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In one of the biggest moves in Canadian banking in years, EQB Inc. —the parent company of EQ Bank—has announced plans to acquire PC Financial , the financial arm of Loblaw Companies Limited. This strategic deal is set to reshape how millions of Canadians earn rewards, manage their money, and access digital banking services. Here’s a breakdown of what this major transaction means and why it matters. A New Loyalty-Linked Banking Ecosystem With this deal, EQB and Loblaw are crea

The final half of 2025 marked a pivotal, yet contradictory, period for Canada's financial markets. While Bank of Canada (BoC) rate cuts  offered a glimmer of hope to squeezed households, the looming "Mortgage Renewal Wave" —the largest in Canadian history—continued to test the resilience of the nation's homeowners and the broader economy. This blog post breaks down the key trends, challenges, and forecasts defining the Canadian mortgage industry and financial markets in Q3 an

Effective December 2, 2025 By FINANC1FYD – Powered by 8Twelve Mortgages (FSRA Licence #M25001127) Sarv – Mortgage Agent Level 1 Manulife Bank has announced new rate reductions and program enhancements effective December 2nd, 2025 . These updates benefit homebuyers, current homeowners, investors, and self-employed borrowers looking for flexible mortgage solutions. Below is a simplified, consumer-friendly guide to the new offerings available through Financ1fyd / 8Twelve Mortg

This Blog Is based on Transunion Q3 Financial Report

This is a quick guide about all you need to know before buying your first home in canada.

Starting a business is exciting, but finding the right funding can feel overwhelming. You want a loan that fits your needs, offers flexibility, and supports your growth. Luckily, Canada has several startup loan opportunities designed to help you get your business off the ground. This guide will walk you through the best options, explain key details, and help you make confident decisions. Exploring Startup Loan Opportunities in Canada When you’re launching a new business, cash

When you're ready to invest in commercial property, understanding how Canadian mortgage financing works is key. It can feel overwhelming at first. But with the right information, you can confidently navigate the process and secure the best deal for your business or investment goals. Let’s break down what you need to know about commercial mortgages in Canada, including how rates work, typical terms, and tips to get the best financing. Understanding Canadian Mortgage Financing

A Complete Guide to CMHC Insurance, GDS, and TDS Ratios for First-Time Homebuyers in Canada

Starting or expanding a construction business often means investing heavily in trucks and construction equipment. These assets are essential for completing projects efficiently and on time. Yet, the upfront costs can be a major hurdle. That’s where tailored financing solutions come in. By choosing the right funding options, you can acquire the trucks and equipment you need without draining your cash flow or compromising your business growth. ! Eye-level view of a heavy-duty e

How Equipment Loans Help Your Business Grow Equipment financing allows businesses to spread the cost of new machinery or vehicles over time. Instead of paying a large sum upfront, you make manageable monthly payments. This approach preserves your working capital, which you can use for other essential expenses like payroll, inventory, or marketing. Many businesses find that equipment loans are the best financing for businesses because they provide quick access to the assets n

Starting a business is exciting, but securing the funds to grow it can be challenging. For young entrepreneurs, understanding how to access business loans is a crucial step toward turning ideas into reality. This guide breaks down the essentials of business loans, helping you navigate the process with confidence and clarity. Understanding Business Loans Business loans provide capital that entrepreneurs use to start, expand, or maintain their ventures. Unlike personal loans, t

Growing a business often means investing in new equipment. Whether you need machinery, technology, or vehicles, acquiring the right tools can boost productivity and open new opportunities. But buying equipment outright can strain cash flow or limit your ability to invest elsewhere. Equipment loans offer a practical way to finance these purchases, helping businesses expand without large upfront costs. This post explains how equipment loans work, their benefits, and what to con