This move away from rigidity of traditional benefits packages comes as no surprise when one considers variety of life circumstances among Canadian population. Increasingly, family households have both partners working thereby causing a considerable overlap in benefits. With flexible coverage, one partner’s traditional plan is complemented and any gaps in family’s coverage are easily filled. Younger Canadians may find themselves planning for a family and need to think about necessity for vision insurance and/or dental insurance. Alternatively, aging individuals may need to secure a variety of previously unneeded benefits, such as disability insurance.

It is predicted that when baby boomers are ready to retire, a massive job shortage will result. Subsequently, employers may find it challenging to compete for prospective employees. Perhaps it will be employer who can appreciate evolving needs of Canadians who will triumph.

Be persistent – This is key when seeking a mortgage loan pre-approval with poor credit, be optimistic. Look for creative ways to get financing and contact as many brokers as possible. There is one or more out there that can help you. The key is to find them.

Start house hunting - Sometimes key to getting into a house is finding right one and a seller that is flexible enough to help you do some creative financing work. For example: seller carrying back a small percentage of loan, seller paying your closing costs or you being able to purchase house for significantly lower than market value.

To view a list of our recommended poor credit mortgage lenders, visit this page: Poor Credit Mortgage Lenders.