First off, thank you so much for thank you so much for the detailed guide - it really has put some things into clarity!
However, I have a question that pertains to my proof of funds. My husband and I have most of our funds tied up in property in South Africa. We are willing to sell, but will only do this if we know that our application has been successful. So, our timing from beginning to end needs to be spot on. That being said, I am reluctant to sell on a slim chance of getting that guarantee or knowing that Canada is a definite.
To add to this, we have some funds in savings as well as with our retirement funds. Upon research, it looks like we can tap into these but I concerned that with the current South Africa exchange rate we may fall short of the required amount. Based on this, could we use our savings (fixed term and retirement funds) along with a letter from an estate agent on how much our property is worth (minus the debt on the home loan)? If I can use the sale (or more so the potential sale) of our property we will be well within the required funds. I would also like to try to get the balling rolling and timing for the OINP application is slowly running out.