by Allen Ehlert | January 17, 2026 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… How to Calculate Property Transfer Tax Like a Pro Buying a home in Canada is a thrilling adventure — whether it’s a downtown condo, a family home in the suburbs, or a cabin near the lake. But between deposits, inspections, and closing paperwork, there’s one cost...
by Allen Ehlert | January 16, 2026 | Mortgages, Personal Finance, Real Estate
… Understanding Carrying Costs: The Unsung Hero of Smart Homebuying When most people think about buying a home, they focus on one number—the price tag. But seasoned buyers, realtors, and mortgage professionals know that the real story lies beneath the surface. The...
by Allen Ehlert | January 15, 2026 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… How to Use My Mortgage Default Insurance Calculator Like a Pro Buying a home in Canada can feel like stepping into a maze of numbers, acronyms, and fine print — but it doesn’t have to. Whether you’re a first-time buyer or a seasoned investor, understanding how...
by Allen Ehlert | January 14, 2026 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… Discover How Much It Costs to Close Your Home Purchase Buying a home is one of those life-changing moments that’s equal parts thrilling and nerve-wracking. Between scrolling listings, making offers, and imagining your first morning coffee in the new kitchen, it’s...
by Allen Ehlert | January 13, 2026 | Mortgages, Personal Finance, Real Estate
… From Foreign Buyer to Forever Home: How the Rebates Open Doors When you first arrive in Canada, buying a home feels like crossing the finish line of a marathon—only to realize there’s another race waiting at the starting line: understanding the taxes, rebates, and...
by Allen Ehlert | January 12, 2026 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… Why a Pre-Approval from Me Packs More Punch Than a Bank’s When you’re getting ready to buy a home, that pre-approval letter feels like a badge of honour — proof that you’re serious, qualified, and ready to make your move. But here’s what most buyers (and most...
by Allen Ehlert | January 10, 2026 | Mortgages, Personal Finance, Real Estate
… The Smarter Way to Start Your Homebuying Journey Most people start their homebuying adventure exactly backwards. They hop onto Realtor.ca, fall in love with a gorgeous kitchen, picture their dog in the backyard, and then—usually with a little dread—they think,...
by Allen Ehlert | January 6, 2026 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… The Mysterious rental purchase when the borrower doesn’t own their own home If you’ve ever felt like lenders were speaking a different language when they talk about “shelter costs,” you’re not alone. Clients often look at me like I’m explaining astrophysics when I...
by Allen Ehlert | January 5, 2026 | Mortgages, Real Estate
Urbanization trends significantly impact real estate prices due to a variety of interconnected factors: Increased Demand in Urban Areas Limited Supply in Dense Areas Changing Lifestyles and Preferences Infrastructure and Amenities Economic Opportunities Investment...
by Allen Ehlert | January 3, 2026 | Mortgages, Personal Finance, Real Estate
Imagine the sun gently kissing your skin as you sit on the porch of your family cottage, surrounded by the laughter and chatter of loved ones. For generations, this cozy retreat has been the backdrop for cherished memories and treasured traditions. But as time passes,...
by Allen Ehlert | January 2, 2026 | Mortgages, Personal Finance, Real Estate
You’ve finally decided—it’s time to buy a home. Maybe you’ve been scrolling through Realtor.ca late at night, dreaming about that perfect place with the big backyard or a condo downtown near your favourite coffee shop. It’s exciting, no doubt. But before you call your...
by Allen Ehlert | December 24, 2025 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… How to Know Exactly What You’ll Need on Closing Day Picture this: you’ve saved your down payment, found the perfect home, and negotiated an offer. You’re riding high—until someone says, “Don’t forget about closing costs.” Suddenly, you’re left wondering, “Wait… how...
by Allen Ehlert | December 22, 2025 | Mortgage Terms, Mortgages, Personal Finance, Real Estate
… It’s not only about what you can buy, but how much you should buy. Buying a home is exciting—no doubt about it. But let’s be honest: it’s also one of the biggest financial decisions you’ll ever make. The million-dollar (well, sometimes literally) question is, “How...
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 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...
