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A home equity line of credit, or a HELOC, is one of the most convenient ways to borrow money and take advantage of the equity you have built over the years. As opposed to a conventional loan, HELOCs offer other advantages such as: Access to large amounts of money...
In 2017, a new Canadian mortgage law specified that every Canadian who was applying for an unsecured mortgage at a federally regulated financial institution had to pass a mortgage stress test. Even a hefty down payment was not a sufficient reason for waiving the test....