by Allen Ehlert | December 18, 2025 | Mortgage Terms, Mortgages, Personal Finance
… Factors That Make Mortgage Underwriting a Whole Lot More Complicated If you’ve ever applied for a mortgage and thought, “Why do they need so much paperwork?” or “Didn’t I already send that?”, you’re not alone. Mortgage underwriting — the process where lenders decide...
by Allen Ehlert | December 17, 2025 | Mortgage Terms, Mortgages, Personal Finance
…How to Avoid Getting Stuck in a Private Mortgage If you’re considering—or already sitting in—a private mortgage, you’ve likely heard the term “exit strategy” tossed around. Maybe your mortgage agent mentioned it. Maybe your lawyer flagged it. Maybe you nodded and...
by Allen Ehlert | December 15, 2025 | Mortgages, Personal Finance, Real Estate
…Navigating Property Division in Divorce: Understanding Marital Entitlements Death and divorce proceedings often entail complex legal matters, especially when it comes to the division of property acquired during the marriage. In Ontario, Canada, the Family Law...
by Allen Ehlert | December 14, 2025 | Mortgages, Personal Finance
In Canada, paying child and spousal support impacts the income on your T1 which has direct implications on your mortgage application. Let’s say Pat makes $100,000 a year and pays $2000 a month in child support payments and $2000 a month in spousal support...
by Allen Ehlert | December 13, 2025 | Mortgage Terms, Mortgages, Personal Finance
…how much can you borrow on a Private Mortgage If you’ve ever wondered, “How much can I actually borrow with a private mortgage?” you’re not alone. It’s one of the most common questions I hear, especially when someone is tight on cash flow or doing a big renovation...
by Allen Ehlert | December 12, 2025 | Mortgage Terms, Mortgages, Personal Finance
… How Falling Home Prices Might Finally Set People Free” You’ve probably heard the old saying: “Love may fade, but mortgages last forever.” It’s darkly funny — until you realize how true it’s become in today’s Canada. Over the past few years, home prices have...
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,...
