With just days to visit until the federal election, you might find yourself undecided on who to prefer.

That's alright. We're here to help. Like a website focused on personal finance, you want to demystify money for Canadians. Which means informing you concerning the various promises being produced by the politicians running to become Prime Minister.

Below we list the four major federal candidates and what their financial policies are. This list covers the main areas of their platforms, such as housing, taxes and investing.

We hope you will employ this resource to inform yourself concerning the key financial problems that matter for you. And don't forget, don't forget to decide to vote on Oct. 21.

Liberals

Mortgages: Justin Trudeau plans to expand the $1.25-billion First Time House buyers Incentive (FTHBI), which his party introduced in its 2021 budget and offers first-time buyers up to 10% off the purchase price of their first home, in return for an equity stake. Trudeau really wants to in the FTHBI in Greater Vancouver, Victoria, and the GTA to include homes worth up to $789,000 (formerly the cap was at $480,000). The Liberal party increased the RRSP withdrawal limit from $25,000 to $35,000, but has cited no intends to ease the rules from the mortgage stress test.

Housing: Trudeau has pledged to bring in a 1% housing speculation tax on foreign-owned homes in Canada. He's also promising roughly 1.5 million Canadian households use of up to $40,000 in interest-free loans for retrofitting their houses with increased energy-efficient features, for example upgrading or replacing old furnaces and leaky windows, as well as implementing features which make homes more resilient against flooding and wildfires.

Insurance: On the health file, the Liberals have promised to kickstart discussions with the provinces about instituting national pharmcare. The Liberals would be the only party to announce a national plan to tackle mounting property insurance costs. Trudeau says he'd introduce low-cost national flood insurance, which would be delivered via the Canada Mortgage and Housing Corporation, as well as $150-million to complete flood mapping nationwide. He'd also produce a new employment-insurance disaster-benefit program by 2021.

Taxes: Under Trudeau's plan, low and middle income earners won't pay tax on the first $15,000 of their earnings. Like the Tories, the Liberals also have pledged to make maternity and paternity benefits tax-free. The Liberals also have promised to double the amount Child Disability Benefit, which may give families of kids with disabilities up to $5,664 in financial support.

Investing and everything else: The Liberals say give startups money to assist them to grow, pledging cash incentives if they are elected. The party has also asserted it'll consider elminating so-called swipe fees that merchants have to pay to credit card companies.

Conservatives

Mortgages: Andrew Scheer has promised to recover a longer amortization period of 30 years instead of the current 25 in order to help lower first-time homebuyers' monthly mortgage repayments. He's also pledged to alleviate the requirements of the mortgage stress test, though it remains unclear to what extent, and has said he'd prefer to get rid of the mortgage stress test completely when homeowners go to renew their mortgages.

Housing: Scheer has promised a 20% refundable tax credit to homeowners who make energy-saving renovations to their homes. The tax credit might be worth as much as an annual $3,800. Scheer also plans to launch an inquiry into the alleged money laundering that some have to say is happening in Canadian property included in an effort to find out what's inflating house prices. He's also said he plans to open up surplus federal property to development in order that it could be turned into available housing supply.

Insurance: Scheer asserted he would maintain and increase long-term healthcare payments in the authorities. As for universal pharmacare, Scheer hasn't addressed the subject head-on. He's, however, promised to lower taxes and introduce more tax credits, indicating that, if elected, the Conservatives would expect individuals to manage their very own medical costs. The Conservatives haven't made any announcements when it comes to home insurance for areas impacted by global warming.

Taxes: Scheer has promised the removal of federal tax from maternity and parental benefits by introducing a 15% tax credit for income earned under both programs. Scheer has also pledged to bring back the public transit tax credit and cancel the Liberal carbon tax. Scheer has pledged to improve that old age tax credit by $1,000 and it has promised to make it easier for Canadians to gain access to the disability tax credit. The Tories have promised to cut the tax rate on the lowest income bracket (about $47,000) from 15% to 13.75% and also have also promised a young child fitness tax credit along with a children's art and learning credit.

Investing and anything else: The Conservatives plan to boost the federal government's contribution to Registered Education Savings Plans (RESPs) from 20% to 30% for every dollar invested, maxing out at $2,500 annually. Too, the lifetime maximum of grants paid through the government would increase from $7,200 to $12,000.

NDP

Mortgages: Jagmeet Singh also intends to restore 30-year amortization terms for first-time buyers on mortgages that are insured through Canada Mortgage Housing Corporation (CMHC). He's also asked the housing crown corporation to consider supporting co-ownership mortgages, where homebuyers can buy with family or friends to ease costs. Singh has indicated he also wants to double the amount first-time house buyers tax credit to $1,500.

Housing: Singh plans to spend $5 billion on new affordable housing within his first year-and-a-half in office. He intends to build 500,000 affordable homes within the next 10 years, which includes purchasing co-op housing units and non-market affordable housing. He's also pledged to waive federal GST/HST on new construction projects which have a lot of affordable housing units, in order to help have them built faster. Singh's platform also includes providing an instantaneous $5,000 subsidy to nearly 500,000 families who're can not pay their rents, and developing a public ownership registry to combat property money laundering.

Insurance: The NDP say that by 2021, they'll generate a national pharmacare program that gives comprehensive coverage. Dental hygiene is going to be covered under medicare, though it are only open to households making under $70,000 each year from 2021.

Taxes: Singh has promised higher taxes on the wealthy to pay for a wide range of policies, including pharmacare, affordable housing, etc. An NDP government would also provide cash incentives to inspire individuals to buy zero-emission vehicles. Singh's tax plan also focuses on the private sector. The NDP have promised to roll back corporate income tax cuts by three percentage points to 2010 levels. Additionally, capital gains inclusion will be increased to 75% along with a wealth tax on the top earners is going to be introduced.

Investing and everything else: While no official a part of their platform, the NDP has talked about closing a stock-option loophole and potentially getting rid of using bearer shares and foreign tax havens, that the party says allows the rich to cover money from being taxed.

Green

Mortgages: Elizabeth May has said she would like to eliminate the first-time house buyers grant, claiming it's made housing speculation and commodification worse. She's also pledged to rejig the mandate of CMHC so that it includes supporting the introduction of affordable housing. She wants to change what the law states that prevents Indigenous organizations from receiving financing from CMHC for self-determined housing needs, and she also wants to get rid of the Liberals' first-time home buyers tax credit.

Housing: May really wants to make housing a “fundamental human right” for those Canadians and permanent residents. She also wants to appoint a Minister of Housing as a way to bolster the nation's Housing Strategy, and address the housing needs unique to each province. She would like to build 25,000 new and 15,000 rehabilitated units each year for the following decade and increase the Canada Housing Benefit by $750 million for rental assistance for 125,000 households with rent. The Greens pledge to bring back tax incentives for purpose-built rental housing and provide tax credits for land turned into affordable housing.

Insurance: The Greens includes pharmacare under medicare in addition to free dental care for low-income Canadians.

Taxes: May has promised to close the main city gains loophole and tax financial transactions at 0.5%. She's also pledged to introduce a tax on wealth above $20 million and implement a “robot tax” on firms that replace workers with machines. Additionally, the Greens have promised to implement a tax on “sugary drinks.”

Investing and everything else: The Green Party is proposing big policies that could significantly lower debt burdens and charges for a variety of people. Their platform includes federal student loan forgiveness, free post-secondary education so that as mentioned, universal pharmacare.