by Allen Ehlert | March 28, 2026 | Economy, Mortgages, Personal Finance
This premium compensates investors for the risk that the bond issuer may default on its payments. Higher-risk issuers, such as corporations or lower-rated governments, must offer higher credit premiums. The credit (default) premium is determined by assessing the...
by Allen Ehlert | March 27, 2026 | Economy, Mortgages, Personal Finance
This 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 assessing the...
by Allen Ehlert | March 27, 2026 | Lender, Mortgages, Personal Finance, Real Estate
… The Comprehensive Pre-Approval Calculator for First-Time Homebuyers Most mortgage calculators out there are glorified guess machines. You punch in a few numbers, get a big shiny “you can afford $750,000,” and walk away feeling confident… until reality hits...
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 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...
