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consumer proposal
_completed consumer proposal 700450X THUMBNAIL (3)
A horrible credit score after finishing a consumer proposal isn't necessarily your fault. Many who've completed a consumer proposal are surprised to learn that numerous mistakes on their credit report are doing serious harm to their credit score.
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Renew Mortgage
A reader asks whether COVID-19 has affected her ability to renew a mortgage while still in a consumer proposal, and whether it's possible to refinance, pay off the remainder of the consumer proposal and establish a secured line of credit.
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Published: • This is the second in a three part series of articles discussing private mortgages. Private mortgages are becoming increasingly common because of extremely high house prices, especially in Canada’s major cities, and as a result of the mortgage stress test. In Part 1, I covered the basics, answering the most frequently asked questions....
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Rebuilding Credit After a Consumer Proposal or Bankrupcy
Published: • There is no question after you file a consumer proposal or personal bankruptcy, your credit score is going to take a beating. Credit scores range from as low as 300 to 900, with most Canadians in the 600’s and 700’s. After you file a consumer proposal, expect your score to drop into the...
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consumer proposal 700450X THUMBNAIL
Consumer proposals are an important part of the Canadian insolvency process, and are the main alternative to filing for bankruptcy. We answer 5 of the most common questions about consumer proposals.
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mortage renewal 700450X THUMBNAIL (1)
Auto-renewing your mortgage is easy, but can be a very poor financial decision. These top 3 mortgage renewal tips will help you get the best rate and terms and may save you thousands of dollars.
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https://askross.ca/alternative-mortgage-lenders-canada-bad-credit-private-second-mortgages/
The media paints alternative lenders as shadowy, less-than-reputable lenders who prey on desperate homebuyers. We look at the important role that alternative and private lenders play in the market and compare them with traditional "A" lenders, such as banks.
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Buying a home after a consumer proposal is a real possibility, but you must prepare for the credit history challenge. 3 scenarios for buying a home after a consumer proposal are discussed.
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