Categroy
Consumer Proposals & Mortgages
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When a Homeowner Has Too Many Debts
If you’re a homeowner who wants to get on top of their debts in today's market, we generally offer 3 ...
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How Long Do You Have to Wait After Completing a Consumer Proposal...
After a consumer proposal has been fully paid, many think about buying a home. If already homeowners, they may be ...
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A Horrible Credit Score After Finishing a Consumer Proposal Isn...
A horrible credit score after finishing a consumer proposal isn't necessarily your fault. Many who've completed a consumer proposal are ...
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COVID-19 Q & A: Is It Possible to Renew a Mortgage While In ...
A reader asks whether COVID-19 has affected her ability to renew a mortgage while still in a consumer proposal, and ...
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Rebuilding Credit After Consumer Proposal or Bankruptcy
After you file a consumer proposal, expect your score to drop into the low 500’s, maybe even lower than that ...
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What is a Consumer Proposal?
Consumer proposals are an important part of the Canadian insolvency process, and are the main alternative to filing for bankruptcy ...
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Getting A Mortgage After A Consumer Proposal
Suppose you were in a consumer proposal and it’s now completely paid off. You have received your completion certificate from ...
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Buying a Home After a Consumer Proposal
Buying a home after a consumer proposal is a real possibility, but you must prepare for the credit history challenge ...
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Two Ways To Pay Off Your Consumer Proposal Early
Once your consumer proposal is approved, a new reality sets in and you adjust to a life of better budgeting ...
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Early Payment Of Consumer Proposal A Total Game Changer
This couple from BC tracked us down at AskRoss looking for relief from a large private second mortgage and also ...
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Homeowners in consumer proposal want to renovate their home
Homeowners in consumer proposals often find themselves with more options than renters. The strong real estate market might have yielded ...
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Paying Consumer Proposal Early Pays BIG time
Paying off your consumer proposal early pays BIG time! In the past few years, we have helped dozens of homeowners ...
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Reestablish your credit
How do you rebuild your credit? These days you can not avoid the need for a good credit score. Ross ...
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ASKROSS: Toronto Homebuyers’ Questions And Answers
Here are a couple of questions from the AskRoss mailbag. One reader asks with prices so high in the Greater ...
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Private Second Mortgage Solved Big Problems
Private mortgages are great tools for solving specific types of problems. Homeowners who need to consolidate debts or pay off ...
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Early Pay Off Of Consumer Proposal Led To Best Mortgage Possible
When the bank said 'no' to mortgage renewal because of a consumer proposal, switching to an alternative lender and paying ...