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Sandra MacGregor

Sandra MacGregor

Sandra MacGregor

Sandra MacGregor is a freelance writer who has been covering personal finance, investing and credit cards for over a decade. Her work has appeared in a variety of publications like the New York Times, the UK Telegraph, the Washington Post, Forbes.com and the Toronto Star. You can follow her on Twitter at @MacgregorWrites.

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A happy South Asian female student is texting someone about her Motive Financial GIC performance that she checked on her laptop.

Best Motive Financial GIC Rates for December 2024

Motive Financial GICs offer competitive interest rates in registered and non-registered plans, though at a steep minimum deposit requirement than other online banks.

Mortgage vs. Loan: How to Choose

Whether a mortgage or loan makes more sense for you comes down to what you need the money for and how much you need to borrow.

3 Questions to Ask Before Sharing a Credit Card With Your Partner

Getting a joint credit card can make spending easier, but there are important things to consider before taking the leap.

Buying a Gift Card With a Credit Card? It Could Cost You Extra

Gift cards can be convenient but beware: your credit card issuer might treat those purchases as cash advances, leading to significant additional costs.

Switching Mortgages: Guide to Changing Your Loan or Lender

Switching mortgages is possible at any time during the course of your term, but there are things to watch out for, like prepayment fees.

FICO Score in Canada: How It Works

Canada's credit reporting agencies use FICO scoring models to help assess your financial health.

RSP vs RRSP: Which Is Best for You?

Any registered savings plan or retirement savings plan may be referred to as an RSP, while an RRSP is a government-registered account with set contribution and withdrawal requirements.

Guide to Credit Score Ranges in Canada

Credit scores in Canada are three-digit numbers that range from 300-900, and are rated from Poor to Excellent.

Free Tax Clinics: A No-Cost Option for Thousands of Filers

Available across the nation, free tax clinics provide an affordable way for eligible Canadians to file taxes and access important tax benefits.

Average Credit Score in Canada by Age and Location

Knowing your credit score and how close it is to the average can help you be more prepared to apply for financial products.

True North Mortgage Review 2024

True North Mortgage offers access to an impressive variety of residential mortgage types, and has a low rate guarantee.

First National Financial Mortgage Review 2024

First National Financial is a non-bank mortgage lender providing residential, commercial and sub-prime mortgages via a network of mortgage brokers.

BMO Mortgage Review 2024

The Bank of Montreal is Canada’s oldest bank — and mortgage lender. Here’s what you need to know about getting a BMO mortgage, including rates and special offers.

Equitable Bank Mortgage Review 2024

Equitable Bank offers residential and commercial mortgages via mortgage brokers; it's known for being one of two banks to offer reverse mortgages in Canada.

Using Gift Money as a Mortgage Down Payment? Here’s What to Know

If you plan to use gifted money as the down payment on your first house, be prepared to provide some extra documentation.

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