Although the spring months may be one of the most popular times for the housing market, that doesn’t mean you need to wait for the flowers to bloom before you get to the shopping. There are several reason why you should consider purchasing a home in the winter, and here’s why:

1. Take advantage of lower prices

According to market trends in Canada, the first two weeks of January are usually very s-l-o-w. People tend to be recovering from holiday shopping and returning from vacation; not exactly...

The first step towards purchasing a home is knowing what you can afford. This all starts with getting pre-approved for a mortgage. From there, you can narrow down your search and eliminate those blue-sky homes if they are out of reach.

When you meet with a mortgage broker they will assess what you can afford at the best possible rate for you, the buyer. A lender has - and should have - your best interest at heart. However, it’s okay to challenge them to make sure you are getting the best service...