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Commission

Commission

Commission… Do you get what you pay for? If you are like most of our clients, you live your life at maximum speed. Between work, family, activities and your health, plus the stress related to phone calls and emails, you have limited time. Consequently, if you have to move this year, it is possible that […]

Title Insurance to the Rescue!

Title Insurance to the Rescue!

After months of intensive house hunting with your real estate broker, you are finally about to buy your new home. However, when visiting the notary to conclude the transaction, the notary tells you that the property you’re buying has title problems. What should you do? It is in response to problems like this that title […]

How to Establish a Realistic Renovation Budget

How to Establish a Realistic Renovation Budget

It’s a well-known fact that when planning major home renovations, the risk of cost overruns is very real. How can you prepare a budget that will actually match your cost projections? Identify your needs Obviously, the first step is to establish what the most urgent renovations are. You may want to redecorate your living room, […]

Financial Help to Replace Your Oil-based Heating System

Financial Help to Replace Your Oil-based Heating System

Are you tired of maintaining your old and polluting oil-fired heating system? Although the price of oil has been quite low recently, we don’t know what the future holds. Not to mention the smell of oil, the risk of spills and its environmental effects… If you feel that replacing your old system with an electrical […]

Sale of a Property: Business Income or Capital Gain?

Sale of a Property: Business Income or Capital Gain?

You buy a house and sell it a few days, months or years later. Should you include the profit in your income? Would it be considered as business income or a capital gain? As is almost always the case in taxation, the answers to these questions depend on several factors. The key is your intention […]

Renovations That Pay Off

Renovations That Pay Off

Sooner or later, all properties benefit from being renovated: either because changes are necessary or because we want to make our lives more convenient or more comfortable. Or perhaps we want to appeal to potential buyers. In this particular case, some renovations are significantly more profitable than others. A varying return on your investment According […]

The HBP: A Helping Hand in Becoming a Homeowner

The HBP: A Helping Hand in Becoming a Homeowner

By using the federal government’s Home Buyers’ Plan (HBP), you can turn your dream into a reality sooner rather than later by withdrawing a maximum of $25,000, tax free, from your Registered Retirement Savings Plan (RRSP). To participate in the Home Buyers’ Plan, you must meet the program’s eligibility criteria and the RRSP withdrawal conditions. […]

The Reserve Fund Should Not be Overlooked!

The Reserve Fund Should Not be Overlooked!

When it comes to condominiums, the reserve fund is used to pay for major expenses associated with the repair and replacement of the property’s common areas, such as the roof. Since 1994, Article 1072 of the Civil Code stipulates that a condominium’s board of directors must determine “the sums required to meet the expenses arising […]

Working From Home and Deductions

Working From Home and Deductions

Do you work from home? Can you deduct home office expenses? Here is a brief guide that will help you maximize your deductions. More and more people are working from home nowadays. If you use part of your home as a self-employed worker, you can deduct certain expenses thereby reducing your net income and paying […]

Fixed or Variable Interest Rate?

Fixed or Variable Interest Rate?

Should you opt for a fixed or variable-rate mortgage? Each option has its pros and cons. If you’re about to take out a first mortgage or renew an existing one, the question inevitably arises: what formula will be most advantageous, a fixed or variable rate? Fixed interest rate A fixed-rate mortgage is when both the […]