by Allen Ehlert | January 22, 2026 | Economy, Lender, Mortgage Terms, Mortgages, Personal Finance
… Why Private Lending Is Becoming the Backbone of Canada’s Mortgage Market If you’re a homeowner, buyer, realtor, or financial professional, you’ve probably felt it already. Deals are more complex. Financing conversations are happening earlier. And outcomes that used...
by Allen Ehlert | January 21, 2026 | Commercial, Mortgage Terms, Mortgages, Personal Finance
…How to See the Real Cost of a Mortgage Annual Percentage Rate (APR) is one of those mortgage concepts that everyone’s heard of but few people truly understand. Most borrowers focus on the interest rate because it’s simple, familiar, and easy to compare. But APR — the...
by Allen Ehlert | January 20, 2026 | Commercial, Mortgage Terms, Mortgages, Personal Finance
…APR: The Number That Exposes the Real Cost of Your Mortgage If you’ve ever shopped for a mortgage, you’ve probably been hit with a shiny interest rate that sounds great—almost too great. And here’s the uncomfortable truth: sometimes it is. The interest rate is only...
by Allen Ehlert | January 20, 2026 | Mortgage Terms, Mortgages, Personal Finance
… Inside the Black Box of Mortgage Lending and Real Estate Finance Most Canadians think mortgages are simple. You walk into a bank, talk to someone behind a desk, sign some papers, and that’s that. Clean. Simple. Straightforward. That’s so yesterday! But the truth—one...
by Allen Ehlert | January 19, 2026 | Mortgage Terms, Mortgages, Personal Finance
… Use my Primate Rate Change Calculator and KNOW! If you’ve ever watched the news, heard “rates are moving,” and felt your stomach drop a little—yeah, you’re not alone. Most Canadians don’t actually need more opinions about interest rates. They need clarity....
by Allen Ehlert | January 19, 2026 | Mortgage Terms, Mortgages, Personal Finance
…. Your Advocate, Not a Salesperson, and Why It Matters My world of real estate finance is like a black box to most people, including financial professionals like bankers, lawyers, accountants, and financial planners. Sure, they might have some high-level exposure and...
by Allen Ehlert | January 18, 2026 | Mortgage Terms, Mortgages, Personal Finance
… Riding the Wave: The 10 Big Benefits of Choosing a Variable-Rate Mortgage If you’ve ever surfed—or even watched someone surf—you know it’s all about balance. You don’t fight the wave; you ride it. That’s exactly what it feels like to hold a variable-rate mortgage....
by Allen Ehlert | January 17, 2026 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… How to Calculate Property Transfer Tax Like a Pro Buying a home in Canada is a thrilling adventure — whether it’s a downtown condo, a family home in the suburbs, or a cabin near the lake. But between deposits, inspections, and closing paperwork, there’s one cost...
by Allen Ehlert | January 15, 2026 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… How to Use My Mortgage Default Insurance Calculator Like a Pro Buying a home in Canada can feel like stepping into a maze of numbers, acronyms, and fine print — but it doesn’t have to. Whether you’re a first-time buyer or a seasoned investor, understanding how...
by Allen Ehlert | January 14, 2026 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… Discover How Much It Costs to Close Your Home Purchase Buying a home is one of those life-changing moments that’s equal parts thrilling and nerve-wracking. Between scrolling listings, making offers, and imagining your first morning coffee in the new kitchen, it’s...
by Allen Ehlert | January 13, 2026 | Mortgage Terms, Mortgages, Personal Finance
When most people think about the cost of a mortgage, their mind goes straight to the interest rate. That’s natural—but it’s incomplete. There’s another category of costs that often shows up only at the very end of a transaction, when timelines are tight and decisions...
by Allen Ehlert | January 12, 2026 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… Why a Pre-Approval from Me Packs More Punch Than a Bank’s When you’re getting ready to buy a home, that pre-approval letter feels like a badge of honour — proof that you’re serious, qualified, and ready to make your move. But here’s what most buyers (and most...
by Allen Ehlert | January 8, 2026 | Mortgage Terms, Mortgages, Personal Finance
… Here’s the Truth Nobody Tells You Buying a home, especially your first home is one of those big, life-defining moments. You and your partner have been budgeting, working with your mortgage agent, hunting down listings, talking to realtors, and imagining what that...
by Allen Ehlert | January 7, 2026 | Mortgage Terms, Mortgages, Personal Finance
… The Secret Income Boost Hiding in Plain Sight Every once in a while, a mortgage file comes along that makes you smile—not because it’s easy, but because you know exactly what lever to pull to make the deal work. Contributory income is one of those levers. It’s the...
by Allen Ehlert | January 6, 2026 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… The Mysterious rental purchase when the borrower doesn’t own their own home If you’ve ever felt like lenders were speaking a different language when they talk about “shelter costs,” you’re not alone. Clients often look at me like I’m explaining astrophysics when I...
