FYI to all, that "20,000" mentioned is approximate and actually increases each year. For 2014 it was $24,270 and for 2015 it is $24,930. Hope this helps!

@Konoha: I updated my answer to reflect this. Best of luck!

I believe that it will be 1/15th of the amount left, but I only have anecdotal evidence of that. If I find anything definitive, I'll update my answer.

Not necessarily. Opinions vary on the pros and cons of contributing to a pension vs an RRSP. I would suggest starting a new question for this and perhaps someone else may have a detailed answer.

Consider Tangerine or CIBC for a smartphone cheque deposit feature if that would satisfy your requirement.

Thanks for the answer. I think that for posterity, it would be best if the answer was Canada-centric, as specified in the question. @Kate, if you have more info and links, please convert the comment into an answer.

Downvote? Apologies if this question is in bad taste. I do mean it in earnest as my wife and I are looking at houses at the moment and I'm wondering if I should just have the mortgage in my name or should we co-apply. I assume someone out there has given this some thought. Thank you.