Plan and learn

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Home ownership

What is Bridge Financing

Bridge financing is a short-term loan homeowners use when they need funds to close a real estate deal on a new home, before their current home sale closes.

Home ownership

What to know about selling your home in retirement

Many Canadians downsize near retirement but may not realize the risks. Here’s what to keep in mind if you’re thinking about selling your home when you retire.

Home ownership

All-in-one mortgage vs traditional mortgage: what’s the difference?

Learn the difference between an all-in-one, readvanceable mortgage like Manulife One, and a traditional mortgage such as Manulife Bank Select.

Home ownership

What is renovation mortgage financing?

Are you considering mortgage financing for your home renovation? Whether you’re buying a fixer-upper or ready to update your current home, here’s what you should know.

Home ownership

Fixed or variable mortgage rate? Get both with Manulife One sub-accounts

Learn about the benefits of a mortgage sub-account, tracking vs. term sub-accounts, and how to use a sub-account to pay off your debt faster.

Home ownership

How much does it cost to build a house?

Learn how much it costs to build a house in Canada, including often-overlooked expenses as well as financing options for building your own home.

Home ownership

How to finance home renovations in Canada

If you’re eager to fix up your home but not sure how to go about financing your home renovations, here’s what you need to know about the options for Canadians.

Home ownership

7 common mortgage mistakes and what to do instead

These common mortgage mistakes could cost you thousands and make it tough to meet your long-term financial goals. Here’s what to do instead.

Home ownership

What you need to know about helping your child with a down payment

Here’s what you need to know about helping your child with a down payment to buy a home.

Home ownership

What is the First-Time Home Buyer Incentive – and is it a good idea?

In case you weren’t aware, there’s a federal program just for home-buying rookies like you: Canada’s First-Time Home Buyer Incentive. But is it a good idea? Let’s find out.

Home ownership

First-time homebuyers: should you buy a condo or a house?

Learn about what to consider, what to watch for, and how to go about making the wisest decision when getting into the real estate market.

Home ownership

How to stage your home for a quick sale

Want to stage your home for a quick sale? Here are 5 simple home staging tricks you can do yourself to increase your home’s potential to prospective buyers.

Home ownership

Buying a home: what to do after your offer is accepted

You found your dream home, submitted an offer, and it’s been accepted. Congrats! Here’s what you need to do after the sellers accept your offer.

Home ownership

Best DIY home projects to increase the value of your home

Learn which DIY home projects offer the best return on your investment and which updates don’t offer great value, so you can make the smartest decision for your situation.

Renovating

What is home equity and how do I use it?

Learn about how to use the equity in your home, how to calculate it, and the pros and cons of using it to help you reach your financial goals sooner.

Home ownership

What is a readvanceable mortgage?

Buying a home or refinancing your mortgage? Here’s what you need to know about readvanceable mortgages, one of the less-familiar – but oh-so powerful – mortgage options.

Your first home

Financing your home: how does mortgage insurance work?

Your home might be the biggest investment you make. Understanding how mortgage insurance works could help you make wiser decisions about saving for a home.

Your first home

How new CMHC mortgage stress test rules impact first-time home buyers

Learn about new Canadian Mortgage and Housing Corporation (CMHC) mortgage rules coming on July 1, 2020 and how they could impact your home buying plans.

Spending

Financial literacy 101: home ownership

In part two of our three-part series on financial literacy, we want to help break down some common questions about home ownership.

Home ownership

9 homeowner tax credits you should know about this tax season

This tax season, invest some time to learn how to keep more of your money in your own pocket. These nine homeowners' tax credits are a great start.

Home ownership

What should your credit score be to buy a house?

What should your credit score be to buy a house? Here's what you'll have to know about your credit before signing the dotted line on your next home.

Home ownership

Is buying a house with debt a smart decision?

Buying a house with debt isn't ideal — then again, life rarely is. Find out when it's a good financial move to buy a home, even with debt.

Home ownership

Considering a home reno? Ask these 9 questions when hiring a contractor

Whether you want to create your dream home or increase your house’s value for sale, you need to find a contractor you can trust. Here’s what to ask when hiring a contractor.

Home ownership

Homebuying checklist: 7 factors that affect home value

It's easy to fall in love with a house at first sight. Here's how to create a homebuying checklist that'll keep you grounded at your next open house.

