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
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
When to Use Community Trust
Community Trust:When to use Community Trust, it isn’t a private lender; it’s a structured alternative lender designed for borrwers who are viable, responsible and real.
Canada’s Missing Housing-Enabled Infrastructure
Explore how Canada’s gap in housing-enabled infrastructure impacts urban development and transportation networks for better city living.
Using Blend and Extend to Consolidate Debt
Using Blend and Extend to Consolidate Debt: For the right borrower, a blend and extend can be a practical, lower-friction way to restructure debt, access equity, and improve cash flow without fully blowing up your existing mortgage. It’s not a magic fix, and it’s not available in every situation
Using the Reverse Mortgage Budgeting Planner
Using the Reverse Mortgage Budgeting Planner: the real question isn’t whether you can get the money—it’s whether the plan holds together over 10, 15, or 25 years once interest compounds, life gets more expensive, and the house still needs constant upkeep.
Climbing the Mortgage Ladder
Mortgage Ladder: Life doesn’t always unfold in neat, predictable steps. Sometimes you get bruised credit after a divorce, sometimes your business income doesn’t show well on paper, and sometimes the bank just flat-out says “no.” That’s when the mortgage ladder comes into play: starting where you are, even if that’s at the bottom rung, and climbing steadily toward prime lending.
On Commission Mortgage Secrets
Commission income isn’t difficult for lenders to approve—but it does require a more thoughtful underwriting strategy.
Second Mortgage Disallowed
Second Mortgage Disallowed: How your mortgage contract determines whether and how a second mortgage is allowed.
Merix Financial
Merix Financial: Buying a home isn’t always a straight line, and Merix Financial is built for the detours. Merix is a monoline mortgage lender – meaning they only do home loans, and they focus on doing them really well.
Everything You Need to Know About The Risk-Free Rate (Base Rate)
Explore the intricacies of the risk-free rate (base rate), a crucial concept in finance that serves as a benchmark for assessing risk and determining discount rates.
How to Merge Ownership
How to Merge Ownership: Two people fall in love, their lives start to merge, and eventually the question comes up: What about the house?
Maybe one partner bought the home years earlier. Maybe they built up equity on their own. Now the relationship has grown serious—marriage is on the table or the couple has decided to live common-law—and the other partner wants to contribute financially and build equity too.
Understanding the Credit (Default) Premium
Determining how the Credit (Default) Premium compensates investors for the risk that the bond issuer may default on its payments.
Understanding the Bond Liquidity Premium
Learn how the Bond Liquidity Premium compensates investors for the increased risk associated with longer-term bonds. .
Ultimate First-Time Homebuyer Pre-Approval Calculator
Ultimate First-TIme Homebuyer Pre-Approval Calculator: Most mortgage calculators out there are glorified guess machines. This isn’t a toy. It’s not a marketing gimmick. It’s a full underwriting-style analyzer designed to show you how a lender actually looks at your file—before you ever submit an application.
First-Time Homebuyer Pre-Approval Calculator User Guide
First Time Homebuyer Pre-APproval Calculator User Guide: The calculator is a multi-borrower first-time home buyer pre-approval tool with tabs for Borrower 1, Borrower 2, Co-Signer, Guarantor, and Summary. It calculates affordability using income, rental income, debts, down payment, property costs, GDS/TDS limits, a stress-test qualifying rate, and a lender-lane recommendation.
BRRRR Analyzer User Guide
BRRRR Analyzer User Guide: The BRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy is powerful—but only when the numbers are understood with precision. This advanced BRRR Analyzer is designed to give investors, realtors, and financial professionals a clear, data-driven view of a deal from acquisition through refinance and long-term performance.
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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