by Allen Ehlert | April 17, 2026 | Economy, Mortgages, Personal Finance
The Bond Sector Consideration Premium accounts for sector-specific risks or other unique factors affecting particular bonds. For example, bonds from emerging markets might carry additional premiums for political and economic instability. The sector/special...
by Allen Ehlert | April 15, 2026 | Lender, Mortgages, Personal Finance
… When It’s Time to Consider an Alternative Lender If you work in a commission-based profession, you already know that income doesn’t always arrive in neat, predictable paycheques. One month can feel like a windfall, and the next might feel a little quieter. That’s...
by Allen Ehlert | April 14, 2026 | Mortgages, Personal Finance
Did you know over 40% of Canadians use support payments in their mortgage applications? This fact shows how important support payments are for getting a mortgage. It’s key to know how these payments affect your mortgage chances and long-term finances. In Canada,...
by Allen Ehlert | April 11, 2026 | Commercial, Investing, Mortgages, Personal Finance, Real Estate
… Use the BRRRR Analyzer and Stop Guessing BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat.It’s one of the most powerful real estate investing strategies available—but only when each step is executed with insight. The problem is, most people focus on the buy and...
by Allen Ehlert | April 9, 2026 | Mortgages, Personal Finance
Picture yourself on a cool morning in Toronto, coffee in hand, looking at your mortgage renewal notice. The first rate seems higher than you thought. Yet, with a full schedule, you might just decide to go with it and move on. This feeling is becoming more common among...
by Allen Ehlert | April 8, 2026 | Mortgages, Personal Finance
… How your credit card limit can kill your mortgage application You’ve done everything right. You pay your bills and your credit cards on time. You don’t miss payments. You might even pay them off every month. So when you start house hunting, it feels reasonable...
by Allen Ehlert | April 7, 2026 | Mortgage Terms, Mortgages, Personal Finance
… When One Mortgage Can Do the Work of Five: Debt consolidation isn’t about fixing a mistake—it’s about fixing structure. For many Canadians, debt builds quietly: a credit card used during a tight year, a car loan layered on top, maybe a line of credit that never...
by Allen Ehlert | April 6, 2026 | Mortgages, Personal Finance
… Get out from under those ridiculous interest charges Debt rarely shows up as one big bad decision. More often, it’s a slow buildup—credit cards used during a tight year, a car loan layered on top, maybe a line of credit that never quite goes back to zero. Before...
by Allen Ehlert | April 6, 2026 | Investing, Personal Finance, Uncategorized
When you’re evaluating a strategy like cash damming, the most important question isn’t how it works—it’s whether it actually makes sense for you The Canadian Cash Damming Calculator is a visual planning tool I built to help you estimate whether cash damming may be...
by Allen Ehlert | April 3, 2026 | Mortgage Terms, Mortgages, Personal Finance
… The Middle Ground That Often Gets Missed: Debt consolidation usually gets framed as an all-or-nothing move: either you refinance fully and take the penalty, or you wait until renewal and just “deal with it” in the meantime. But there’s a third path that often sits...
by Allen Ehlert | April 2, 2026 | Investing, Mortgages, Personal Finance
… A Sustainability Planner to Stress‑Test Your Retirement Plan You can look at a reverse mortgage and think, “Sweet—cash from my house, no payments, I stay put.” And honestly… that part is true. But here’s the twist: the real question isn’t whether you can get the...
by Allen Ehlert | April 2, 2026 | Commercial, Mortgage Terms, Mortgages, Personal Finance, Real Estate
… From Private to Alternative to Prime Life doesn’t always unfold in neat, predictable steps. Sometimes you get bruised credit after a divorce, sometimes your business income doesn’t show well on paper, and sometimes the bank just flat-out says “no.” That’s when the...
by Allen Ehlert | April 1, 2026 | Mortgages, Personal Finance
… Three Advanced Strategies That Get Your Mortgage Approved If you spend any time working with commission-based professionals—realtors, financial advisors, insurance specialists, sales executives—you’ve probably seen this frustrating scenario play out. The client...
by Allen Ehlert | April 1, 2026 | Mortgages, Personal Finance
… What Residential Mortgage Lenders Disallow Second Mortgagees When borrowers or even brokers ask: “Which lenders don’t allow second mortgages?” They’re asking the wrong question. Because in residential lending, the reality is this: It’s not just the lender—it’s the...
by Allen Ehlert | March 30, 2026 | Economy, Mortgages, Personal Finance
Did you know that the risk-free rate can change a lot? It can has been as low as 0.52% in recent times to as high as 15.84% back in the early 1980s. The risk-free rate concept is key in finance. It affects how we price different financial things, like bonds and...
