The GreenFlow Financial Blog

Energy Efficient Homes: Save Money and Increase Comfort

January 11th, 2021

Homeowners who want to be more environmentally friendly, save money, or both can make use of the CMHC Green Home Program. If you’re planning to buy, build or renovate this year and want an energy efficient home, you can get a partial refund on the cost of your mortgage loan.

3 Ways to Increase Your Business’s Cash Flow

January 4th, 2021

The end of a year is when most businesses see a significant boost in cash flow. The holiday season is typically a time when businesses see an increase in foot traffic and online orders. But 2020 was far from typical, not least because Ontario was in an extended lockdown over the holiday period.

Real Estate Trends in Canada

December 29th, 2020

In Ontario, as in the rest of the country, people have been leaving the cities for homes in the suburbs and further afield for more space and green areas. Has this affected condo construction? How much did house sales increase? What happened to prices and what is the projection for 2021? Find out in the infographic below:

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Debt Consolidation: Get Back On Track

December 21st, 2020

The world is being hit by a debt tsunami. Canada has seen the most notable rise in debt to GDP ratio, according to a July report by the Institute of International Finance. An increasing number of Canadians will need to think about debt consolidation. (more…)

Spending, Saving or Investing? An Infographic

December 9th, 2020

What have homeowners and business owners been doing with their money during the pandemic? Many have been saving in order to invest it in the new year. If you're thinking about investing in real estate, take a look at what has been happening and what the predictions are for 2021 in this infographic.

Thinking of investing in property? 6 things to consider first

December 3rd, 2020

US President Roosevelt once pointed out that, “real estate cannot be lost or stolen, nor can it be carried away. Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world”. It turns out that Canadians agree.

B Lending: Preparing for Success

September 15th, 2020

Regulations governing borrowing are likely to get more stringent. Updates on the stress test have been paused and there’s little information yet on when new regulations will be announced. It’s best to be prepared for more tightening of the B-20 and the way to do that is to have a deeper understanding of the alternative side, the B side of lending.

Analysis of Housing Incentives in the 2019 Canada Budget

March 26th, 2019

The 2019 Federal Budget is aiming to favour First Time Home Home Buyers and the lower income segment with no incentive for purchasers of higher valued properties. However, is that really the case? Let's see what those incentives are and discuss them in detail.

The journey of Home Capital & its impact on borrowers

May 1st, 2017

Last week was a bumpy ride for Home Capital Group Inc. (TSX: HCG), the Parent company of Home Trust. The company’s stock price nosedived almost 65% in one day, from $17.09 / share on April 25, 2017 to $5.99 / share on April 26, 2017. The journey commenced in 2014 when the company ran into some compliance issues with the regulators, having to do with fraud cases and lack of disclosure to its shareholders.