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Our team is committed to your long-term financial success.

“The team are top notch in every way.  Always going above and beyond to stay ahead of the curve for their clients.  Most people talk about it, but they actually do it.  They define success and we are very fortunate to be able to work with them.” – Dave

“Professional, Personable, and Service Oriented.  Anytime I recommend the Outline Financial team I know they will be welcomed with a friendly smile, treated with respect and get the information they need to make an educated and informed decision.” – Corrie

“I would like to take this opportunity to thank you all for your help and advice.  Samantha, without your detailed explanation of budgeting, I would never have a clear picture of where I stand before making and offer.  Joanna, without your advice, I would have given up on buying this home…just to let you know I am very grateful.  Heather, you provided me lots of advice and help, and in the end, the rate worked out very well too, so thank you very much.  Now that the closing is done…I am excited to plan for the future.” – Wayne

“The team is professional and knowledgeable in their field.  Not only have they provided me with exceptional service, they have also given me excellent advice on related matters.  The team is highly responsive and committed and I am pleased to provide them with a strong recommendation.” – Robin

“We want to thank you and your team!  You not only provided us with a great mortgage…you and your team gave us peace of mind and that’s priceless!” – Melanie

“My wife and I have relied on Joanna and the team several times over the years to help us navigate the byzantine world of personal finance, debt management and mortgage renewals.  They always strive to provide the best deal thoroughly customized to meet our needs.  I would gladly recommend the team to anyone – and in fact, I have on several occasions.” – Adrian

“The Outline Financial team provided outstanding service for my client.  They work fast, arranged the most suitable plan, and helped my client through the mortgage process.  I recommend the team to anyone looking for a great advisor!” – Blair

“The team was an absolute pleasure to work with.  They made the mortgage process the easiest part of homeownership.  We were confident they would go above and beyond to get us the best rate – and they did.  Their approach was professional and customer-focused.  We knew we were in good hands from the beginning.  I wouldn’t buy another house without them.” – Melissa

When was the last time you bought something that truly mattered?

Our homes are what shape us. They’re more than a roof overhead. They’re the places we raise our children, celebrate with family, mourn loved ones lost and live life to the fullest. Buying a home is a unique responsibility, as well as an incredible opportunity.

Video: 2018 Condo Market Outlook Event

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What an amazing turnout for our 4th annual Condo Market Outlook Event!  As usual, Urbanation provided ground-breaking information and left everyone with very useful market stats, trends, and takeaways about the new, resale, and rental condo…

Gallery: 2018 Condo Market Outlook Event

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Thank you to everyone that joined us for our 4th annual Condo Market Outlook Event.  Please enjoy the pictures, and also be sure to check out the video recap in an upcoming post.

March 2018 - TREB Stats and Commentary

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In an effort to assist our realtors and clients gain further insight into the Toronto real estate market data, we have accumulated a database of TREB results on a monthly basis for the past 10 years (sales, avg price, new listings &…

Group Life Insurance - Only Part of The Solution

Ownership of individual life insurance at its lowest level in 30 years: The Life Insurance and Market Research Association (LIMRA) 2013 study shines a light on a developing problem for Canadian households: Individual ownership of…

2018 CMHC Prospective Home Buyers Survey

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In preparation for its 2018 Home Buyers Survey, CMHC surveyed 2,507 prospective home buyers on-line. Respondents were all prime household decision-makers who intend to purchase a new home within the next two years, including approximately 1,500…

Is the floor about to fall out of the Toronto housing market? Things may not be what they seem.

Written by: Outline Financial / Jan 30, 2018 For at least the last half decade, some economists and real estate analysts have predicted a crash in Toronto’s housing market. Minor, recent dips aside, it’s yet to happen. Now, those same…

Bank of Canada Increases Overnight Rate to 1.25%

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Jan 17, 2018 - The Bank of Canada today increased its target for the overnight rate to 1 1/4 per cent. The Bank Rate is correspondingly 1 1/2 per cent and the deposit rate is 1 per cent. Recent data have been strong, inflation is close to…

Major Policy Change - another day, another mortgage change...and this one's BIG!

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While the details are still trickling in, the Office of the Superintendent of Financial Institutions (OSFI) has once again used its powers to tighten mortgage qualification rules.  These changes could be effective as early as today…

Bank of Canada Increases Overnight Rate to 1%

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Oct 11, 2017 - The Bank of Canada is raising its target for the overnight rate to 1 per cent. The Bank Rate is correspondingly 1 1/4 per cent and the deposit rate is 3/4 per cent. Recent economic data have been stronger than expected, supporting…

2017 Mortgage Consumer Survey

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CMHC recently completed an online survey of 3,002 recent mortgage consumers, all prime household decision-makers who had undertaken a mortgage transaction in the past 12 months. Sixty-five percent had undergone a mortgage renewal, 15% had refinanced…

Pay Attention to Your Beneficiary Designation

It's more important than you think Naming a beneficiary is a valuable feature of life insurance and segregated funds policies so it is important to carefully choose your beneficiaries. Estate - the default choice Many people choose…

What is a credit score, and how to improve yours.

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What is a Credit Score: Your credit score is a number that illustrates your financial health at a specific point in time. It also serves as an indicator of your financial past, and how consistently you pay off your bills and debts. This…

Guide to Mortgages

Your mortgage questions answered.

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