Smarter Loans Staff

The Smarter Loans Staff is made up of writers, researchers, journalists, business leaders and industry experts who carefully research, analyze and produce Canada's highest quality content when it comes to money matters, on behalf of Smarter Loans. While we cannot possibly name every person involved in the process, we collectively credit them as Smarter Loans Writing Staff. Our work has been featured in the Toronto Star, National Post and many other publications. Today, Smarter Loans is recognized in Canada as the go-to destination for financial education, and was named the "GPS of Fintech Lending" by the Toronto Star in 2019.

Articles by Smarter Loans Staff

Instant Loans in Canada

How do I calculate how much home equity I have?

Buying a home for the first time is a fantastic experience. The process seems like it goes by super quickly, but so many homebuyers do not realize some of the expenses of buying your first home. So, we thought it was about time that we took some time to let you know some of the costs that you may face when it is time to put pen to paper. We should note that each sale is a little different, and you might see different or lower costs when it is your time to buy.

Interest Rates Increasing – Time To Refinance?

A couple of weeks ago, the Bank of Canada increased the overnight rate again by 0.5 per cent. We are looking at yet another raise from all indications as the government seems to cool the red-hot housing market and curb rising inflation across the country. However, for those with a mortgage, the question is, is now the time to refinance? It will depend on your specific situation, but here are a couple of things to consider when looking at if it is time to refinance.

Top Strategies For Home Buyers Looking To Find The Best Mortgage

Unless you are fortunate enough to have cash to buy your home, getting the right property is only half the problem. The other half is in knowing the best type of mortgage to choose. This is why it is essential to pay attention to know the top strategies for home buyers looking to find the best mortgage.

Using Your Home Equity To Buy Another House

When it comes to real estate markets, it is vital to have easy access to funding while buying another home. If you are wondering whether you can use your equity to purchase another house, then you’ll find the answer here. Home equity loans can be very low, and can also be a convenient way to facilitate your home purchase.

Best Robo Advisors in Canada: Reviewing the Benefits of Using a Hybrid Approach

You can find some of the best robo advisors in Canada, as Canadians like to use today’s technology to stay ahead with their investments. So, from which companies should you seek guidance? Let’s review three of the best robo advisors – companies that offer a hybrid model when investing.

Foreign Exchange Fees in Canada

If you are ready to learn more about these exchange fees, then read on to find out even more. You can benefit from knowing these fees, but also be able to stay away from anywhere that the fees might be higher than you’d like to play.

What are Mortgage Rates Like in Canada?

Learn more about the specific mortgage rates that Canadian lenders are offering consumers. While your credit history and reports will depend on the rate that you get from the financial institution.

Personal Loan Rates in Canada

We’ve gathered the information you need to find out if a personal loan is the best choice for you to go with. Learn more about these loans here to find out if they’re the best fit for you and your needs.

Mortgage vs. HELOC: When Each One is Best

Are you trying to decide whether a mortgage or HELOC is best for your property? Here are some things to consider.

How Home Equity Loans and HELOCs Work

Are you looking to borrow equity from your home? You have two main options: home equity loans and HELOCs. In this article, we’ll look at how they both work.