Mortgage Articles

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‘Consent to Second Mortgage’

Consent to Second Mortgage: Understanding the document that enables you to get a second mortgage.

Second Mortgage Hard No!

Second Mortgage Hard No! Discover when getting a second mortgage is either a bad idea or completely not allowed.

Fees: Receiving and Sending Money Internationally

When receiving or sending large amounts of money internationally from a Canadian chartered bank, several types of fees may apply. These fees can vary depending on the bank, the transfer amount, the destination country, and the method used.

Your House? Better Get Title Insurance

While most homebuyers are aware of closing costs, mortgage insurance, and property inspections, many overlook the critical role that title insurance plays in protecting their property ownership rights.

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.

Can a Lender Really Pull a Rate Hold?

Oct 30, 2025

If you’ve ever sat down with a client—or maybe you’re the one house hunting—and thought, “Phew, I’ve got my rate locked in, I’m good to go!”… I hate to break it to you, but it’s not quite that simple. There’s a lot of misunderstanding in the market around what a rate hold actually is, and more importantly, what it isn’t.

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