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
Condition of Appraisal
In real estate transactions, an appraisal condition is a clause in the Agreement of Purchase and Sale that makes the buyer's obligation to complete the purchase contingent upon the property's appraised value meeting or exceeding the agreed-upon purchase price. This...
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.
Multi-Family Member Home Purchase Calculator User Guide
Designed for modern Canadian homebuyers navigating complex family structures, the Multi-Family Member Home Purchase Calculator empowers multi-generational families, siblings, and co-buyers to understand their true purchasing power with clarity and precision. Built...
Buy, Reno, Rent, Refinance, and Repeat
BRRRR Analyzer: BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat.
It’s one of the most powerful real estate investing strategies available—but only when each step is executed with insight. The problem is, most people focus on the buy and the rent… and gloss over the refinance, which is where the entire strategy either succeeds or collapses.
Don’t Move Without Bridge Financing
Considering a move? Bridge financing can help you buy your dream home before selling your current property. Learn how to secure this short-term loan in Canada.
Do Better At Mortgage Renewal
Unlock better terms on your Mortgage Renewal in Canada. Explore top rates and savvy renewal options to secure your financial future.
Move Up / Down Calculator User Guide
The Move Up / Down Calculator is designed to give you a clear, side-by-side view of what it actually costs to move. Instead of guessing, it breaks down your current home sale, mortgage payoff, transaction costs, and new purchase into one cohesive financial picture—so you can see exactly where you stand.
Home Buyer Savings Strategy Optimizer User Guide
Home Buyer Savings Strategy Optimizer User Guide The Home Buyer Savings Strategy Optimizer is a planning tool designed to help you determine the most effective way to build your down payment using Canada’s key savings vehicles: First Home Savings Account (FHSA)...
Credit Card Limit Carnage
Credit Card Limit Carnage: How good credit can kill your mortgage application.
Home Ownership Timeline Calculator User Guide
The Home Ownership Timeline Calculator User Guide walks you through every section of the Home Ownership Timeline Calculator — what to enter, what the results mean, and how to get the most out of the tool. Whether you’re just starting to save or getting close to your goal, this calculator helps you turn uncertainty into a clear, actionable timeline.
Switching Lenders Mid-Term to Consolidate Debt
Switching Lenders Mid-Term to Consolidate Debt: Switching lenders mid-term to consolidate debt is one of the most misunderstood strategies in Canadian mortgage planning. In many cases, switching lenders mid-term isn’t the flashy option—it’s the necessary one.
Refinancing to Consolidate Debt
Refinance to Consolidate Debt: Debt rarely shows up as one big bad decision. More often, it’s a slow buildup—credit cards used during a tight year, a car loan layered on top, maybe a line of credit that never quite goes back to zero. Before long, a noticeable chunk of your monthly income is going toward interest, not progress.
Canadian Cash Damming Calculator User Guide
The Canadian Cash Damming Calculator is a visual planning tool built to help you estimate if cash damming may be worthwhile based on your mortgage, HELOC, deductible expenses, tax rate, and professional costs.
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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