Archive
Article Archive
Ontario Variable Rate Mortgage Strategy
Reverse Mortgage: Independent Legal Advice (ILA)
Reverse Mortgages and the Affluent Retiree
Funding Your Retirement: Reverse Mortgage
Reverse Mortgage to a Second Dream Home
Reverse Mortgage: Cushion Against Inflation
Struggling Financially as a Senior
Key Features of a Consumer Proposal in Ontario
Mortgages: Consumer Proposal & Bankruptcy
Key Features of Bankruptcy in Ontario
Mortgage Availability in a Flood Zone
Who are Canada’s Private Lenders?
Who are Canada’s Mortgage Finance Corporations?
Canada’s Non-Federally Regulated Mortgage Providers
Who are Canada’s Mortgage Investment Corporations
Does the Stress Test Apply to Private Mortgages?
How Does the Stress Test Work?
American Financial Crisis in Canada?
What is Canada’s Mortgage Default Risk?
Why Canada Needed the Mortgage Stress Test?
What does the Stress Test Prevent?
5 Reasons to Escape the Rent Trap
Why Mortgages are Important to Canada’s Banks
Price of Commuting: Lost Time, Lost Life
Price of Commuting: The Daily Journey into Toronto
Is Ontario’s 407ETR The World’s Most Expensive Highway?
10 Ways Interest Rates Impact Housing Prices
10 Reasons Why Investment Demand Impacts Real Estate Prices
10 Ways Inflation Impacts Real Estate Prices
10 Ways Economic Conditions Impact Real Estate Prices
10 Reasons Real Estate is So Expensive
10 Ways Supply and Demand Impact Real Estate Prices
10 Ways ‘Location’ Impacts Real Estate Prices.
10 Ontario cities with Strong Property Value Appreciation
10 Fastest Growing Ontario Cities
Ontario’s Top Historical Cities
10 Factors Impacting Housing Supply
10 Shortest Ontario Commute Cities
Ontario’s 10 Most Affordable Cities
The Most Wanted Community Amenities
Ontario’s Top Lifestyle Cities
10 Variable Mortgage Strategies
How the Trigger Point Impacts Canadians
How to Take Advantage of Refinancing Opportunities
Difference between the Economy and Markets
Canadian Real Estate Lacks Capital
How to Control Inflation with Interest Rates
Interest Rates and the Canadian Dollar
How the Bank of Canada Steers the Economy
The Perfect Time for a Variable Rate Mortgage
How to Choose the Right Term Length for a Fixed Mortgage
What is Critical Illness Insurance
How to Make the Most of Prepayment Privileges for a Fixed Mortgage
Why Life Insurance is the Best Mortgage Insurance
How to Optimize Payment Frequency for a Fixed Mortgage
Record Wildfires Impact Lumber Pricing
How Alberta Leaving CPP Impacts You
Why Canadian Interest Rates Remain High
How Much is Airbnb Driving Up Rents
Experts Predict Canadian Dollar Fall
Re-Zoning to Create Affordable, Safe Neighbourhoods?
Why America Thrives and Canada Struggles
Small Business Debt: A Growing Concern for Canada’s Economy
The Housing Market and the Power of Lower Rates
Navigating Changing Interest Rates and Debt in Canada
The Importance of Private Sector Involvement in Affordable Housing
Investing in Real Estate and Infrastructure: Harnessing Long-Term Cash Flows
Defaulting on Your Mortgage? Exploring the Consequences and Solutions
Why a 3-Year-Fixed Mortgage May be a Bad Choice in 2024
Buy a property for $10 in Ontario: Town Makes Homeownership Affordable
Why Immigrants are Crucial for Canada’s Economy
Millennials Brace for Economic Pain
Toronto Real Estate: Dominance of Investors and Its Implications
Are You Prepared? Homeowners Brace for Mortgage Renewals
40-Year Canadian Mortgages: What you need to know.
London Addresses Homeless Crisis
The Impact of Mortgage Rates on Residential Property Values
Household Financial Stress Over High-Interest Rates
What’s So Special About 2% Inflation
How Much is Air BnB Driving Up Rent Prices?
