by Allen Ehlert | September 9, 2025 | Mortgages, Personal Finance
“Every battle is won before it is ever fought…” Sun Tzu, The Art of War You’ve got a lot on your plate—family, work, keeping the house in one piece—and then a mortgage renewal letter shows up. At first glance, it feels like a gift: a quick signature and you’re done...
by Allen Ehlert | September 7, 2025 | Mortgage Terms, Mortgages, Personal Finance
… When Love Ends but the Mortgage Remains When a couple separates and one spouse wants to remain in the home, one of the most powerful financing tools available in Canada is the Spousal Buyout Mortgage. The Spousal Buyout Calculator helps separating homeowners...
by Allen Ehlert | September 7, 2025 | Mortgages, Personal Finance, Real Estate
Foreign buyers who have paid the 25% Non-Resident Speculation Tax (NRST) may be eligible for a full rebate if they meet specific residency, employment, or education requirements within a set period. The Ontario government provides these rebates to encourage long-term...
by Allen Ehlert | September 4, 2025 | Mortgages, Personal Finance
Divorce isn’t just emotional — it’s financial. And one of the biggest financial decisions many separating couples in Ontario face is this: “What happens to the house — and can one of us afford to stay?” Selling is an option, sure. But what if one person wants to keep...
by Allen Ehlert | September 3, 2025 | Mortgages, Personal Finance, Real Estate, Uncategorized
Divorce is never simple—but when real estate’s involved, things can get especially tangled. If you’re in the middle of a separation and you and your ex have decided to sell the home and go your separate ways, the big question becomes: “How do we actually make...
by Allen Ehlert | September 2, 2025 | Home Specifications, Insurance, Mortgage Terms, Mortgages, Personal Finance
Let me guess — you bought a home, told the lender you’d be living in it, and now life’s thrown you a curveball. Maybe you’re getting separated.Maybe you’ve been relocated for work.Maybe you just see an opportunity to turn your place into a rental. So...
by Allen Ehlert | September 2, 2025 | Mortgages, Personal Finance
…and What You Can Do About It Right now, there are people all across the country wondering about the future of their marriage and whether they should stay married. I am not in a position to give any sort of marriage counselling, but I can tell you about your financial...
by Allen Ehlert | September 1, 2025 | Mortgages, Personal Finance
It’s a question I hear more often than you might think:“We’re separating—what happens to the house?” Divorce is hard. Emotions run high, there’s a lot of paperwork, and suddenly, questions about money become front and centre—especially around the mortgage. Whether...
by Allen Ehlert | August 31, 2025 | Mortgages, Personal Finance
We’ve all been there. Life’s busy, the mortgage renewal letter shows up, and your lender makes it easy: sign here, no fuss, no digging through old files. And honestly? It feels like a relief to avoid the paperwork. But that simple renewal—tempting as it is—could be...
by Allen Ehlert | August 30, 2025 | Insurance, Lender, Mortgages, Personal Finance
As a licensed mortgage professional, I always aim to introduce clients not just to the best rates and lenders—but to holistic solutions that protect their financial future. One of the most overlooked tools in the mortgage journey is lender-provided creditor insurance....
by Allen Ehlert | August 29, 2025 | Mortgage Terms, Mortgages, Real Estate
Are you looking to buy a house with your partner or a friend? Getting a joint mortgage could be the solution you’ve been searching for. A joint mortgage allows multiple individuals to pool their financial resources to qualify for a mortgage, making it an ideal...
by Admin | August 29, 2025 | Mortgages, Personal Finance
.. Preparing for Hard Times in the Housing Market Life has its ups and downs, and so do economies. Just like the seasons change, so too do financial cycles—sometimes we’re basking in the sunshine of growth, and sometimes we’re caught in the storm clouds of a...
by Allen Ehlert | August 28, 2025 | Mortgage Terms, Mortgages, Personal Finance
Some Canadian lenders may consider foreign income when underwriting a mortgage, but there are strict guidelines and additional documentation requirements. Many will not. Whether a lender accepts foreign income and the limitations on accepting such depends on their...
by Allen Ehlert | August 27, 2025 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
The world of home improvement is filled with terminology that often gets misused. One of the most common sources of confusion? The difference between remodeling and renovating. While the terms are frequently used interchangeably, they represent distinct types of home...
by Allen Ehlert | August 26, 2025 | Mortgages, Personal Finance, Real Estate
A home’s value isn’t static—it fluctuates based on market conditions, neighbourhood trends, and, most notably, the condition of the property itself. Homeowners looking to boost their property’s appraised value often turn to renovations, but not all upgrades yield the...
