by Allen Ehlert | September 7, 2025 | Mortgages, Personal Finance, Real Estate
Foreign buyers who have paid the 25% Non-Resident Speculation Tax (NRST) may be eligible for a full rebate if they meet specific residency, employment, or education requirements within a set period. The Ontario government provides these rebates to encourage long-term...
by Allen Ehlert | September 6, 2025 | Realtor
….The Realtor’s Guide to Earning Rave Reviews Let’s face it: word of mouth has gone digital. These days, a glowing Google review is the new referral. And when you’re in the mortgage game—where trust, responsiveness, and results matter more than anything—those...
by Allen Ehlert | September 5, 2025 | Realtor
…and why you as a realtor give reviews Let’s be honest—your clients Google everything. From neighbourhood walk scores to mortgage rates to you. And when they find your Google Business Profile, one of the first things they’re scanning for is: “What do other people say...
by Allen Ehlert | September 4, 2025 | Mortgages, Personal Finance
Divorce isn’t just emotional — it’s financial. And one of the biggest financial decisions many separating couples in Ontario face is this: “What happens to the house — and can one of us afford to stay?” Selling is an option, sure. But what if one person wants to keep...
by Allen Ehlert | September 3, 2025 | Mortgages, Personal Finance, Real Estate, Uncategorized
Divorce is never simple—but when real estate’s involved, things can get especially tangled. If you’re in the middle of a separation and you and your ex have decided to sell the home and go your separate ways, the big question becomes: “How do we actually make...
by Allen Ehlert | September 2, 2025 | Home Specifications, Insurance, Mortgage Terms, Mortgages, Personal Finance
Let me guess — you bought a home, told the lender you’d be living in it, and now life’s thrown you a curveball. Maybe you’re getting separated.Maybe you’ve been relocated for work.Maybe you just see an opportunity to turn your place into a rental. So...
by Allen Ehlert | September 2, 2025 | Mortgages, Personal Finance
…and What You Can Do About It Right now, there are people all across the country wondering about the future of their marriage and whether they should stay married. I am not in a position to give any sort of marriage counselling, but I can tell you about your financial...
by Allen Ehlert | September 1, 2025 | Mortgages, Personal Finance
It’s a question I hear more often than you might think:“We’re separating—what happens to the house?” Divorce is hard. Emotions run high, there’s a lot of paperwork, and suddenly, questions about money become front and centre—especially around the mortgage. Whether...
by Allen Ehlert | August 31, 2025 | Mortgages, Personal Finance
We’ve all been there. Life’s busy, the mortgage renewal letter shows up, and your lender makes it easy: sign here, no fuss, no digging through old files. And honestly? It feels like a relief to avoid the paperwork. But that simple renewal—tempting as it is—could be...
by Allen Ehlert | August 30, 2025 | Insurance, Lender, Mortgages, Personal Finance
As a licensed mortgage professional, I always aim to introduce clients not just to the best rates and lenders—but to holistic solutions that protect their financial future. One of the most overlooked tools in the mortgage journey is lender-provided creditor insurance....
by Allen Ehlert | August 29, 2025 | Mortgage Terms, Mortgages, Real Estate
Are you looking to buy a house with your partner or a friend? Getting a joint mortgage could be the solution you’ve been searching for. A joint mortgage allows multiple individuals to pool their financial resources to qualify for a mortgage, making it an ideal...
by Allen Ehlert | August 28, 2025 | Mortgage Terms, Mortgages, Personal Finance
Some Canadian lenders may consider foreign income when underwriting a mortgage, but there are strict guidelines and additional documentation requirements. Many will not. Whether a lender accepts foreign income and the limitations on accepting such depends on their...
by Allen Ehlert | August 27, 2025 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
The world of home improvement is filled with terminology that often gets misused. One of the most common sources of confusion? The difference between remodeling and renovating. While the terms are frequently used interchangeably, they represent distinct types of home...
by Allen Ehlert | August 26, 2025 | Mortgages, Personal Finance, Real Estate
A home’s value isn’t static—it fluctuates based on market conditions, neighbourhood trends, and, most notably, the condition of the property itself. Homeowners looking to boost their property’s appraised value often turn to renovations, but not all upgrades yield the...
by Allen Ehlert | August 25, 2025 | Mortgages
Mortgages are one of the most important parts of Canada’s financial services industry because they connect people’s dreams of owning their own home with the country’s banks’ long-term goals. For Canada’s banks, mortgages and mortgage...
by Allen Ehlert | August 24, 2025 | Mortgages, Personal Finance
You’re sitting at the kitchen table with your daughter and her husband. They have been house hunting because they want to start a family. Your daughter tells you about her dream of buying a house and decorating the baby room, but unfortunately, her credit score...
by Allen Ehlert | August 23, 2025 | Mortgages
You’re sitting at a café with your best friend, Sarah, discussing her dream of buying a home. She’s found the perfect house, but there’s one problem – her credit score is not high enough to secure a mortgage. Sarah’s dream hangs in...
by Allen Ehlert | August 22, 2025 | Mortgages, Real Estate
Imagine you and your siblings have inherited a beautiful lakeside cottage from your parents. The cottage holds countless memories and sentimental value for all of you. However, you all have different plans for the property. One sibling wants to use it as a vacation...
by Allen Ehlert | August 21, 2025 | Mortgages, Real Estate
In Ontario, various regional and municipal homeownership programs are available to assist residents with the purchase of a home, particularly for first-time buyers and those with low to moderate incomes. These programs can include down payment assistance, grants, and...
by Allen Ehlert | August 21, 2025 | Mortgages, Personal Finance
… Make Your Mortgage Fit Your Life: A Budget-First Playbook You don’t buy a mortgage—you buy a life. The roof, the school district, the Saturday pancakes, the money left over for date night… that’s the real purchase. So instead of letting the mortgage dictate your...
by Allen Ehlert | August 20, 2025 | Insurance, Mortgages, Personal Finance
Disability insurance is a type of insurance designed to provide income in the event that a person is unable to work due to a disability. This insurance is crucial for financial protection, as it helps replace a portion of your income if you become disabled and are...