Home ownership

5 ways to reduce mortgage stress

Is mortgage stress keeping you up at night? Use these five tips to gain peace of mind about managing your mortgage and financial stress.

Mortgages

What to know before listing your home on Airbnb

If you've been thinking about renting out your space on Airbnb, here are five questions to ask yourself before you turn your space into an income property.

Home ownership

Why buying a house when single makes more sense than you think

It's a common myth that buying a house when single doesn't make financial sense. Here's how to become a homeowner on a single income.

Home ownership

7 things I wish I knew before I bought my first home

Breathe easy, first-time homebuyer. As intimidating as the homebuying process can seem at first, if I figured it out, you can too.

Your first home

How to save for a down payment

Buying a home is a huge commitment. Here's how to make it manageable, from initial planning to putting a down payment on a house.

Home ownership
Personal finance, Update your home without going into debt image

Update your home without going into debt

Take these 8 home improvement steps to keep your home up to date without taking on a lot of debt and stress.

Home ownership
Standing in front house

A 5-step guide to buying a rental property

A rental property can be a great investment, but it’s a big commitment and the rules associated with being a landlord can be complex. These five steps will help you prepare.

Home ownership
Couple lying on floor

A 5-step guide to buying your first home

Buying your first home can feel overwhelming, but these five steps will help you prepare. And step 5? It’s “make an offer” – so you’re that close to owning your own home.

Home ownership
Coin model house

What does it cost to buy and own a home in Canada?

Buying a home is exciting, but no one ever said it’s cheap. There’s your mortgage payment, of course. But there are also several one-time costs and ongoing expenses you need to plan for.

Home ownership
Table and laptop

Understanding common mortgage terms

The process of buying a home is easier when you understand what it all means. These clear definitions of common mortgage terms will help you learn the lingo.

Couple arranging sofa

Which type of mortgage is right for you?

Buying a new home or property? Or, maybe your mortgage is up for renewal soon? Either way, you should understand your options. Let’s start with a few key facts about mortgages.

Home ownership

Personal finance

Resilience in the face of adversity

While inflation has tapered off and the Bank of Canada is holding the line on interest-rate increases, many people continue to struggle. Our latest survey identifies key challenges and reveals how Canadians are pivoting to stay on track.

Personal finance & insights

How CDIC insurance keeps your savings safe

You might already have insurance for your car or your house. But did you know that you have insurance on the money you hold in the bank? Best of all, it’s free!

Personal finance & insights

Inflation: Why everything keeps getting more expensive

Learn about what causes inflation, how the Bank of Canada tries to manage it and what you can do when interest rates are increasing.

Personal finance & insights

Teaching kids about money: you can teach kids about compound interest?!

Sounds crazy, but you can do it folks. And we’ve got activities for different age groups to help.

Personal finance & insights

Teaching kids about money: how (and why) we save

How can we help young kids wrap their minds around saving and delayed gratification? Well, here’s a start.

Personal finance & insights

Teaching kids about money: want it or need it?

It’s not easy to teach your kids about money. But don’t worry, parents – we’ve got your back.

Personal finance & insights

How to use your credit card wisely

Learn how to use a credit card wisely to build good credit, and how using a credit card can help you work towards your financial goals.

Personal finance & insights

6 bad spending habits you need to break

It’s not always easy to break a habit. That’s why we want to help you identify bad habits and replace them with new ones to help you optimize your spending.

Personal finance & insights

Financial literacy 101: save first or pay off debt?

If you’re new to managing money, it’s hard to know where to begin. Should you save first or pay off debt? Read this article to learn more.

Personal finance & insights

How to manage your money through a divorce

Divorce is tough emotionally and financially. Here’s how to handle your finances during a divorce to help minimize financial disruptions.

Personal finance & insights

Money Hacks: social proof can lead to a quicker decision, but it may not lead to a better one

Money Hacks is a series exploring Behavioural Economics concepts to illustrate how unconscious biases can influence our decisions. Using social proof, we make decisions based on what we see others doing. But should we?

Personal finance & insights

What should I do with my tax refund?

Did you get a tax refund when you filed your taxes this year? Here are 8 ways to make the most of your new-found money.

Personal finance & insights

Money Hacks: how DIY can save you money and increase your happiness

Money Hacks is a series exploring Behavioural Economics concepts to illustrate how unconscious biases can influence the decisions. Here’s how the Ikea Effect can save you money and increase your happiness.

