Refinancing your mortgage is a great way to reduce debt and take control of your finances. There are many reasons to swap out your current home mortgage for a new repayment plan. It all depends on what you’re looking to achieve with your new home loan. Use this guide to learn more about the refinancing process to see if this is the right option for you.

Many of us store personal, sensitive and confidential information on our digital devices. This makes them an attractive target for scammers and criminals. Follow best practices in these areas to help keep your devices secure:

Ahh the rumble of the engine starting up, the sun glinting off the new paint and that sweet new car smell. There are few things that are more satisfying than the feeling of driving your brand-new car off the lot for the first time. But before you walk away with keys in hand, there are a few steps you must go through first. There can be a lot of anxiety around the car buying process, especially if you aren’t familiar with it and don’t know what to ask. This guide will give you a comprehensive primer of things to know and look out for to ensure that your experience at the dealership is a smooth ride.

Use this calculator to estimate your rate and monthly loan payment for a car, motorcycle, recreational vehicle or personal loan. You can also use this calculator to contact an Ent Lending Specialist. 

As a parent, you might struggle with when and what to teach your children about money management. Is five too early to earn an allowance? Should you share the family budget with your children? When should teens learn about credit? These are all important questions, and it’s often not easy to know the answers. Kids have different levels of interest in financial education. But research tells us that by the age of five most children understand money and what it can do. The information below offers more specific guidelines for different age groups. Again, these are just guidelines. What decisions you make about when and what to teach at home depend on your family situation, household budget and how comfortable you are in the role of teacher.

The first step towards a better financial quality of life is knowing where you stand. Take this quiz to see your financial health score.

Struggling with debt? Having a hard time paying bills or keeping to your budget? Worried about bankruptcy? Explore ways to get back on track.

Repayment of a home equity line of credit requires that the borrower makes a monthly payment to the lender. For some home equity lines of credit, borrowers can make interest-only payments for a defined period, after which a repayment period begins. Interest-only payments are based on the outstanding loan balance and interest rate. During the repayment period, the payment includes both repayment of the loan principal, plus monthly interest on the outstanding balance. Loan payments for the repayment period are amortized so that the monthly payment remains the same throughout the repayment period, but during that time, the percentage of the amount that goes towards principal will increase as the outstanding mortgage balance decreases.

Use this checklist when buying a used vehicle to help make sure you're getting a good deal and a reliable car.

Debt consolidation loans allow consumers to transfer the account balances from multiple credit cards or installment loans into a single loan and to make a single monthly payment. For debt consolidation loans to be beneficial, the repayment period for paying off the consolidation loan should be shorter than what it would be for your existing debts without the loan. Secondly, the interest that you pay over the repayment period should be less than what you would pay with your existing repayment terms. In some cases, a debt consolidation loan may look attractive because it has a significantly lower monthly payment than what you are paying today, but it is likely the case that the lower payment is due to extending the repayment of the loan over a much longer repayment period.

Be proactive in safeguarding your sensitive, personal and confidential information. Protecting this information makes it difficult for someone to assume your identity to commit fraud or other criminal acts. Focus on best practices in these areas to help keep your information safe: