Mortgage Articles

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Understanding Market Rent

Understanding Market Rent: More homebuyers today rely on rental income to qualify for mortgages. If you’re one of them, you’ll often need a market rent report or rent letter to “prove” that income to the lender.

Allowances and Your Mortgage

Discover what an allowance is, the different types of allowances, and how allowances can support your mortgage application.

Understanding Exit Strategies

Understanding Exit Strategies. How getting out of a Private mortgage is more important as getting in.

Do You Need Title Insurance for a Condo?

Learn about the special risks that come with condominium ownership and while having title insurance is important.

When a Second Mortgage Makes Sense

Second Mortgage: When it Makes Sense and when and why it can be the better move.

Collateral Mortgage: How Much Collateral to Register?

Learn what a collateral mortgage is and how to determine how much collateral to register on a collateral mortgage.

Canada’s Employment Crisis

Mortgage agents are boots-on-the-ground financial professionals who know what is going on in the economy in real time. As I talk to people, I often feel like a counsellor, as people share with me what is going on in their lives and what is happening with their employment situation.

How I Structure Second Mortgages

Second Mortgage Structure: How I treat your second mortgage as a full mocrtgage file with structure, risk analysis and a clear strategy.

10 Reasons Canadians Refinance Their Mortgage

Every year, about 15% of Canadians refinance their mortgage to take advantage of better mortgage terms (reduced rate, amortization, or mortgage feature), improve their financial condition, buy out a partner, or take advantage of an investment or business opportunity.

The 5 C’s of Credit and Your Mortgage

Unlock the secrets to mortgage approval in Canada by mastering the 5 C’s of Credit, crucial for securing your dream home.

Understanding Shelter Costs

Jan 6, 2026

Shelter Costs: If you’ve ever felt like lenders were speaking a different language when they talk about “shelter costs,” you’re not alone. Clients often look at me like I’m explaining astrophysics when I break down why lenders assign a shelter cost—even when a borrower is living in their parents’ basement and paying nothing more than a smile and a promise to take out the garbage.

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