Personal finance & insights

How to ask for a raise

To help you get a raise at work and improve your financial situation, we put together these compensation review tips.

Personal finance & insights

Interest rates 101: how interest works, and why it matters to you

62% of Canadians don't understand how interest rates impact their debt. Learn how interest rates work, and how they impact your savings, credit cards, mortgages, and more in this guide to interest.

Home ownership

Money Hacks: don’t let Jaws scare you into a bad financial decision

Money Hacks explores behavioural economics concepts and how unconscious biases can influence our financial decisions. Here's how to stay objective and avoid making bad financial decisions.

Personal finance & insights

What you need to know about getting your first credit card

Are you ready for your first credit card? A credit card can be a great financial tool, but if used irresponsibly, credit cards can shackle you with excessive debt loads and unmanageable payments.

Budgeting

Going back to school? Here are 10 ways to pay for your education

Are you a mature student considering going back to school? If so, you know how daunting it can be to find ways to pay your tuition and education costs. However, you might have more options than you realize.

Budgeting

Money hacks: how the Distinction Bias leads you to pay for features you don’t need

Money Hacks explores Behavioural Economics concepts and how unconscious biases can influence our financial decisions. Here's how the Distinction Bias leads you to pay for features you don’t need.

Personal finance & insights

7 essential small business banking tips to thrive after a crisis

Use these 7 essential small business banking tips to clarify and prioritize your activities and responses to the challenges of the pandemic economy.

Budgeting

5 ways to prepare your small business for the post-pandemic economy

After the pandemic: how to equip your business to survive and thrive today and in the post-COVID-19 world.

Personal finance & insights

10 bad banking habits you should stop now

These 10 day-to-day bad banking habits could cost you money. Replace them with these simple good habits and you could soon improve your financial position.

Budgeting

Money Hacks: how marketers use the anchoring effect to get you to spend more

Money Hacks explores behavioural economics concepts and how unconscious biases can influence our financial decisions. Here’s how to avoid spending more than you need to.

Personal finance & insights

Money Hacks: don’t let the default effect make choices for you

Money Hacks explores behavioural economics concepts and how unconscious biases can influence our financial decisions. Here’s how to make small changes that make a big difference in your spending.

Personal finance & insights

Money Hacks: you don’t need to win the lottery to get bitten by the windfall effect

Money Hacks explores behavioural economics concepts and how unconscious biases can influence our financial decisions. Here’s how to use a windfall to get ahead.

Personal finance & insights

Money Hacks: don’t get tricked into buying things you don’t need

Money Hacks explores behavioural economics concepts and how unconscious biases can influence our financial decisions. Here's how to avoid being tricked into buying things you don't need.

Personal finance & insights

Money Hacks: spend money smarter by staying off the bandwagon

Money Hacks explores Behavioural Economics concepts and how unconscious biases can influence our financial decisions. Here's how to save money by staying off the bandwagon.

Personal finance & insights

Money Hacks: naming your account could help you save more money

Money Hacks explores behavioural economics concepts and how unconscious biases can influence our financial decisions. Here's how naming your bank accounts could help you save.

Personal finance & insights

Financial literacy 101: retirement planning

Planning and saving for retirement may seem overwhelming, but it's much more simple than you'd think. And, a good understanding of basic financial concepts can take you a long way.

Personal finance & insights

Work from home setup: 5 tips for working from home effectively

Use these 5 tips to create a more productive and successful work from home setup best suited to you, your work requirements, and your family responsibilities.

Spending

6 tips for managing money during uncertain times

During uncertain times, it’s natural to feel concerned about money. Use these tips to help you manage your money today and put yourself in a stronger position when things return to normal.

Saving

Financial literacy 101: banking and budgeting

Personal finance and budgeting may seem overwhelming, but it's much simpler than you'd think. And, a good understanding of basic financial concepts can take you a long way.

Personal finance & insights

First-time tax filers, it's easier than you think

Tax season can be a headache for first-time tax filers if they don't know where to look for help. Instead of stressing about doing your taxes, read this.

Personal finance & insights

What's the difference between a TFSA and RRSP?

Having trouble deciding between using a TFSA or an RRSP for your savings? We’ve broken down the benefits of each to help make your choice an easy one.

