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
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.
PMB Professional Mortgage Brokers
PMB Professional Mortgage Brokers: The Small Eastern Ontario Mortgage Investment Entity with the big heart.
Difference Between Variable Rate and Adjustable Rate Mortgages
Discover the differences between an adjustable and a variable rate mortgage. Who is which type of mortgage best for and is one of these best for you.
Applying with Disability Income
Learn about the difference between taxable and non-taxable disability income and the impact each can have on your mortgage application.
Understanding Bond Sector Consideration Premium
Learn how The Bond Sector Consideration Premium accounts for sector-specific risks or other unique factors affecting particular bonds.
Fixed vs Variable: Doing the Math
To really know if a fixed-rate or a variable-rate mortgage is best you have to do the math and know the unknown gotchas. Discover how to determine which mortgage is right for you!
How Are Mortgages Priced?
Learn how mortgages are priced by lenders and see how complex these financial instruments are.
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.
Required Gross Income Calculator User Guide
The Required Gross Income Calculator answer the question, “How much income do I need to qualify for the home I want?”
Prime Rate Impact Calculator User Guide
The Prime Rate Impact Calculator is desiged to help you understand how changes in the Bank of Canada Prime Rate impact your mortgage.
Mortgage Term: Letter of Credit
Discover how a Letter of Credit issued by a bank or financial institution guarantees payment and secures a purchase.
Canadian Cost of Borrowing APR Mortgage Calculator User Guide
Canadian Cost of Borrowing APR Mortgage Calculator User Guide enables you to see your true cost of borrowing.
Multi-Borrower Pre-Approval Calculator User Guide
The Multi-Borrower Pre-Approval Calculator is designed to provide an accurate, lender-aligned estimate of mortgage qualification for individuals or groups of up to four borrowers.
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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