Personal Finance
Securing Your Today and Tomorrow
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.
Paystub and Your Mortgage
Learn why pay stubs are so crucial when applying for a mortgage. Discover how they are used and how they support your application
Rebuild Your Credit Using Credit Cards
Discover how to use credit cards strategically to rebuild bad or bruised credit.
Mortgage Challenges When You Are a Contractor
Many people today than ever work on contract. They usually are incorporated (especially if they want to work on government contracts), work through a recruiting firm for a client, invoice the recruiting firm for their hours, and pay themselves out of their...
4 Ways To Refinance Your Mortgage
15% of Canadians refinance their mortgage every year. Learn about the 4 ways Canadians refinance their mortgage and discover which approach is right for you.
Understanding Bank Posted Rates
Understanding Bank Posted Rates. You can’t calculate your bank’s mortgage penalty without knowing your bank’s posted rates.
Breaking Your Mortgage: Canada vs United States
Discover the big difference between the costs Canadians pay to refinance their homes compared to the costs paid by Americans and why such a big difference.
Is Fixed or Variable Best for You?
Discover the differences between a fixed rate mortgage and a variable rate mortgage, when one is better than the other, and which is right for you.
Understanding Bond Sector Consideration Premium
Learn how The Bond Sector Consideration Premium accounts for sector-specific risks or other unique factors affecting particular bonds.
Commission Income and Alt Lending
The real question is when a commission income borrower should consider an alternative lender instead of trying to force a file into prime lending guidelines that simply don’t fit the situation.
Mortgages: Including Support Payments to Income
Understand how support payments can be factored into your mortgage affordability in Canada with our expert guidance.
Buy, Reno, Rent, Refinance, and Repeat
BRRRR Analyzer: BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat.
It’s one of the most powerful real estate investing strategies available—but only when each step is executed with insight. The problem is, most people focus on the buy and the rent… and gloss over the refinance, which is where the entire strategy either succeeds or collapses.
Do Better At Mortgage Renewal
Unlock better terms on your Mortgage Renewal in Canada. Explore top rates and savvy renewal options to secure your financial future.
Credit Card Limit Carnage
Credit Card Limit Carnage: How good credit can kill your mortgage application.
Featured Publications
Articles
- Extended Amortizations and Hypothetical Calculations
Office of the Superintendent of Financial Institutions (OSFI) - Minimum Qualifying Rate for Uninsured Mortgages
Office of the Superintendent of Financial Institutions (OSFI) - Residential Mortgage Underwriting Practices and Procedures
Office of the Superintendent of Financial Institutions (OSFI) - Guideline on Existing Consumer Mortgage Loans in Exceptional Circumstances Financial Consumer Agency of Canada
Book: “The Program”
- Part 1 – Building Your Down Payment
- Part 2 – Mortgage Payoff Strategies
- Part 3 – Building Wealth Through Real Estate