Personal finance & insights

How to help your immigrant parents understand their finances

If you’re a first-generation Canadian and are looking for tips to help your parents out, we’ve got you covered.

Family finance

The basics of envelope budgeting

Paper-based envelope budgeting might seem old-fashioned, but the principles behind it still hold water in the digital world. Learn more here.

Personal finance & insights

5 ways to get financially ready when planning for a baby

Babies are wonderful — and expensive. Before baby costs send you deep into sticker shock, here's how to handle the financial side of planning for a baby.

Personal finance & insights

How to use a credit card to its full potential

Paying with plastic has its benefits. Learn how to use a credit card to maximize its perks, points, and insurance benefits while minimizing interest.

Personal finance & insights

Starting your own business with family — smart or senseless?

A lot goes into starting your own business with family. Here's what to consider to stay happy and successful long after you've opened your doors.

Personal finance & insights

How to read a credit report and understand your credit score

Credit reports can be confusing, but that doesn't mean you have to stay confused. Learn how to read a credit report, understand your score, and more.

Personal finance & insights

A step-by-step guide to rebuilding credit

What do you do when your credit score only seems to drop? Here's what you might be doing wrong — as well as how to start rebuilding credit.

Personal finance & insights

Why you need an emergency fund and how to build one

Wondering if you need an emergency savings fund, and how much money you need to save? This 5-step guide can help you build your emergency fund.

Saving & investing

Money Hacks: are bad mental accounting habits holding you back?

Money Hacks explores behavioural economics concepts and how unconscious biases can influence our financial decisions. Here's how mental accounting can negatively impact your everyday financial decisions — often without even realizing it.

Personal finance & insights

5 startup costs you may not have considered

Planning for the startup costs for a new business is a daunting task. Here are five startup costs you may not have considered and how to plan for them.

Spending

How to separate business and personal expenses

Finances are complicated, especially with a business in the mix. Here's how to separate business and personal expenses.

Personal finance & insights

Is debt consolidation a good idea?

Is debt consolidation a good idea? Learn how debt consolidation works and whether it might be a good idea for you.

Debt & borrowing

How to become an entrepreneur: 5 questions to ask yourself

Starting your own business is thrilling — but it's not exactly straightforward. Find out if you're ready to learn how to become an entrepreneur.

Personal finance & insights

Just graduated? Now it's time to pay off that student loan debt!

As students across the country graduate from post-secondary schools, the time to start focusing on paying off that student loan debt is now.

Debt & borrowing

How to save for retirement in your 30s

Saving for retirement at 30 can be difficult. Use these tips to help you navigate any competing financial responsibilities life throws at you.

Saving

How to save for retirement in your 40s

Saving for retirement in your 40s is possible, but it looks a little different from planning in your 20s. Use these six tips to get started.

Saving

Why you should live on a tight budget after college

Now that you've graduated, you might be ready to drop your tight budget. Here's why keeping it up could be the best thing you can do for your finances.

Budgeting

Debt snowball vs. debt avalanche: which strategy is right for you?

The debt snowball and debt avalanche are two of the most popular debt repayment methods. Here's how to choose the right strategy for you.

Debt & borrowing

7 finance and budgeting skills every student should know

Taking the time to learn basic finance and budgeting skills before entering university helps you prepare for school and beyond. Here's what to know.

Budgeting

How to send your kids back to school without going broke

Preparing your kids to go back to school doesn't have to be outrageously expensive. Use these tips to shop wisely without sacrificing anything you need.

Be prepared

Need to save money on rent? 6 ways to reduce your housing expenses

If you're trying to save money on rent, consider these six ways to help reduce your housing expenses and make a tight budget work.

Budgeting

5 clever tips for moving

Are you the sort of person who’d prefer to avoid hoisting a box spring onto the roof and through a window? Well friend, this is the list for you.

Be prepared

Are you targeting the right financial goals and priorities? Here's how to find out

Competing financial priorities can make it hard to manage your money. Learn to identify and prioritize your financial goals with these simple tips.

Personal finance & insights

Don't miss out on credit card travel insurance and these other fun travel perks

Take your travel hacking to the next level by choosing a card that offers perks like cash back, credit card travel insurance, and VIP concierge services.

Personal finance & insights

What does financial stress have to do with your physical health?

You want to improve your finances, but not at the cost of your health. Here's how to eradicate financial stress without relying on instant ramen.

