by Allen Ehlert | December 10, 2025 | Mortgages, Personal Finance, Real Estate
Divorce brings significant emotional and financial challenges, particularly when it comes to managing shared assets like a home. If you and your spouse share a mortgage, navigating the division of this responsibility is a crucial step in moving forward. While divorce...
by Allen Ehlert | December 9, 2025 | Mortgages, Personal Finance
You’re thinking about buying a home—or maybe refinancing the one you’ve got. Exciting stuff! But then that phrase pops up: “mortgage stress test.” Suddenly it feels less like house-hunting and more like prepping for a pop quiz. Don’t worry—you’re not alone. Most...
by Allen Ehlert | December 7, 2025 | Mortgages, Personal Finance
… Stretching every dollar to make your mortgage affordable for you Living in Canada has gotten downright expensive. Between the taxes that cost more than everything else put together, grocery bills that balloon every week, and the cost of housing that feels like it’s...
by Allen Ehlert | December 6, 2025 | Mortgage Terms, Mortgages, Personal Finance
…. Why They Matter More Than You Think If you’re a self-employed Canadian who runs your business through a corporation, chances are you’ve already heard about Articles of Incorporation. But when it comes time to apply for a mortgage, that’s often the point where...
by Allen Ehlert | December 5, 2025 | Mortgages, Personal Finance
… Cutting Through Canada’s Confusing Land Transfer Tax Regimes If you’ve ever bought real estate in Canada, you’ve probably run headfirst into the dreaded land transfer tax (LTT). It’s one of those costs that sneaks up on buyers and can quickly turn a dream deal into...
by Allen Ehlert | December 3, 2025 | Mortgage Terms, Mortgages, Personal Finance
… Don’t Get Blindsided by Mortgage Penalties Here’s the thing about mortgages: they look nice and tidy on paper, but the moment you want to change anything—refinance, renew early, sell before your term is up—you’ve technically “broken” your mortgage. And when you...
by Allen Ehlert | December 2, 2025 | Mortgages, Personal Finance
… Stop Feeding the Bank by using Allen Ehlert’s Ultimate Canadian Mortgage-Free Accelerator Calculator Let’s be honest—owning a home is amazing, but sometimes your mortgage feels less like an investment and more like a leash. Especially in the early years, when your...
by Allen Ehlert | December 1, 2025 | Mortgage Terms, Mortgages, Personal Finance
… Don’t Loose Money! You Can Do Better. Mortgage renewal season is here, and it’s bigger than ever. Across Canada, more mortgages are coming up for renewal than at any time in history. And while many folks just sign whatever their lender puts in front of them...
by Allen Ehlert | November 30, 2025 | Commercial, Home Specifications, Lender, Mortgage Terms, Mortgages, Personal Finance, Real Estate
…Appraisals Uncovered: What You Need to Know About Property Valuation Methods Whether you’re a realtor helping clients close deals faster, or you’re a homeowner trying to wrap your head around why some appraisals cost nothing and others come with a $700 bill attached,...
by Allen Ehlert | November 29, 2025 | Lender, Mortgage Terms, Mortgages, Personal Finance
…Just Getting Started? How New Doctors, Dentists & Medical Professionals Can Get a Mortgage Sooner Than You Think You’ve put in the years: university, med school, residency, sleepless nights, and long shifts. Now you’re finally launching your career as a medical...
by Allen Ehlert | November 28, 2025 | Mortgages, Personal Finance
What You Need to Know About Getting a Mortgage on Commission Income If you earn your living on commission — whether you’re a real estate agent, car salesperson, or any other commission-based professional — you already know that your income can feel like a bit of a...
by Allen Ehlert | November 27, 2025 | Mortgages, Personal Finance
…. Over the Everyday Homebuyer (and What You Can Do About It) Let’s face it—you’ve probably felt it yourself. You’re scrolling through property listings, crunching numbers on mortgage calculators, and wondering why it seems like the “big guys” always win. Investors...
by Allen Ehlert | November 24, 2025 | Economy, Mortgages, Personal Finance, Real Estate
… The Limits of Investor-Funded Mortgages When you think of mortgage lenders, you probably picture big banks or trust companies with vaults full of cash just waiting to hand out. But there’s another side of the mortgage world—one that relies heavily on investors to...
by Allen Ehlert | November 23, 2025 | Economy, Mortgages, Personal Finance
… What to Know About Carrying a Mortgage in Retirement There’s a common assumption floating around out there — maybe you’ve heard it. It goes something like this: “Once I retire, I shouldn’t have a mortgage.” Sure, in a perfect world, that’s a nice goal. But life...
by Allen Ehlert | November 21, 2025 | Economy, Lender, Mortgage Terms, Mortgages, Personal Finance, Real Estate
… Can I Still Buy a Home in Canada?” Yes — Here’s How. If you’re living in Canada on a work permit or study permit and wondering if homeownership is even on the table, I’ve got good news: yes, you absolutely can buy a home. You don’t have to wait until you’ve got your...