Know the Dow, Build Your Down Payment
Mortgage Cash-Out Refinance in Ontario
Mortgage Refinance Options in Ontario
Mortgage Co-Signer: Risks & Responsibilities
Understanding Tenants in Common Ownership
Understanding Joint Tenancy Ownership
Why the First Time Home Buyer Incentive Program was Cancelled.
Navigating the CMHC Newcomers Program
Manulife One: Mortgage and Bank Account
Leverage Simcoe County Homeownership Program
Leveraging Peel’s BNI Homeownership Bridge Program
Leveraging GTA’s Habitat for Humanity
Leveraging the Kingston Homeownership Program
Leveraging the Dufferin Country Homeownership Program
Leveraging the Chatham/Kent Homeownership Program
Leveraging Gateway Muskoka Homeownership Program
Brantford’s B-Home Homeownership Program
Region of Waterloo Affordable Home Ownership Program
Leverage the Niagara Homeownership Program
Regional and Municipal Homeownership Programs
Get Down Payment Help Through Ourboro
Unlock your homeownership dreams in Canada with Ourboro’s tailored down payment assistance and resources. Start your journey today.
Real Estate Makes Canadians Wealthy
Unlock the secret to wealth in Canada; learn how your household net worth is bolstered by smart real estate investments.
Canadian Wealth Gap Widens
Explore the expanding wealth gap in Canada and its impact on economic disparity, home ownership and social equality. Understand today’s financial divide.
Deducting Interest Paid on Investment Income
Explore how deducting interest on your investment income can optimize your taxes in Canada. Learn tips for claiming interest deductions effectively.
A Guide to Assumable Mortgages
Discover how assumable mortgages can offer a cost-effective path to homeownership. Learn the benefits and process in our comprehensive guide.
Title Insurance – Protect Your Home
Safeguard your home investment with Title Insurance, offering security against unforeseen property title issues and peace of mind.
Using Your Credit Card to Build Wealth
Leverage your credit card to build wealth through rewards programs, cash back, and strategic use of available credit. Maximize returns while managing debt responsibly.
Required Mortgage Default Insurance
Discover why mortgage default insurance is required for high-ratio mortgages in Canada and how it protects your investment and lender from potential losses.
Quick Small Equity-Based Loans
… A Strategic Look at LendHub’s Quick Equity-Based Loans As an accountant or financial planner, you don’t get paid to react — you get paid to anticipate. You structure tax strategies, preserve capital, manage risk, and protect long-term wealth. But every now and...
Mortgage Documents: American Equivalent
The following is an explanation of the Canadian equivalent Americans may provide to support their mortgage application, and how these documents map to Canadian income documents. If you are an American looking to acquire a mortgage in Canada, be prepared to provide these documents.
How to Optimize Payment Frequency for a Fixed Mortgage
Optimizing payment frequency for a fixed-rate mortgage can significantly impact the overall interest you pay and how quickly you pay off your mortgage. Here's how to do it effectively: Understand Different Payment Frequencies Choose Accelerated Options Align Payments...
Second Mortgages Explained
… Position, Priority, and the Power—and Peril—of Layered Debt Second mortgages sit in one of the most misunderstood corners of Canadian real estate finance. They’re powerful, flexible, and sometimes exactly the right tool. They’re also easy to misuse, easy to...
Rental Investment Analyzer Manual
The Rental Investment Analyzer is a comprehensive financial analysis tool for evaluating Canadian rental properties. It converts user inputs (market rent, expenses, financing, etc.) into professional metrics like NOI, DSCR, cap rate, cash-on-cash return, and break-even rent.
Understanding Addbacks
Understanding Addbacks: In Canadian mortgage lending, addbacks are one of the most important (and most misunderstood) tools for turning taxable income into true cash-flow income—without pretending, stretching, or “making numbers up.”
Financial Power of Your Basement
Basement Apartment or Rental Suite: an owner-occupied rental — a basement suite, in-law unit, or secondary living space — can fundamentally change how a lender sees them, how much mortgage they qualify for, and how heavy their housing costs feel month to month.
Understanding Stated Income Business Income
Explore the nuances between stated income self declared and self-employed business income verification in Canada for mortgage solutions.
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
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