Personal finance & insights

A 3-step guide to retirement plans for freelancers

Learn how to retire comfortably as a freelancer or contract worker by making the most of Canadian government pensions and retirement plans for freelancers.

Retirement

How to build credit and improve your credit score

You probably left school knowing more about dinosaurs than how to build credit. Time to get your credit score turned around — the stegosaurus won't mind.

Credit cards

Why a personal budget doesn't have to be a drag

If you don't maintain a personal budget, you may assume it means kissing nights out and fun purchases goodbye. Here's why you couldn't be more wrong.

How to save for retirement in your 20s

Planning for retirement early lets you start small. Use these 6 simple tips for saving for retirement in your 20s.

How to pay for your dream vacation without drowning in credit card debt

You've crunched the numbers, and the only way to pay for your dream vacation is by taking on some credit card debt. Are you doomed? Not even close.

piggy bank saving image

Now’s the time to start retirement planning

When you haven't already started, retirement planning can seem all but impossible. If you don't think you can do it, this article is for you.

Personal finance & insights
keys with a wooden key-chain with a house shape

How to navigate a joint mortgage

Is a joint mortgage part of your newlywed finances if one of you already has a mortgage before you get married? Here's what you need to know.

goals bucket list

10 simple money goals to get your finances in order

It's time to set some financial goals so you can actually get your money in order. Luckily, we’ve laid out the steps to help you get there.

How to develop a budget for beginners

If you're just starting your career or living on your own for the first time, you know the learning curve is steep. Here's how to budget for beginners.

Get out of debt on an entry-level salary

You've graduated and entered the workforce. Now what? When you're earning an entry-level salary, paying off student loans and getting out of debt may seem impossible. But trust us: you've got this.

What are investment loans?

There are some occasions where debt might not be such a bad thing and leveraged investing via investment loans might be one of them. Find out more today.

Security and fraud prevention

11/30/2022

Fraudulent product offerings (images can be seen below) referencing Manulife and Manulife Bank are currently in circulation. They promote inaccurate GIC rates and portray false information.

Security

6 simple tips for safe online and mobile banking

Online and mobile banking make managing your money easier than ever. Here's how you can keep your account safe when you're banking from your computer or phone.

Security

Why it’s easier than you think to get scammed

We often think that only ‘other people’ fall for the tricks of scammers. Sometimes, that makes us ignore red flags, to be defensive, and to hold out longer than we should when our money is at risk.

Security

How to keep yourself safe from online scams

Does your average spending spree take place on your computer? Learn how to protect yourself from online scams while shopping.

Security

Watch out for these common internet scams

When it comes to banking online, it’s important to stay up to date on the latest scams to protect yourself.

Security
secure laptop

Sidestep scams and protect your identity to stop fraud

There are many things you can do to prevent fraud – no matter how it occurs – and reporting it can help minimize the damage. Learn what steps you can take today.

Tools & calculators
Protect yourself agains fraud

3/20/2020

7 things you can do to stay safe online

COVID-19

Manulife Bank news

Alert: Fraudulent product offer

A fraudulent product offer is being circulated, featuring Manulife’s logo and branding.

News & community

We’re offering a financial relief program to support customers who have been impacted by wildfires.

NEWS & COMMUNITY

2023 tax filing dates and mailing schedule

The key mailing dates for your 2023 tax slips and receipts from Manulife Bank, and the important dates for filing your 2023 tax return.

News & community

2023 Public Accountability Statement now available

Manulife Bank’s 2023 Public Accountability Statement (PAS) is now available on our website.

News & community

Introducing new services to help you stay on top of your account activity and make informed financial decisions.

News & Community

Federal regulators have been consolidating regulations that protect bank customers, and we revised some of our legal documents to capture them.

News & Community

Introducing our new online banking site and a new way to sign in

We’re very excited to announce two big updates: our new online banking site and Manulife ID, a convenient way to connect your personal Manulife products and accounts.

News & community

Changing the way you deposit foreign funds

Due to changes with third-party service providers, we can’t accept cheques from foreign banks.

News & community

5/6/2020

Before applying for the Canada Emergency Business Account (CEBA), read this to understand the program details, eligibility requirements, and repayment terms.

COVID-19

11/16/2020

Now available! A quick and convenient way to pay dozens of provincial and federal government agencies online – from your Business Advantage Account.

News & community