If you’ve been careful behind the wheel, then you don’t want your first at-fault accident to raise your auto insurance premium.

The accident forgiveness endorsement was created to avoid exactly just that.

Typically, when someone gets into a car accident for which they are determined to be at fault, their auto insurance rate goes up whenever they renew or purchase a new policy.

You’ve saved the money, seen many houses, and, at last, you are ready to make an offer on a home. But as you move toward closing the sale, you’ll have to spend a bit more money. In Canada, almost all home sales come with mortgage closing costs. 

Preparing for all of them will ensure you’re not caught off guard — and soon, you’ll get to relax in your brand new home.

This article has been updated from a previous version.

Did you know that as a homeowner, you can pay off your current mortgage with a new one that has more favourable terms and conditions?

Refinancing is a great way to lower your interest rate, consolidate and pay off debts, or even tap into some of your home’s equity.

This article has been updated from a previous version.

The Canadian government requires banks to “stress test” hopeful homebuyers to prove they can make mortgage payments if interest rates rise.