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[...]