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Over the years, banks and other lenders have created various ways to keep people in their homes, even if they can no longer afford their payments. One of the most common is the mortgage holiday. Instead of being required to make payments on their loan, borrowers are...

Congratulations! If you are reading this blog, chances are, you are coming close to the end of your mortgage term! At RH Financial Consultants, we get lots of questions from people about their mortgages. A common question we get is “what happens when I pay off my...

As you get older, you find yourself with so many different financial responsibilities and commitments. From mortgages to car finance payments, the list seems never-ending. However, one area of your personal finances that you may be neglecting is your life insurance....

Setting up your own business, and saying no to the security and comfort that the proverbial 9 to 5 job can provide takes tremendous courage! On such a journey only hard work is inevitable, while the future is always unpredictable. However, for those who can pull it...

A mortgage in principle is an indicator from a mortgage provider of how much money they might be willing to lend you. You might also see this referred to as ‘an agreement in principle’ (AIP), ‘a decision in principle’ (DIP), or ‘a mortgage promise’. Although it isn’t...

If you are looking for trustworthy mortgage advice, should you turn to a mortgage advisor or a mortgage broker? It might be surprising, but actually, a mortgage advisor and a mortgage broker are the exact same thing! However, there is a distinct difference between an...