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.
5 Questions To Ask Your Mortgage Broker 1. Important Questions To Ask A Mortgage Broker Buying a home or refinancing one is a significant milestone, but it can also be overwhelming, especially when navigating the mortgage process. A mortgage broker
What is the Bank of Canada Prime Rate? A Guide for Homeowners The Prime Lending Rate at the Bank of Canada The Bank of Canada Prime Rate is a crucial financial benchmark that influences a wide range of borrowing costs,
How to Get a Mortgage for Land in Ontario: A Deep Dive Insight On Land Financing in Ontario Purchasing land in Ontario can be an exciting opportunity for real estate investors, prospective landowners, and those interested in agricultural or rural
Selling Your Primary Home to Rent in Retirement: Is It the Right Move for Canadian Retirees? Introduction: Why Consider Selling Your Home for Retirement? As you approach retirement, your lifestyle and financial needs often change, prompting you to evaluate your
A Second Mortgage or HELOC: Which is Right for You? Introduction When Canadian homeowners find themselves needing additional funds—whether for home renovations, debt consolidation, or other financial needs—they often consider leveraging the equity in their homes. Two popular ways to
Best Loans to Help Consolidate High-Interest Debt in Canada Setting The Stage High-interest debt can be a heavy burden for many Canadian homeowners, affecting their financial stability and quality of life. Whether it’s credit card debt, personal loans, or lines
Top 3 Mortgage Renewal Mistakes To Avoid For Canadian homeowners, mortgage renewal is a significant financial milestone. It’s an opportunity to reassess your financial health, explore better deals, and make decisions that could save you thousands of dollars over the
Reverse Mortgage Myths In Canada Debunked Reverse mortgages are often misunderstood, especially among Canadian homeowners looking to access their home equity during retirement. These misconceptions can prevent people from considering reverse mortgages as a viable financial solution. In this article,
Mortgage Denied? 5 Ways Canadian Homeowners Can Still Secure Financing Mortgage denied? This is more common than most Canadian homeowners think. While receiving a rejection letter can feel discouraging, it doesn’t mean the dream of homeownership or refinancing is over.
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.