by Allen Ehlert | June 3, 2025 | Lender, Mortgage Terms, Mortgages, Personal Finance
A Mortgage Planning Gem Let me tell you — if you’re a mortgage nerd like me (and I say that with love), then TD’s replacement policy is one of those golden tools that doesn’t get enough spotlight but can make a world of difference when you know how to use it....
by Allen Ehlert | May 31, 2025 | Mortgage Terms, Mortgages, Personal Finance
Comparing BMO Homeowner ReadiLine, Scotiabank STEP, and TD Equity FlexLine The Smith Maneuver is a popular financial strategy in Canada designed to convert non-deductible mortgage debt into tax-deductible investment debt, helping homeowners accelerate wealth creation...
by Allen Ehlert | May 29, 2025 | Personal Finance
Did you know 73% of Canadians have some debt? The average household debt is $1.77 for every dollar of disposable income. This shows the need for good debt relief in Canada. A debt management plan is a strong tool to help you manage your finances and work towards being...
by Allen Ehlert | May 28, 2025 | Lender, Mortgages, Personal Finance
How I Advocate for You: The Power of Submission Notes When you apply for a mortgage, especially if your situation is a little outside the box, it’s easy to feel like you’re just another number. Credit score, income, debts, down payment… it all goes into a...
by Allen Ehlert | May 27, 2025 | Mortgage Terms, Personal Finance
A Licensed Insolvency Trustee (LIT) is a federally licensed professional in Canada authorized to administer bankruptcies and consumer proposals under the Bankruptcy and Insolvency Act (BIA). Formerly known as bankruptcy trustees, LITs serve as impartial professionals...
by Allen Ehlert | May 24, 2025 | Mortgage Terms, Mortgages, Personal Finance
In Canada, a Notice of Assessment (NOA) is an official document issued by the Canada Revenue Agency (CRA) after processing an individual’s or corporation’s tax return. It summarizes the taxpayer’s income, tax liabilities, credits, and any amounts owed or refundable....
by Allen Ehlert | May 23, 2025 | Mortgages, Personal Finance, Real Estate
Imagine a man and a woman want to get a mortgage to buy a house. The man has a dry wall business where he doesn’t pay himself much to keep his income taxes down, and the woman is a full-time permanent dental hygienist. Should they apply for a mortgage under a...
by Allen Ehlert | May 19, 2025 | Economy, Mortgages, Personal Finance, Real Estate
You don’t need to be a real estate expert to feel it: house prices seem out of reach for the average family. But why? What’s keeping prices so high when affordability has clearly left the building? As someone who gets into roughly a hundred homes every month,...
by Allen Ehlert | May 17, 2025 | Economy, Mortgages, Personal Finance, Real Estate
Canada is no stranger to natural disasters. From wildfires in British Columbia to severe floods in Ontario and Quebec, extreme weather events are becoming more frequent and costly. Beyond their immediate devastation, these disasters also have long-term economic...
by Allen Ehlert | May 16, 2025 | Mortgages, Personal Finance, Real Estate
Canada is currently facing a significant housing shortfall, with a need for an additional 35 million housing units by the end of the decade. Affordable housing is a critical component of addressing this issue, and involving the private sector is essential. In this...
by Allen Ehlert | May 15, 2025 | Mortgages, Personal Finance
Mortgage financial planning is an integral part of a comprehensive financial strategy, ensuring that homeownership aligns with long-term wealth-building and financial security. By integrating mortgage decisions into six key phases of mortgage planning—I help borrowers...
by Allen Ehlert | May 15, 2025 | Lender, Mortgages, Personal Finance
As your trusted and professional mortgage agent, I am committed to ensuring that you have access to the full range of mortgage solutions available to you — not just the big banks you may already know. Sometimes, the right mortgage for your situation will involve...
by Allen Ehlert | May 14, 2025 | Personal Finance, Real Estate
Discover the lucrative world of real estate and infrastructure investments, where long-term contractual cash flows and natural dividend growth create fertile ground for financial success. In this artilce, I explore the benefits and opportunities that these sectors...
by Allen Ehlert | May 14, 2025 | Lender, Mortgages, Personal Finance
As your mortgage agent, one of my roles is to not only find you the right mortgage solution but also to introduce you to lending partners who align with your goals—even if they are names you may not be familiar with. One such lender is Magenta Capital, a highly...
by Allen Ehlert | May 13, 2025 | Mortgages, Personal Finance
Why Is it important to have a family doctor instead of just relying on a drop-in clinic? For many people, a mortgage is the biggest financial commitment they’ll ever make. But too often, borrowers treat it as a one-time transaction—secure a loan, sign the papers, and...
