by Allen Ehlert | March 7, 2026 | Mortgages, Real Estate
An assumable mortgage is a financing option that allows an outstanding mortgage to be transferred from the current owner to a buyer. While assumable mortgages are not very common in Canada, most fixed-rate mortgages can be assumed, while variable-rate and home equity...
by Allen Ehlert | March 6, 2026 | Mortgages, Real Estate
Title insurance is a crucial safeguard for homeowners in Canada, providing protection against unforeseen property title issues and offering peace of mind. It covers risks related to a property’s ownership, including past events that could affect the...
by Allen Ehlert | March 5, 2026 | Personal Finance
Strategically using your credit card to build wealth can substantially enhance your financial security. Canadians aged 25-34 usually have about 2.9 credit cards each. While some say credit cards aren’t good, they can be great for wealth if used well. A study...
by Allen Ehlert | March 4, 2026 | Insurance, Mortgages, Real Estate
As a young couple, Sarah and Michael had been diligently saving for their first home. They were excited to take the plunge into homeownership, but when they met with me, they were surprised to learn about the requirement for mortgage default insurance. This was...
by Allen Ehlert | March 3, 2026 | Lender, Mortgages
… A Strategic Look at LendHub’s Quick Equity-Based Loans As an accountant or financial planner, you don’t get paid to react — you get paid to anticipate. You structure tax strategies, preserve capital, manage risk, and protect long-term wealth. But every now and...
by Allen Ehlert | March 2, 2026 | Mortgages
The general rule for individuals wanting to apply for a mortgage or real estate financing who are not Canadian is to provide the Canadian equivalent mortgage documents in their application. Foreign Buyer Restriction Presently, The Prohibition on the Purchase of...
by Allen Ehlert | March 1, 2026 | Mortgages, Personal Finance
Optimizing payment frequency for a fixed-rate mortgage can significantly impact the overall interest you pay and how quickly you pay off your mortgage. Here’s how to do it effectively: Understand Different Payment Frequencies Choose Accelerated Options Align...
by Allen Ehlert | February 28, 2026 | Mortgage Terms, Mortgages, Personal Finance
… Position, Priority, and the Power—and Peril—of Layered Debt Second mortgages sit in one of the most misunderstood corners of Canadian real estate finance. They’re powerful, flexible, and sometimes exactly the right tool. They’re also easy to misuse, easy to...
by Allen Ehlert | February 28, 2026 | Commercial, Investing, Mortgages, Personal Finance, Real Estate
The Rental Investment Analyzer is a comprehensive financial analysis tool for evaluating Canadian rental properties. It converts user inputs (market rent, expenses, financing, etc.) into professional metrics like NOI, DSCR, cap rate, cash-on-cash return, and...
by Allen Ehlert | February 27, 2026 | Lender, Mortgage Terms, Mortgages, Personal Finance, Real Estate
… The Underwriting “Truth Serum” That Can Turn a File Into an Approval NOTE: The audience for this article is financial professionals and some engaged realtors. However, the information is presented in a manner that anyone who is interested can understand. You’ve seen...
by Allen Ehlert | February 26, 2026 | Mortgages, Personal Finance, Real Estate
… How Your Basement Can Transform Your Financial Life There’s a moment most homeowners miss. It’s usually when they’re staring at a floor plan, a renovation quote, or an unfinished basement and thinking, “This would be nice… but is it worth it?”What they don’t realize...
by Allen Ehlert | February 25, 2026 | Mortgages, Personal Finance
When applying for a self-employed mortgage in Canada, the way your income is considered can vary. There are three different methods: traditional income confirmation, non-traditional income confirmation, and stated income. Let me tell you a story to illustrate the...
by Allen Ehlert | February 24, 2026 | Economy, Mortgages, Personal Finance
…What You Need to Know Did you know that the current prime rate in Canada is 6.45%? The prime rate is a key benchmark used by Canadian banks to price many variable-interest financial products, including variable-rate mortgages, lines of credit, and certain...
by Allen Ehlert | February 23, 2026 | Mortgages, Personal Finance
When my clients purchased their dream home, they were faced with a daunting decision – choosing the right mortgage. The countless options, unfamiliar terms, and the weight of long-term financial commitment overwhelmed them. They needed guidance to develop their...
by Allen Ehlert | February 21, 2026 | Mortgages, Personal Finance
… How Your Credit Limits Quietly Shrink Your Mortgage Approval Most people think credit cards only matter if you’re carrying a balance. You owe money, you pay it down, problem solved — right? Not quite. In Canadian mortgage underwriting, how much credit you have...
by Allen Ehlert | February 20, 2026 | Commercial, Home Specifications, Real Estate
… The Invisible Home Risk That Can Change a Family’s Life You can’t see it, you can’t smell it, and you can’t “DIY-detect” it with your instincts. Yet radon can be sitting in the one place Canadians are supposed to feel safest: at home. As a mortgage agent and a...
by Allen Ehlert | February 19, 2026 | Lender, Mortgage Terms, Mortgages, Personal Finance, Real Estate, Realtor
… Where Deals Are Won, Lost, or Quietly Saved Buying a home isn’t just about price — it’s about timing, certainty, and risk management. And nowhere is that more obvious than when you’re staring down a condition of financing. On paper, it sounds simple: get a mortgage...
by Allen Ehlert | February 17, 2026 | Mortgage Terms, Mortgages, Personal Finance
… The Cost of Waiting is Rising! Homeowners approaching renewal and their advisors are facing a rare alignment of factors: lenders are aggressively competing for business, and regulations are loosening, making it one of the best times in years to shop around....
by Allen Ehlert | February 16, 2026 | Mortgage Terms, Mortgages
…The Quiet Power Behind Your Mortgage Most people think the mortgage story begins and ends with the rate, the lender, and the payment. But once the ink dries and the funds are advanced, a quieter—but incredibly powerful—player steps onto the stage: the mortgage...
by Allen Ehlert | February 15, 2026 | Economy, Mortgages, Personal Finance
… The hidden threat to mortgage seekers Imagine this scenario: You call your bank to clarify your credit card statement because the bank failed to update it promptly. You’re worried about getting hit with a late fee or interest due to the bank’s error. Instead...
by Allen Ehlert | February 14, 2026 | Lender, Mortgage Terms, Mortgages, Personal Finance
… The Quiet Escape Hatch from a Collateral Mortgage Here’s an uncomfortable truth that comes up again and again in my practice: many homeowners have a collateral mortgage and don’t even know it. They didn’t choose it. They weren’t walked through the implications. They...
