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    Credit 101

    Understanding credit and all the factors associated with it can be complicated. Let us break it down for you.

    Guide to Purchasing Your First Vehicle

    You face a lot of choices when you’re buying your first vehicle. Let us guide you in the right direction.

    Understanding your credit score

    A credit score is a three-digit number designed to represent the likelihood that you will pay your bills on time. Higher credit scores generally result in more favourable credit terms.

    ​Predatory Lending

    By definition, predatory lending benefits the lender, and ignores or hinders the borrower’s ability to repay the debt. These lending tactics often try to take advantage of a borrower’s lack of understanding about loans, terms or finances.

    ​Loan Basics

    Loans help finance some of our biggest goals in life. They can provide access to possibilities that we can’t afford upfront—possibilities like going to school, buying a home or starting a business (to name just a few).

    ​Demystifying Mortgages

    Owning a home is likely the largest financial commitment you’ll make in your life, and it’s easy to get caught up in details pertaining to debt-to-income ratios, the real estate market, current interest rates and amortization schedules. But financials are only a part of the picture. In order to make a truly smart decision, you need to acknowledge and accommodate some personal factors along with the financial ones. 

    ​Owning vs. Renting a Home

    The average person moves residences about 11 times in their lifetime. That provides a lot of opportunity to confront the following question: is it better to own your home or to rent it.