by Allen Ehlert | April 19, 2026 | Mortgages, Personal Finance, Real Estate
When shopping for a mortgage, Canadians have a choice between fixed-rate mortgages and variable-rate mortgages. In Canada, the majority of mortgages are fixed-rate. As of recent years, approximately 70% to 75% of all mortgages in Canada are fixed-rate mortgages. This...
by Allen Ehlert | April 18, 2026 | Lender, Mortgage Terms, Mortgages
…. The Small Town Eastern Ontario Mortgage Investment Entity If you’ve ever had a client whose deal fell apart at the eleventh hour — credit bruised from a rough patch, self-employment income that doesn’t translate neatly onto a T4, or a gorgeous rural...
by Allen Ehlert | April 18, 2026 | Mortgages
In Canada, the terms “adjustable rate mortgage” (ARM) and “variable rate mortgage” (VRM) are often used interchangeably, but they can refer to different types of mortgage products. The primary distinction lies in how changes in interest rates...
by Allen Ehlert | April 17, 2026 | Mortgages
When applying for a mortgage, it is important to show as much income as possible to demonstrate to a lender that the applicant can service the mortgage. For some clients, applying with disability income is an important part of proving they qualify for a mortgage....
by Allen Ehlert | April 17, 2026 | Economy, Mortgages, Personal Finance
The Bond Sector Consideration Premium accounts for sector-specific risks or other unique factors affecting particular bonds. For example, bonds from emerging markets might carry additional premiums for political and economic instability. The sector/special...
by Allen Ehlert | April 16, 2026 | Mortgages
When shopping for a mortgage, Canadians have a choice between fixed-rate mortgages and variable-rate mortgages without getting into all the different kinds of fixed-rate and variable-rate mortgages. It’s complicated. Most people have no idea, but you have to start at...
by Allen Ehlert | April 15, 2026 | Mortgages
In Canada, fixed mortgage rates are primarily driven by the yields on Government of Canada bonds, particularly the 5-year bond. Variable mortgage rates are primarily driven by the Bank of Canada Overnight Rate, which impacts a lender’s prime rate. The prime rate...
by Allen Ehlert | April 15, 2026 | Lender, Mortgages, Personal Finance
… When It’s Time to Consider an Alternative Lender If you work in a commission-based profession, you already know that income doesn’t always arrive in neat, predictable paycheques. One month can feel like a windfall, and the next might feel a little quieter. That’s...
by Allen Ehlert | April 14, 2026 | Mortgages, Personal Finance
Did you know over 40% of Canadians use support payments in their mortgage applications? This fact shows how important support payments are for getting a mortgage. It’s key to know how these payments affect your mortgage chances and long-term finances. In Canada,...
by Allen Ehlert | April 12, 2026 | Uncategorized
The Required Gross Income for Mortgage Qualification Calculator is designed to answer one of the most important questions in real estate: “How much income do I need to qualify for the home I want?” Most clients start with: A purchase price A down payment A target...
by Allen Ehlert | April 12, 2026 | Uncategorized
The Prime Rate Impact Calculator is designed to help you understand how changes in the Bank of Canada’s interest rate—and specifically the Prime Rate—affect your mortgage. This tool is especially valuable if you are: Considering a variable-rate mortgage Deciding...
by Allen Ehlert | April 12, 2026 | Mortgage Terms
In Canada, a Letter of Credit (LOC) is a financial instrument issued by a bank or financial institution that guarantees a buyer’s payment to a seller will be received on time and for the correct amount. If the buyer is unable to make payment, the bank will cover...
by Allen Ehlert | April 12, 2026 | Uncategorized
In Canada, mortgage disclosure is not optional—it is regulated. Under provincial legislation such as the Mortgage Brokerages, Lenders and Administrators Act, 2006, regulators including the Financial Services Regulatory Authority of Ontario require that the cost of...
by Allen Ehlert | April 11, 2026 | Uncategorized
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. Unlike basic affordability tools, this calculator reflects how lenders in Canada...
by Allen Ehlert | April 11, 2026 | Uncategorized
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...
by Allen Ehlert | April 11, 2026 | Commercial, Investing, Mortgages, Personal Finance, Real Estate
… Use the BRRRR Analyzer and Stop Guessing 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...
by Allen Ehlert | April 10, 2026 | Mortgages, Real Estate
Your present home doesn’t meet your current needs, and now it’s time to move to your next home. Bridge financing is an important part of that transition. It allows you to have possession of both houses for a short time, so you can move painlessly, and set...
by Allen Ehlert | April 9, 2026 | Mortgages, Personal Finance
Picture yourself on a cool morning in Toronto, coffee in hand, looking at your mortgage renewal notice. The first rate seems higher than you thought. Yet, with a full schedule, you might just decide to go with it and move on. This feeling is becoming more common among...
by Allen Ehlert | April 9, 2026 | Uncategorized
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...
by Allen Ehlert | April 9, 2026 | Uncategorized
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)...
by Allen Ehlert | April 8, 2026 | Mortgages, Personal Finance
… How your credit card limit can kill your mortgage application You’ve done everything right. You pay your bills and your credit cards on time. You don’t miss payments. You might even pay them off every month. So when you start house hunting, it feels reasonable...
