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
Canada’s Mortgage Process
Today getting a mortgage is a complex process involving the collection and submission of a large amount of documentation, 6 to 7 times more than previously. This can be daunting for a lot of borrowers. This is why it is critical to work with a mortgage agent to help you through the mortgage application process. It’s also why partnering with a mortgage agent is the very first thing you should do and the first step to getting home.
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.
Mortgage Term: Graduated Rate Estate
Discover the implications of graduated rate estate, how it allows an estate to benefit from graduated income tax rates and the management of an estate’s assets.
Mortgage Commitment: What You Must Know Before Waiving Financing
Discover what a mortgage commitment is and its importance in regards to waiving conditions on your offer to buy a home. Learn what you need to know before waiving financing.
Mortgage Discharge Statement
Learn why the mortgage discharge statement is an important document that ensures transparency and accuracy when calculating the total payout for a mortgage transfer.
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.
There’s a Mortgage for Everyone
. The current reality for many Canadians is a complex financial profile, uncertain employment, and varied income streams, all of which make qualifying for a mortgage more challenging. However, the good news is that a wide variety of mortgage programs exist to cater to different borrower needs, making homeownership an attainable goal for many.
Lenders’ View: Second Mortgages
Lenders’ View: Second Mortgages. Every lender views second mortgages through a completely different lens of risk, control and structure.
‘B’ Lenders Don’t Pre-Approve
Discover why Pre-Approval B Lenders offer a fresh start with alternative mortgage options for those with credit challenges in Canada.
Avoid Blacklisted Condos
A blacklisted condo is a condominium that certain mortgage lenders have categorized as high-risk and are unwilling to finance. Learn the reasons why a condo is blacklisted and what to do about it.
Mortgage Term: Accumulated Income Payments
Discover the implications of accumulated income payments and how they indirectly related to mortgages.
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.
Mortgage Term: RDSP Qualified Investment
Discover the implications of an RDSP qualified investment, how it can grow in a tax-deferred manner leading to building wealth and providing a secure home for a disabled Canadian.
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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