We asked 11 financial experts what their best mortgage and insurance advice is for 2021

Whether it was an unexpected job loss, closing the doors of a business, or setting up a home office, 2020 shook up lives and finances in unexpected ways.

LowestRates.ca Staff

January 25, 2021

10-minute read

The ongoing pandemic has caused many to reconsider their financial situations in a new light. Whether it was an unexpected job loss, closing the doors of a business, or setting up a home office, 2020 shook up lives and finances in unexpected ways.

About the author

The LowestRates.ca writing team focuses on telling original stories and bringing you the latest news in the world of personal finance.

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REPORT: Will the Canadian housing market crash in 2021?

If there is a housing market crash in Canada, could it be a good time to buy? Let’s take a look at what our experts had to say—and where they see house prices going.

Zandile Chiwanza

January 19, 2021

13-minute read

Lisa Coxon

Despite the impact COVID-19 has had on the global economy, Canadian real estate prices continue to outperform expectations and grow at a steady pace.

About the authors

Zandile is a freelance personal finance journalist. She previously worked as a personal finance writer at LowestRates.ca and before that, the content editor for Real Estate Management Industry News. As a self-proclaimed budget warrior, Zandile dedicates most of her time to advocating for financial wellness.

Lisa is a senior editor in the personal finance space. Her work has appeared in Reader’s Digest, Toronto Life, Canadian Living and TVO. As a child, she diligently hoarded the $50 bills that fell out of her Christmas cards. Adult Lisa is working hard to resurrect those stockpiling tendencies.

These are the top 10 cheapest cars to insure in Canada in 2021

Car insurance rates depend on several factors, including the vehicle you drive. See how yours stacks up against the average national premium.

Zandile Chiwanza

January 5, 2021

7-minute read

Car insurance rates can vary widely depending on several factors, including your driving record, age, gender, where you live, and payment history. But do you know how the vehicle you choose to drive can affect your insurance rates?

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates. But your premium can also depend on the make, model, and even the year the vehicle was made.

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These are the top 10 cheapest cars to insure in Canada in 2021

Did you know how the vehicle you choose to drive can affect your insurance rates?

Critical illness insurance or a beefy emergency fund — which is better?

Emergency funds give you flexibility, but critical illness insurance presents immediate coverage. Here are the pros and cons of each to help you decide which option suits your needs better.

Caitlin McCormack

December 28, 2020

7-minute read

It can be uncomfortable to think about a time when we might face a critical illness, but for the tens of thousands of Canadians who suffer debilitating illnesses like strokes, cancer, and heart disease, critical illness insurance can be an invaluable support.

Facing a critical illness can be one of the most difficult challenges in your life. Aside from the obvious physical and emotional toll, the potentially damaging financial implications can be particularly devastating.

About the author

Caitlin McCormack is a writer based in Toronto. Her work has appeared in MSN, Food Network, HuffPost, What to Expect, Today's Parent, and Mashable, among others. When she isn't writing, she's busy chasing after her two sons, testing out new recipes, and working on her century-old fixer-upper.

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Critical illness insurance or a beefy emergency fund — which is better?

Emergency funds give you flexibility, but critical illness insurance presents immediate coverage. Here are the pros and cons of each.

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