Articles
Understanding Bank Posted Rates
Understanding Bank Posted Rates. You can’t calculate your bank’s mortgage penalty without knowing your bank’s posted rates.
Breaking Your Mortgage: Canada vs United States
Discover the big difference between the costs Canadians pay to refinance their homes compared to the costs paid by Americans and why such a big difference.
Is Fixed or Variable Best for You?
Discover the differences between a fixed rate mortgage and a variable rate mortgage, when one is better than the other, and which is right for you.
PMB Professional Mortgage Brokers
PMB Professional Mortgage Brokers: The Small Eastern Ontario Mortgage Investment Entity with the big heart.
Difference Between Variable Rate and Adjustable Rate Mortgages
Discover the differences between an adjustable and a variable rate mortgage. Who is which type of mortgage best for and is one of these best for you.
Applying with Disability Income
Learn about the difference between taxable and non-taxable disability income and the impact each can have on your mortgage application.
Understanding Bond Sector Consideration Premium
Learn how The Bond Sector Consideration Premium accounts for sector-specific risks or other unique factors affecting particular bonds.
Fixed vs Variable: Doing the Math
To really know if a fixed-rate or a variable-rate mortgage is best you have to do the math and know the unknown gotchas. Discover how to determine which mortgage is right for you!
How Are Mortgages Priced?
Learn how mortgages are priced by lenders and see how complex these financial instruments are.
Commission Income and Alt Lending
The real question is when a commission income borrower should consider an alternative lender instead of trying to force a file into prime lending guidelines that simply don’t fit the situation.
Mortgages: Including Support Payments to Income
Understand how support payments can be factored into your mortgage affordability in Canada with our expert guidance.
Required Gross Income Calculator User Guide
The Required Gross Income Calculator answer the question, “How much income do I need to qualify for the home I want?”
Prime Rate Impact Calculator User Guide
The Prime Rate Impact Calculator is desiged to help you understand how changes in the Bank of Canada Prime Rate impact your mortgage.
Mortgage Term: Letter of Credit
Discover how a Letter of Credit issued by a bank or financial institution guarantees payment and secures a purchase.
Canadian Cost of Borrowing APR Mortgage Calculator User Guide
Canadian Cost of Borrowing APR Mortgage Calculator User Guide enables you to see your true cost of borrowing.
Multi-Borrower Pre-Approval Calculator User Guide
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.
Multi-Family Member Home Purchase Calculator User Guide
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...
Buy, Reno, Rent, Refinance, and Repeat
BRRRR Analyzer: 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 the rent… and gloss over the refinance, which is where the entire strategy either succeeds or collapses.
Don’t Move Without Bridge Financing
Considering a move? Bridge financing can help you buy your dream home before selling your current property. Learn how to secure this short-term loan in Canada.
Do Better At Mortgage Renewal
Unlock better terms on your Mortgage Renewal in Canada. Explore top rates and savvy renewal options to secure your financial future.
Move Up / Down Calculator User Guide
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 you can see exactly where you stand.
Home Buyer Savings Strategy Optimizer User Guide
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)...
Credit Card Limit Carnage
Credit Card Limit Carnage: How good credit can kill your mortgage application.
Home Ownership Timeline Calculator User Guide
The Home Ownership Timeline Calculator User Guide walks you through every section of the Home Ownership Timeline Calculator — what to enter, what the results mean, and how to get the most out of the tool. Whether you’re just starting to save or getting close to your goal, this calculator helps you turn uncertainty into a clear, actionable timeline.
Switching Lenders Mid-Term to Consolidate Debt
Switching Lenders Mid-Term to Consolidate Debt: Switching lenders mid-term to consolidate debt is one of the most misunderstood strategies in Canadian mortgage planning. In many cases, switching lenders mid-term isn’t the flashy option—it’s the necessary one.
Refinancing to Consolidate Debt
Refinance to Consolidate Debt: Debt rarely shows up as one big bad decision. More often, it’s a slow buildup—credit cards used during a tight year, a car loan layered on top, maybe a line of credit that never quite goes back to zero. Before long, a noticeable chunk of your monthly income is going toward interest, not progress.
Canadian Cash Damming Calculator User Guide
The Canadian Cash Damming Calculator is a visual planning tool built to help you estimate if cash damming may be worthwhile based on your mortgage, HELOC, deductible expenses, tax rate, and professional costs.
Meet Maple Financial
Meet Maple Financial: Deliberately trying to make alternative lending feel more predictable and consistent.
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.
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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