by Allen Ehlert | September 22, 2025 | Mortgages, Personal Finance
A reverse mortgage is a timeless financial tool that can be useful for many seniors who own their home. While it may not be the first option that comes to mind, it can be a viable strategy for homeowners even though interest rates have risen. Many people’s first...
by Allen Ehlert | September 20, 2025 | Mortgages, Personal Finance
Reverse mortgages are an often misunderstood or overlooked financial tool. One critique is that a reverse mortgage may reduce the inheritance a senior can leave to their family, but that is not always the case. In fact, in some cases, a reverse mortgage may be a...
by Allen Ehlert | September 19, 2025 | Mortgages, Personal Finance
A few years ago, you purchased your home. At the time, you secured a mortgage that was suitable for your financial situation. However, as time goes on, things change, interest rates are not the same and your own financial situation is different; maybe better, maybe...
by Allen Ehlert | September 17, 2025 | Mortgages, Personal Finance
A reverse mortgage is offered to Canadians 55 years of age and older and is of particular interest to homeowners who want to access a portion of their home equity for a wide variety of reasons including to fund their retirement years, purchase a second home, cottage,...
by Allen Ehlert | September 14, 2025 | Mortgages, Personal Finance, Real Estate
…“Waived Financing? Now What? It’s one of the scariest “what if” scenarios in real estate: the buyer waives the financing condition, the deal goes firm, and then… BAM! The lender says, “Sorry, we can’t fund this anymore.” Suddenly, everyone’s scrambling—buyers,...
by Allen Ehlert | September 11, 2025 | Mortgage Terms, Mortgages, Personal Finance
… What They Really Mean — and How Not to Get Burned If you’ve ever been through the mortgage process, you’ve probably heard people throwing around words like pre-qualification, pre-approval, commitment, and funding like they’re all interchangeable. Spoiler alert:...
by Allen Ehlert | September 10, 2025 | Lender, Mortgages, Personal Finance, Real Estate
As a licensed mortgage agent committed to helping Canadians build long-term wealth through real estate, I make it a priority to introduce my clients to lenders who think beyond rigid formulas — lenders who understand the unique needs of rental property investors. One...
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...
