Financial Planning

Sandwich Generation Solutions

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One Big House vs Two Smaller Properties: Sandwich Generation Analysis

Knowing whether one large home or two properties costs less in taxes, mortgages, and caregiving logistics could save the sandwich generation six figures.

Newcomer Financing Pathways

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Why Waiting 2 Years to Buy Is Terrible Advice for Most Newcomers

Losing $70,000 in rent and appreciation while waiting two years to buy isn't building wealth—it's destroying your homeownership timeline.

Newcomer Financing Pathways

Posted byby The Research Bureau to Get [ your home ]

Why Waiting 2 Years to Buy Is Terrible Advice for Most Newcomers

Forget waiting 24 months when strong credit, income, and savings at month 12 could capture equity gains you'll never reclaim.

Credit Score Requirements

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What Credit Score Can I Get in 90 Days as a New Canadian?

Within 90 days, new Canadians typically reach 600-650 credit scores, but the path to mortgage-worthy 680+ requires understanding these overlooked timeline mechanics.