Personal Finance
Securing Your Today and Tomorrow
Is It a Scam to Pay a Full Year’s Rent in Advance?
Learn what is legal and what is practised when competing for a place to rent.
10 Commandments of Mortgages
Looking to buy your new home is an exciting experience. All the possibilities. You look and you look and you look. You go to open houses, have your realtor take you into house after house, then all of of sudden you walk into one house and bang it hits you, home! You...
Basis Points: Key to Smarter Mortgage Decisions
Learn what basis points are, why they are used and their impact on the mortgage application process.
Canadian Utilities Costs
Explore the cost of utilities in Canada to manage your household expenses better. Gain insights into average rates and cost-saving strategies.
Using a Cash-Back Realtor
In today’s real estate market, many Canadian homebuyers don’t know about the benefits of a cash-back realtor. Imagine getting a part of the agent’s commission for every property deal. This is what cash-back home buying offers, making homes more affordable in Canada.
Gifts Ineligible for Net Worth Programs
Discover why gifts are not generally eligible to be used as part of the down payment or source of income for people applying for a mortgage under the Net Worth Program
Smart Second Mortgages
Smart Second Mortgages: A smart second mortgage is more than a fallback, it’s an intelligent strategic tool.
John and Mary Canuck: Refinancing Strategy
Learn how Canadians are leveraging home ownership to generate income, reduce taxes, and build wealth.
What’s Your Best Rate?
Rate is important, but going for the lowest rate mortgage could cost you far, far more. Learn about the ‘hidden’ risks of low-rate mortgages and discover your best rate.
Lenders’ View: Second Mortgages
Lenders’ View: Second Mortgages. Every lender views second mortgages through a completely different lens of risk, control and structure.
What is a Net Worth Program?
Learn what a Net Worth Program is and how it assists individuals with substantial net worth to qualify for a mortgage.
Sources of Home Down Payment
Discover reliable sources for your home down payment in Canada. Learn about savings options, grants, and assistance programs to make homeownership a reality.
Why Refinanced Mortgages Are Always Uninsured
Discover why refinanced mortgages in Canada are always uninsured and the opportunities refinancing your mortgage provide you.
Protecting Your Personal and Financial Information
Discover how Allen Ehlert protects your personal and financial information so you can be secure when applying for a mortgage knowing your information is safe and secure.
‘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.
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