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...
by Allen Ehlert | March 14, 2026 | Economy, Mortgages
The Common Equity Tier 1 (CET1) ratio is a crucial metric used to assess the financial strength and stability of a bank, particularly its ability to withstand financial stress and economic downturns. It measures a bank’s core equity capital compared with its...
by Allen Ehlert | March 13, 2026 | Mortgages, Personal Finance, Real Estate
There are many articles in newspapers, on the web, on social media, etc. arguing that renting is good and that you’ll be OK if you don’t own the roof over your head. In my opinion, these articles pander to people who are suffering during this housing crisis. To get...
by Allen Ehlert | March 12, 2026 | Mortgages, Personal Finance
When applying for a mortgage, to put the applicant in the best light with a lender to get the best rate possible, the question arises, “Can you gross up T4 and dividend income from a corporation?” In Canada, when completing a mortgage application for a...
by Allen Ehlert | March 11, 2026 | Mortgages, Real Estate
Imagine you’re on your dream home’s doorstep, searching for keys in excitement. Many Canadians wish for this but think it’s too hard to get. In Ottawa, a house costs about $700,000. To afford this, you need a yearly income of over $170,000. Saving...
by Allen Ehlert | March 10, 2026 | Economy, Mortgages, Personal Finance, Real Estate
Did you know real estate makes over 75% of Canadian’s wealth? This shows how important Canadian real estate is for growing wealth. As the value of homes goes up, people’s wealth grows too. Real estate not only helps individuals but also boosts the wealth...
by Allen Ehlert | March 8, 2026 | Mortgages, Personal Finance
Did you know that you can claim certain carrying charges and interest paid to earn income from investments as deductions on your taxes in Canada? This little-known tax strategy can make a significant impact on your bottom line, allowing you to reduce your tax...
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 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...
