by Allen Ehlert | March 27, 2026 | Uncategorized
BRRR Analyzer – Built for Serious Real Estate Investors 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...
by Allen Ehlert | March 26, 2026 | Mortgage Terms, Mortgages, Personal Finance
…How I Use the Hidden Power of Mortgage Exceptions to Get You a Better Deal If you spend any time around mortgages in Canada, you’ll hear a lot about guidelines, ratios, and rules. But here’s the reality that rarely gets explained outside underwriting departments:...
by Allen Ehlert | March 25, 2026 | Mortgages, Personal Finance
… The 5 Costly Mistakes That Get Strong Borrowers Declined Commission income is one of the most misunderstood types of income in Canadian mortgage underwriting. If you work with realtors, financial advisors, insurance professionals, or sales executives, you already...
by Allen Ehlert | March 24, 2026 | Insurance, Mortgages
Your home may be your greatest asset, but at the end of the day, the most important thing in life is family. With the rise of illness, household debt at an all-time high, and Canadians carrying bigger mortgages, financial protection is more important today than ever....
by Allen Ehlert | March 22, 2026 | Mortgages, Personal Finance
Imagine walking into a pile of bills at home after a tiring day. You see credit card payments and loan installments, all with high interest rates. It feels like you’re running on a treadmill, working hard but getting nowhere. This is a reality for many Canadians...
by Allen Ehlert | March 21, 2026 | Mortgages, Personal Finance
The Bond Taxability Premium accounts for the tax status of the bond. Bonds subject to higher taxes (e.g., corporate bonds) might offer higher yields compared to tax-exempt bonds (e.g., municipal bonds). However, in Canada, municipal bonds are not tax-exempt (like, why...
by Allen Ehlert | March 20, 2026 | Personal Finance, Real Estate
Canadians’ household net worth rises, boosted by equity and housing markets. Despite the current economic challenges, Canadian households were wealthier in the first quarter, seeing their net worth rising by a total of $548.2 billion, or +3.3%, to $16.9 trillion. That...
by Allen Ehlert | March 19, 2026 | Mortgages, Personal Finance
The Bond Call (Prepayment) Premium compensates investors for the risk that the issuer might repay the bond before its maturity date (calling the bond), which can happen when interest rates fall. Callable bonds generally offer higher yields to offset this risk....
by Allen Ehlert | March 18, 2026 | Economy, Mortgages, Personal Finance
The bond inflation premium compensates investors for the expected loss of purchasing power due to inflation over the bond’s term. If inflation is expected to be higher, the inflation premium will be higher to ensure investors earn a real return. The inflation...
by Allen Ehlert | March 17, 2026 | Mortgages, Personal Finance
The Bond Maturity (Term) Premium compensates investors for the increased risk associated with longer-term bonds. The maturity premium accounts for the greater uncertainty and potential price volatility over a longer period. The maturity (term) premium is determined by...
by Allen Ehlert | March 16, 2026 | Mortgages, Personal Finance
… How to Keep the Home When Life Changes Divorce is never just an emotional transition—it’s a financial one too. And for many separating couples, the biggest question sitting in the middle of the table is the home. You may be wondering: Can I keep it? Do I have to...
by Allen Ehlert | March 16, 2026 | Mortgages, Personal Finance
A bond yield (or the interest rate of a mortgage based on that bond) is composed of the risk-free rate plus several premiums that, when added together, compensate investors or lenders for various risks and factors associated with holding the bond (or mortgage). When...
by Allen Ehlert | March 15, 2026 | Mortgages, Personal Finance
When a separating homeowner cannot qualify for a mortgage assumption, divorce refinance, or a spousal buyout mortgage, the next step often involves alternative lending. The Divorce Alternative Calculator is designed to help you understand what this scenario might look...
by Allen Ehlert | March 15, 2026 | Mortgages, Personal Finance
When a relationship ends and one spouse wants to remain in the home, a divorce refinance is often one of the first financial solutions explored. The Divorce Refinance Calculator is designed to help you understand what that might look like financially before speaking...
by Allen Ehlert | March 14, 2026 | Economy, Mortgages
The Common Equity Tier 1 (CET1) ratio is a crucial metric used to assess the financial strength and stability of a bank, particularly its ability to withstand financial stress and economic downturns. It measures a bank’s core equity capital compared with its...
by Allen Ehlert | March 13, 2026 | Mortgages, Personal Finance, Real Estate
There are many articles in newspapers, on the web, on social media, etc. arguing that renting is good and that you’ll be OK if you don’t own the roof over your head. In my opinion, these articles pander to people who are suffering during this housing crisis. To get...
by Allen Ehlert | March 12, 2026 | Mortgages, Personal Finance
When applying for a mortgage, to put the applicant in the best light with a lender to get the best rate possible, the question arises, “Can you gross up T4 and dividend income from a corporation?” In Canada, when completing a mortgage application for a...
by Allen Ehlert | March 11, 2026 | Mortgages, Real Estate
Imagine you’re on your dream home’s doorstep, searching for keys in excitement. Many Canadians wish for this but think it’s too hard to get. In Ottawa, a house costs about $700,000. To afford this, you need a yearly income of over $170,000. Saving...
by Allen Ehlert | March 10, 2026 | Economy, Mortgages, Personal Finance, Real Estate
Did you know real estate makes over 75% of Canadian’s wealth? This shows how important Canadian real estate is for growing wealth. As the value of homes goes up, people’s wealth grows too. Real estate not only helps individuals but also boosts the wealth...
by Allen Ehlert | March 9, 2026 | Personal Finance, Real Estate
The latest data from 2025 shows that the wealth gap in Canada is bigger than ever. This is the largest jump in the wealth gap since 2015. The main cause has been the rising interest rates. These rates have hit different types of families hard. From July 2022 to July...
by Allen Ehlert | March 8, 2026 | Mortgages, Personal Finance
Did you know that you can claim certain carrying charges and interest paid to earn income from investments as deductions on your taxes in Canada? This little-known tax strategy can make a significant impact on your bottom line, allowing you to reduce your tax...
