(905) 441 0770 allen@allenehlert.com

Archive

Assistance Holdback Amount

Mortgage Term: Assistance Holdback Amount

Discover the implications of the assistance holdback amount, how it relates to government programs and how it relates to construction loans and mortgages.

Getting a Mortgage Agent

Getting a Mortgage Agent

Discover what a mortgage agent is, how they are compensated, and why building a relationship with a mortgage agent is your first step on your real estate journey.

Canada's Mortgage Process

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

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.

Graduated Real Estate

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

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

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

Smart Second Mortgages: A smart second mortgage is more than a fallback, it’s an intelligent strategic tool.

Refinance Strategy

John and Mary Canuck: Refinancing Strategy

Learn how Canadians are leveraging home ownership to generate income, reduce taxes, and build wealth.

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

Mortgages: Grossing Up Income

What is a ‘Switch’?

Key Features of a Consumer Proposal in Ontario

Mortgages: Consumer Proposal & Bankruptcy

Key Features of Bankruptcy in Ontario

What are Commitment Fees?

Mortgage Availability in a Flood Zone

Canada’s Mortgage Stress Test

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

Where You Get Your Mortgage

The Disappearing Office Space

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

Ontario’s Worst Crime Cities

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

What is a Trigger Point

How the Trigger Point Impacts Canadians

How to Lock in a Good Rate

How to Take Advantage of Refinancing Opportunities

How to Break a Mortgage

Unaffordable Canadian Cities

Difference between the Economy and Markets

Canadian Real Estate Lacks Capital

How to Control Inflation with Interest Rates

Interest Rates and the Canadian Dollar

The Inverted Yield Curve Omen

How the Bank of Canada Steers the Economy

How Do Credit Scores Work?

How Cred Cards Work

Cred Card Rewards. Who Pays?

The Perfect Time for a Variable Rate Mortgage

What is disability Insurance?

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

10 Fixed Mortgage Strategies

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

Canadian REITS Need Capital

Defaulting on Your Mortgage? Exploring the Consequences and Solutions

Australia’s Warning to Canada

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

Becoming a Mortgage Guarantor

Mortgage Co-Signer: Risks & Responsibilities

Understanding Tenants in Common Ownership

Understanding Joint Tenancy Ownership

Getting a Joint Mortgage

Why the First Time Home Buyer Incentive Program was Cancelled.

Navigating the CMHC Newcomers Program

Manulife One: Mortgage and Bank Account

Canada’s New 30 Year Mortgage

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

Mortgage Document Frustration

 

Dealing with Unreasonable Clients

Dealing with Unreasonable Clients

Let’s be real: as a realtor, you will absolutely encounter clients who test your patience—and your professionalism. Maybe it’s the first-time buyer who “knows everything” because they watched a YouTube video. Or the client who ghosts you for two weeks, only to resurface with an accusatory “You never follow up!” line. Or worse, the client who belittles your experience in front of their cousin who’s apparently an “investor.” Sound familiar?

read more
Having Difficult Conversations as a Realtor

Having Difficult Conversations as a Realtor

You know the scene: you’re sitting at the kitchen table, CMA in hand, and your would-be seller swears their starter bungalow is worth $200 K more than the one that just sold next door. Your stomach tightens, your brain screams “Don’t blow the listing!”—and yet you also know that dodging this talk today will boomerang back as price-reduction agony six weeks from now.

read more
The Power of Batch Tasking for Realtors

The Power of Batch Tasking for Realtors

If your days feel like a blur of dings, calls, partial emails, half-written Instagram captions, and deals-in-progress that barely progress—you’re not alone. Realtors wear more hats than a milliner’s showroom, and in a job that demands peak energy, constant context-switching is quietly eating away at your productivity. What’s the fix? It’s not more hours—it’s smarter rhythms. Welcome to the power of batch tasking.

read more
How to Handle Angry People Like a Pro

How to Handle Angry People Like a Pro

If you’ve been in real estate for more than five minutes, you’ve probably been on the receiving end of an angry rant. Sometimes it’s just garden-variety frustration, and sometimes it’s full-blown fury—the kind that makes your gut twist and your voice tighten. Maybe it’s a deal falling apart, a lowball offer, or a home inspection that turned into a war zone.

