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Alpine Blog

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

Category: Property

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.

Construction mortgages in Ontario

Construction mortgages in Ontario

Many Ontarians on the lookout for the perfect home to settle down in are facing challenges. Whether it’s the property size, the structure, or the location, finding a home that meets all their criteria is much harder than it seems. Many Canadians decide to build their dream home from scratch instead of finding a pre-built home in these cases. However, you might be surprised to learn that aspiring home-builders can also qualify for construction mortgages in Ontario.

How to avoid a mortgage penalty in Canada

How to avoid a mortgage penalty in Canada

Breaking your mortgage comes with expensive penalty fees. For any number of reasons, homeowners within a mortgage term might find a need to break their mortgage. Others might have extra income to prepay their mortgage term. However, you may be shocked to learn about the steep penalty fees associated with prepaying or breaking a mortgage.

Can you get a mortgage on land?

Can you get a mortgage for land?

Most people know about a property mortgage, which is a loan you can use to pay for your home. But, what happens if you want to build your home from scratch? For all those homeowners who would like to plan their dream house, owning a patch of land might be a better option. In this regard, the key question is can you get a mortgage for land?

Buying Out Your Partner in a Mortgage

How to buy out your partner in a mortgage in Canada

Ending a marriage is never an easy process. One of the potential complications that can come with ending a marriage is how to split a jointly owned property. When a married couple buys a home, both people have equal rights to the property. When that marriage ends, that leaves complications for a divorce mortgage buyout.

Using your RRSP for a down payment on an investment property

Using your RRSP for a down payment on an investment property

While using your RRSP to buy an investment property might seem like a great idea, there are many things to consider before cashing out. Keep reading to learn more about why this may not be such a smart move and how Alpine Credits can help you secure better financing.

heated floor cost in Canada

How much do heated floors cost in Canada?

Heated flooring makes for a luxurious addition to any Canadian home, offering a warmth that radiates much more evenly than forced air from an HVAC system. Keep reading to learn about heated floor costs and how Alpine Credits can help you cover them.

RRSP withdrawal rules after retirement

RRSP withdrawal rules after retirement

RRSP withdrawal rules after retirement can be tricky to navigate, especially since they’re constantly changing. In this post, we’ll give you an overview of RRSP rules after retirement, show you how to find quality advice, and discuss alternative sources of cash in case you’d like to let your nest egg grow for a while longer.