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
Mortgage Debt Conversion Accelerator User Guide
Mortgage Debt Conversion Accelerator User Guide: an interactive planning tool to simulate advanced mortgage strategies that replace nondeductible home-mortgage debt with tax-deductible investment debt.
(RRSP) Home Buyers’ Plan: Saving for Your Home
RRSP Home Buyers Plan or Home Buyer Plan. Unlock your RRSP savings to buy your first home with the Home Buyers’ Plan. Learn how to make a tax-free withdrawal for your down payment.
Calculating Debt Service Ratios (GDS/TDS)
Discover how to calculate Debt Service Ration for mortgage affordability in Canada.
Will AI Address Labour Shortages?
Learn how AI will impact the labour market and whether it can address labour shortages in many sectors of the economy.
Bank of Canada’s Economic Outlook
The Bank of Canada has published its economic outlook based on questionnaires to Canadian businesses and consumers.
2024 CMHC Mortgage Rules
Unlock the latest 2024 CMHC Mortgage Rules essential for Canadian homebuyers. Stay informed on down payment, insurance, and qualification criteria.
Posted Mortgage Rate ‘Bait ‘n Switch’?
Discover the truth behind advertised mortgage rates, what is really going on behind these ads, and can you really trust those rates?
Canada’s New 30 Year Mortgages
Unlock the secrets of Canada’s 30 Year Mortgages for long-term financial planning and stability. Find your best rate today.
First Time Home Buyer Incentive Program Cancelled
Discover the factors leading to the cancellation of Canada’s First Time Home Buyer Incentive Program and what this means for you.
Interest Rates and the Canadian Dollar
Ever wondered how interest rates affect the value of a country's currency? Buckle up and let's dive into the intriguing world of currency and interest rates! The Relationship Between Interest Rates and Currency Value Central banks often increase interest rates to...
Record Wildfires Impact Lumber Pricing
Learn about the significant surge in lumber prices caused by record wildfires in Canada. Discover the key factors driving price escalation and the implications for various sectors such as construction and housing.
Why Immigrants are Crucial for Canada’s Economy
Discover the important role immigrants play in filling job vacancies, supporting retirement funds, and contributing to Canada’s economic growth.
Why a 3-Year Fixed Mortgage May be a Bad Choice in 2024
Thinking of getting a three-year fixed mortgage in 2024? Read this blog post to find out why basing your decision on future interest rate expectations may not be a good idea.
Navigating Changing Interest Rates and Debt in Canada
Learn about the impact of rising interest rates on Canadian households and small businesses. Discover strategies to protect your financial stability and navigate the changing landscape.
Small Business Debt: A Growing Concern for Canada’s Economy
Discover the growing concerns surrounding small business debt in Canada. Learn about the struggles faced by these businesses, the importance of supporting them, and the government’s role in preventing economic failure.
Why America Thrives and Canada Struggles
Explore the reasons behind America’s economic success and Canada’s struggles. Discover why high household debt, job losses, government spending, productivity, and high interest rates have shaped the outcomes. Find hope in upcoming interest rate reductions and the Canadian government’s efforts to address the deficit.
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
Get a free subscription to “The Mortgage Insider” containing rate updates and financial strategies!














