Mortgage guidance for homeowners across Canada, with in-depth coverage of Ontario lending.
The Canadian mortgage blog at LendToday.ca exists for one reason: to give homeowners clear, practical information about the mortgage situations that banks rarely explain well. Most mortgage content online is written for people with perfect credit, steady salaried income, and no complications. That describes very few of the homeowners who come to us.
Our articles are written for the other situations. Falling behind on payments. Receiving a notice of sale. Carrying property tax arrears or debt owed to Revenue Canada. Being self-employed and hearing no from a bank that could not read the income properly. Wanting to access built-up equity without refinancing an entire first mortgage. These are the topics we write about, because these are the calls we take.
We work with homeowners across Canada through a network of more than fifty lenders, and our brokerage is licensed in Ontario. A meaningful share of what we publish covers Ontario processes in detail, because power of sale, property tax sales, and land registration are provincial matters and the rules genuinely differ from one province to the next. Where an article covers something Ontario specific, we say so plainly rather than presenting it as a national rule.
The writing here comes from working mortgage professionals rather than from a content agency. Every article is written or reviewed by someone who arranges these mortgages, which is why the guidance tends to be more direct about tradeoffs, costs, and the situations where a particular product is the wrong answer.
If you are trying to understand a specific situation rather than browse, the section below routes you straight to the right place. If you would rather talk it through with a person, a consultation is free and comes with no obligation.
Looking for something specific? Search every article, or browse by topic below.
Six of the most common reasons homeowners reach out. Each one goes straight to a page that explains the options in full.
A notice of sale starts a clock. Understanding the redemption window and what stops the process is the first step to keeping the home.
Stop a power of sale →Arrears grow quickly once legal and interest costs are added. There are options at this stage that disappear later on.
Mortgage arrears help →Equity built up in a property can be accessed without disturbing a first mortgage you want to keep in place.
Home equity loans →A low score does not close every door. Equity-based lending weighs the property and the full financial picture, not just the number.
Bad credit mortgages →Business owners and commission earners are often declined because a bank cannot read the income correctly, not because it is insufficient.
Self-employed options →Unpaid property taxes and CRA debt can both put a home at risk. Home equity is often the route to bringing them current.
Tax arrears financing →Everything we have published most recently, newest first.
If your credit is less than perfect, you’re not alone—and it’s not the end of your homeownership journey. In fact, a bad credit mortgage in Canada opens doors that traditional banks may close. Whether you want to refinance your current
Ontario Commercial Mortgage Basics: How Financing Works If you’re planning to buy, refinance, or build an income-producing property in Ontario, understanding how Ontario commercial mortgages are underwritten will save you time, money, and stress. Unlike residential lending, commercial financing is
Can child and spousal support income really help you qualify for a mortgage in Canada? The short answer: yes, it can—but only if it’s well-documented, consistent, and legally enforceable. Many Canadians going through a divorce or separation rely on child
Property Tax Arrears in Ontario: Fast, Legal Ways to Stop Penalties—And Keep Your Home Why falling behind on property taxes is so dangerous (and what to do first) Missing a property tax bill isn’t just another late payment—it can trigger
Mortgage Stress Test in 2025: What Changed? Back in January 2018, the Canadian government introduced the mortgage stress test to ensure borrowers could still afford their homes even if interest rates rose in the future. In 2018, the qualifying rate
Refinancing a land loan in Ontario can open the door to lower interest rates, improved cash flow, or the funds needed to develop or repurpose your property. Unlike a traditional mortgage, a land loan is tied to raw or undeveloped
Getting approved for a mortgage in Ontario with poor credit can feel impossible — but it’s not. If you’ve been turned away by the bank, you still have options. Mortgage brokers specialize in connecting borrowers with bad credit home loans
Ontario Commercial Mortgage Trends 2025: Rates, LTVs, and Sector Shifts Every Borrower Should Know The 2025 backdrop: cheaper money, tighter underwriting Ontario’s commercial mortgage market is navigating a mixed but improving picture in 2025. The Bank of Canada’s policy rate
Seven Fast Credit-Score Wins Before Your Mortgage Application in Canada 2025 Getting mortgage-ready in Canada isn’t just about saving a down payment. Your credit score (300–900) and the story behind it—payment history, credit utilization, and recent inquiries—can make or break
Our most useful in-depth articles, grouped by the situation they solve. Start with these if you are new here.
The full process from notice of default through to sale, including redemption rights and the protections homeowners hold at each stage.
Nine routes homeowners use to pause, restructure, or replace a mortgage before losing the property or the equity built up in it.
What actually happens after a missed payment, why Ontario lenders use power of sale instead of foreclosure, and where the deadlines fall.
The timelines that follow a notice of sale, the costs that accumulate, and the practical steps that can reinstate a mortgage.
What a lender can and cannot do after a missed payment, and how far behind a homeowner usually is before anything formal begins.
Why a consumer proposal deals with unsecured debt rather than a mortgage, and what keeps a home out of the process.
Financing options during a proposal and after discharge, and how lenders read a proposal on a credit file over time.
A mortgage-free home is one of the strongest positions a lender can see. Here is how to borrow against it without giving up that position.
How a revolving line differs from a lump sum advance, the equity position lenders look for, and where alternative lenders fit.
How a lender holdback structures interest upfront, who this suits, and the tradeoffs to weigh before choosing it.
What lenders want to see from self-employed, contract, commission, and gig income, and why lender choice matters more here.
Two ways a mortgage gets registered against a property, and the costs and switching limits most borrowers are never told about.
Run the numbers or look up the terminology before you call. Everything here is free to use.
Reading only takes you so far. If you want an honest read on your own situation from someone who arranges these mortgages every day, book a consultation. It is free and comes with no obligation.
Book a Free ConsultationOr call 1-855-242-7732, toll-free across Canada.