read more
Structured Recovery Rituals for Realtors

Structured Recovery Rituals for Realtors

You already know real estate is a contact sport—phones buzzing, contracts crumbling, clients ghosting. The business rewards boldness, but it punishes nerves. Left unmanaged, the daily micro-hits of rejection, adrenaline, and uncertainty drill tiny holes in your energy tank until you’re running on fumes. The fix isn’t more coffee or another motivational podcast.

read more
Managing Accusatory Clients

Managing Accusatory Clients

When you work in real estate, you sign up for more than listings and lockboxes—you sign up for human psychology in its rawest form. One minute you’re high-fiving a buyer who just won a bidding war; the next, you’re staring at an all-caps email:

“YOU’RE NOT DOING WHAT YOU PROMISED!”

read more
Are You Cognitively Lazy?

Are You Cognitively Lazy?

Let’s have a straight talk moment. Have you ever caught yourself asking a question you already know how to find the answer to? You ask your broker, your colleague, or your coach—even though Google is sitting there with the answer in less than 0.4 seconds. It’s not because you’re incapable. It’s not because you’re lazy in the traditional sense. It’s because you’re human.

read more
Comfort Killing Momentum

Comfort Killing Momentum

Here’s something you probably already know deep down: comfort kills momentum. It doesn’t happen all at once. It creeps in quietly—like when you stop prospecting because you’ve got “a couple of deals in the pipeline,” or when you keep putting off learning new tech because “things are fine for now.” Comfort isn’t loud. It’s subtle. It whispers, “You’re doing okay. Why make yourself uncomfortable?”

read more
The Fixed vs. Growth Mindset

The Fixed vs. Growth Mindset

Let’s get real for a minute. How often have you heard another agent say, “I’m just not good with technology” or “I can’t do videos—I’m not that kind of person”? Probably more times than you can count. Now ask yourself this: are they really “not that kind of person”… or have they just decided not to grow?

read more
Realtor Learned Helplessness

Realtor Learned Helplessness

You know that feeling when you’ve tried something a few times—maybe building a website, running Facebook ads, learning Canva—and it didn’t click right away? So, you threw your hands up and thought, “This just isn’t for me.” Over time, you stopped even trying. Not because you’re lazy. Not because you don’t care. But because somewhere along the way, you started to believe you just can’t figure this stuff out.

read more
How Not to Take Things Personally

How Not to Take Things Personally

Imagine you’ve poured your heart into prepping a listing. The home is clean, the photos are crisp, the house is staged, and the marketing is on point. But there’s a problem—your seller wants $200,000 more than what you think it’s worth. Pricing is a little crazy, and there are no good comparables, so OK, let’s try.

read more
Emotion Management for Realtors

Emotion Management for Realtors

…Turning the Tide of Emotions Before They Swallow You Up You hustle from pre-qual calls to back-to-back showings, juggle late-night counter-offers, and still find time to reassure anxious buyers who’ve fallen down the rate-hike rabbit hole on Google. No wonder you...

read more
Alterna Savings: Flexible Mortgage Lending

Alterna Savings: Flexible Mortgage Lending

As a licensed mortgage agent dedicated to helping clients find the right financing solutions, I’m constantly evaluating which lenders stand out for their policies, service, and reliability. Let me introduce you to a lesser-known, but highly capable lender: Alterna Savings. You may not have heard of them yet—but for many borrowers, they may be exactly what’s needed.

read more
Dealing With Rejection

Dealing With Rejection

Rejection. It’s practically a job description in real estate. You gear up, put on your game face, pitch your value, and sometimes… the door closes anyway. You lose the listing. The buyer ghosts. The offer falls flat. And if we’re being honest, it stings—every single time.

read more
How Sales Impacts Your Mental Health

How Sales Impacts Your Mental Health

Sales impacts your mental health: Real estate sales can feel like a roller-coaster wrapped inside a pressure cooker. One week you’re riding the high of back-to-back accepted offers; the next, a deal dies in financing and that commission you mentally spent on a beach trip evaporates. Those swings don’t just mess with your pocket—they mess with your head. Nothing is worse than when the phone won’t ring and there doesn’t seem to be a single deal out there with your name on it.

read more

Featured Publications

Articles

Book: “The Program”

  • Part 1 – Building Your Down Payment
  • Part 2 – Mortgage Payoff Strategies
  • Part 3 – Building Wealth Through Real Estate

Get a free subscription to “The Mortgage Insider” containing rate updates and financial strategies!

The Mortgage Insider Newsletter