Mortgage Penalties This article is Part 6 of our Mortgage Life Cycle Costs series.  In our Mortgage Life Cycle Costs series, we warn you that an over-focus on interest rates [...]

Avoiding the Pitfalls: Choosing the Right Mortgage When it comes to selecting a mortgage, it's crucial to be aware of potential pitfalls that could have long-term financial consequences. Many buyers [...]

Getting Ready to Buy a Home in Ontario: A Mortgage Broker's Guide to Preparation Introduction Purchasing a home is one of life's most significant milestones, especially in Ontario, where the [...]

Mortgage Assumability This is the 16th article in our Mortgage Life Cycle Costs series. What do we mean by Mortgage Life Cycle Costs and why write so much about this [...]

Mortgage Portability This is the 15th article in our Mortgage Life Cycle Costs series. What do we mean by Mortgage Life Cycle Costs and why write so much about this [...]

Mortgage Pre-Payment Privileges This is the 14th article in our Mortgage Life Cycle Costs series. What do we mean by Mortgage Life Cycle Costs, and why have we written so [...]

Mortgage Terms and Conditions This is the 13th article in our Mortgage Life Cycle Costs series.    What do we mean by Mortgage Life Cycle Costs and why write so much [...]

Mortgage Advocacy and Support This is the 12th article in our Mortgage Life Cycle Costs series.    What do we mean by Mortgage Life Cycle Costs and why write so much [...]

Is your mortgage sticker price blinding you? What do I mean with "sticker price," and what is a mortgage's sticker price? Your mortgage's sticker price is what you see about [...]

Mortgage Payment Frequencies This is the 10th article in our Mortgage Life Cycle Costs series. Why write these Mortgage Life Cycle Costs articles?  We have seen many people suffer loss, [...]

Mortgage Amortization This is the 9th article in our Mortgage Life Cycle Costs series. As a reminder, Canada’s large banks are a saturated oligopoly.  Oligopolists are interdependent of each other [...]

Mortgage Term This is the 8th article in our Mortgage Life Cycle Costs series. As a reminder, Canadian banks are a saturated oligopoly.  Oligopolists are interdependent of each other and [...]

Mortgage Supporting Documents Once you are eligible for a mortgage and are finalizing your mortgage, it comes down to managing and fulfilling your mortgage conditions. Your mortgage conditions are represented [...]

Why a seller should insist on a condition of finance In a very active, fast-moving, competitive real estate market where property prices are rising at unprecedented levels, my clients ask [...]

Purchase Plus Improvements It has often been said that we live in homes that we don't really like, to fix them up three months before we sell them for the [...]

The Mortgage "Stress Test" What is the "Stress Test," how is it determined, is it a good thing, and how does it affect you? Inescapably, it will affect the applicant [...]

Mortgages for non-Canadians Canada has had an incredible real estate market for the last 20 years, and we are blessed to live in one of the most desirable countries in [...]

Pre-construction Mortgages This Article will cover mortgage financing for newly built, 100% completed properties purchased from a 3rd party builder/real estate developer. We commonly refer to these properties and their [...]

Construction Mortgages Building a custom home suited to your exact needs is most people’s dream. When house prices are high or even unaffordable, we start to look for ways to [...]

Getting Mortgage-Free Faster All of us dream of retiring at a reasonable age with sufficient savings, a paid off mortgage and no debt so that we can enjoy the fruits [...]