from the opportunity to get a personal loan. Personal loans have a number of uses, including home renovation and debt consolidation, among other prospects. Even with a score that’s less than ideal, you have the chance to build it up or look into a home equity loan.

What is Debt Consolidation and How Does It Work

What is debt consolidation & how does it work?

Have you been juggling debt payments and feel like there’s no end in sight? If this sounds like you, you may be wondering: What is debt consolidation, and how does debt consolidation work? Consolidating your debt might be just what you need to get your finances back on track and make your payments more manageable.

How to Take Equity Out of Your Home in Canada

How to take equity out of your home?

There are various methods on how you can pull equity out of your home without having to sell it or withdraw a costly personal loan. These options can allow you to access much needed funds for personal, business, or investment reasons, and let you do so by leveraging the highly competitive real estate market.

Home Equity 101. What Is it and How Does It Work

Home equity 101: What is it & how does it work

In this article, we’ll make it easier to answer questions like “what is home equity?” and “how does home equity work?” By the end, you should have a better understanding of what home equity is referring to and how you can leverage it towards getting the funding you need.

Does Debt Consolidation Hurt Your Credit

Does debt consolidation hurt your credit?

Many Canadians worry about whether debt consolidation will have an impact on their finances, but the truth of the matter is that debt consolidation does not hurt your credit in the long run. As long as you’re taking the right steps and consolidating through the right avenues. It’s a strategic financial move that can save you hundreds, even thousands of dollars in interest over the course of your repayments.

Cash Out Refinance in Canada: All You Need to Know

Cash out refinance in Canada: All you need to know

When refinancing your mortgage, you can choose to increase the size of the mortgage loan that you’ve taken out with your lender. Doing so increases the amount of money you owe the lender, but the difference in amount between your previous mortgage amount and the new one can be withdrawn as cash. This is known as a cash out refinance in Canada.

Are Interest Rates Going Up in Canada

Are interest rates going up in Canada?

At the beginning of March 2022, the Bank of Canada announced its first interest rate increase since the start of the COVID-19 pandemic. This means that interest rates in Canada as a whole are likely starting to shift up as the economy begins to recover and the country learns to deal with the pandemic.

Home Equity Line of Credit: New Rules in Canada | Alpine Credits

Home equity line of credit: New rules in Canada

New mortgage rules have been put into place that make it more difficult for Canadians to access their home equity through traditional avenues. These rules also come with higher interest rates, and together, qualifying for home equity line of credit options is harder than ever before.