Personal Finance

Securing Your Today and Tomorrow

Housing as Income Percentage

Financial planners generally advise spending no more than 28% to 30% of your gross monthly income on housing. This guideline is known as the "front-end ratio" and primarily covers housing expenses like mortgage payments, property taxes, homeowner's insurance, and...

Accessing Your Credit Score

In Canada, understanding and monitoring your credit score is crucial for managing your financial health. This score, a numerical representation of your creditworthiness, impacts various aspects of your financial life, from securing loans to negotiating better terms on...

Mortgages: You Better Shop Around

When shopping for a mortgage it is important to think like a bank. Don’t pay the loyalty penalty, get the advantage of having Allen Ehlert shop the market and get you your best mortgage

Property Tax Calculations

Understanding property taxes and their calculations in Canada is essential for homeowners, prospective buyers, and real estate professionals alike. Property taxes are a significant source of revenue for municipalities and directly impact local services and...

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

Allowances and Your Mortgage

May 8, 2026

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

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What is Title Fraud

Did you know title fraud costs Canadians tens of millions of dollars every year? It's a serious issue in Canada where someone changes property records without permission. This can lead to big problems for homeowners, affecting their rights and money. It's important...

Introducing Halal Mortgages

I’m excited to introduce you to a form of lending that many Canadians may not be familiar with — Halal Mortgages. This opportunity represents a significant breakthrough in providing Sharia-compliant home financing options across Ontario, Alberta, and soon, throughout Canada. EQRAZ

Discover RMG Mortgages

Let me introduce you to RMG Mortgages (Residential Mortgage Group), a lender that has the potential to revolutionize your real estate financing.

How to Control Inflation with Interest Rates

Let's explore the intricate relationship between interest rates and inflation, and how central banks utilize interest rates as a key weapon in their arsenal to control inflation. We will unravel the complexities and real-world implications of interest rate...

Halal Mortgage Structures

At its core, a Halal mortgage is a Sharia-compliant home financing solution designed to accommodate individuals whose religious beliefs prevent them from engaging in traditional interest-bearing loans. In Islamic finance, paying or receiving interest (riba) is considered haram (forbidden). Therefore, Halal mortgages avoid traditional interest structures entirely.

Discovering MCAP

As your licensed and trusted mortgage agent, part of my responsibility is to connect you with not only the best rates, but the best lending solutions. It’s time you discovered MCAP, one of Canada's most respected mortgage lenders — a name many of never heard of before...

Discover EQ Bank for Your Mortgage

Choosing a lender you haven’t heard of before might feel daunting at first. But when you understand who EQ Bank is, the kind of lender they are, and the advantages they offer, you’ll quickly see why they have become an essential choice for many Canadians seeking flexible, competitive real estate financing.

Discovering Strive

I’d like to help you discover Strive Capital, a dynamic, award-winning Canadian lender whose name is rapidly gaining recognition for good reason.

Housing: A Business or a Right?

For much of the past century, the dream of owning a home has been a cornerstone of Canadian life — a promise of stability, security, and prosperity. But today, for many Canadians, that dream feels more out of reach than ever before. What happened? How did we go from a nation of builders and homeowners to a country where homes are increasingly treated not as places to live, but as financial assets?

Private Mortgage Saves Bad Credit Borrowers

John and Lisa, a couple from Toronto, recently completed a consumer proposal after struggling with credit card debt and personal loans. Their credit scores dropped significantly (John: 520, Lisa: 540), making it nearly impossible for them to qualify for a traditional...

Millennials Brace for Economic Pain

A new report from RBC warns that millennials and young Gen X homeowners could face significant financial challenges. High debt and vulnerability to a potential economic downturn are raising concerns about the ability of young workers to maintain employment and make mortgage payments. Dive deeper into the findings of the RBC report and explore the implications for millennials.

Unique Lending Solution: LendHub

LendHub is an Ontario-based lender with a refreshingly unique offering: fast, equity-based loans with no legal fees, no appraisals, no income documentation, and funding in just 48 to 72 hours. After meeting with their team and exploring their process in depth, I can confidently say they bring a much-needed solution to the Ontario real estate and financing market.

The Lenders: Introducing Premiere Mortgage

I am excited to introduce you to Premier Mortgage, a highly respected private lender with a long-standing track record of success, flexibility, and exceptional service. Established in 1985 and celebrating 40 years in business, Premier Mortgage is licensed to lend across Ontario, British Columbia, and Alberta.

The Lenders: Introducing RFA

As a professional mortgage agent, it’s my duty to guide my clients towards financing solutions that are not only competitive but also aligned with their goals and circumstances. Today, I’m excited to introduce you to RFA Mortgage Corporation—a strong, innovative lender that many Canadians may not yet know by name but absolutely should. Allow me to explain why RFA deserves serious consideration for your next mortgage and why they are emerging as one of the most client-centric lenders in Canada.

Private Mortgages Help Self-Employed / On Commission

Mark is a self-employed contractor in Vancouver who earns $150,000 per year, but his reported taxable income is only $50,000 due to business write-offs and tax deductions. His wife, Sarah, is a real estate agent who earns commission-based income that fluctuates from...