Client Education Archives - Page 5 of 9

First Time Home Buying for Millennials and GenZ

Posted on July 21, 2022September 22, 2025 by Gerard Buckley

Guest Blog Post By: Brandon Lacaille In today’s competitive seller market with house prices steadily rising, the goal of homeownership can feel daunting at times. The good news is that this goal is not as far-fetched as the younger masses may believe — and there are ways to prepare yourself successfully! Find an Honest […]

8 Simple Steps to Take Control of Debt

Posted on June 17, 2022September 22, 2025 by Gerard Buckley

Is post-pandemic debt weighing you down? For many people, debt is an unavoidable fact of life. But the past two years of global turmoil has added financial pressure on many Canadians. According to a COVID-19 financial well-being survey conducted by the Financial Consumer Agency of Canada, over half of Canadians have been financially impacted […]

The Housing Market is a Changing — Mortgage Trends for 2022 Part 2

Posted on June 7, 2022September 22, 2025 by Gerard Buckley

So, Where do we stand now? A lot can happen in a month! Since our last update, we’ve seen major shifts take place in the housing market – as tides have turned things from a seller’s market into a stable market. Some would even say the buyer is gaining some presence in the real estate […]

GUEST FEATURE: Good Debt vs Bad Debt and How You Can Learn the Difference

Posted on August 30, 2021September 22, 2025 by Gerard Buckley

Mortgage Agent Oakley Patterson Talks Debt — and Why it isn’t Always a Bad Thing Learning the difference between good debt and bad debt allows you to learn how to leverage money and minimize your expenses. Real estate is the best way to accomplish this and that is why it has been Oakley’s focus for […]

Canada Brings in Changes to the Mortgage Stress Test June 1st

Posted on June 1, 2021September 22, 2025 by Gerard Buckley

More change is coming for Canadians looking to get home financing. Proposed updates to the current mortgage stress test for applicants to get approval are kicking in June 1st. These changes are intended to defuse some of the unsustainable growth we’ve seen in the housing market over the past 18 months. Changes for […]

Changes for First-Time Home Buyers — What You Need to Know

Posted on May 14, 2021September 22, 2025 by Gerard Buckley

Did you know the Canadian government made changes to the First-Time Home Buyers Incentive (FTHBI) last week? Discover how the changes made on May 3rd, 2021, will ease the pressure on Canadians looking to enter the housing market in three key metropolitan areas below. What has Changed? The Department of Finance along with CMHC (Canada […]

Canada’s Housing Stress Test is Proposed to Change on June 1, 2021

Posted on April 14, 2021September 22, 2025 by Gerard Buckley

What that could mean for you: You may have heard recently that the OSFI (Office of The Superintendent of Financial Institutions, Canada’s Federal Financial Industry Regulator) is proposing a change to the stress test rate that will affect who can qualify for an uninsured mortgage. OSFI’s stated mission is contributing to the safety and soundness […]

Millennial’s Guide to Homeownership:

Posted on April 1, 2021September 22, 2025 by Gerard Buckley

Discover the best ways to prepare for your next Home Move. Is it time for you to make your move? Young people in the Millennial age category throughout Georgian Bay are being asked this question as the prices of local real estate skyrocket due to a shortage of listings and many people migrating north to […]

Lessons from the Pandemic — Canada’s Future After COVID

Posted on March 22, 2021September 22, 2025 by Gerard Buckley

Now that we know our weak points, growth in this country will likely be focused on key areas: It’s been an entire year since the first reports of a rapidly spreading respiratory virus graced headlines all over North America. Since then, we’ve experienced loss, uncertainty, political friction and the list goes on. But through the […]

10 Secrets to Success Worth Reflecting On

Posted on January 3, 2021September 22, 2025 by Gerard Buckley

There are few lasting thoughts that stay with you for a lifetime more than these 10 secrets to success. I have referred to these annually as I set my goals for the upcoming year. They remain as true today as they did when they were first published in the early 2000s. They assist me in […]