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Debt Consolidation vs. Consumer Proposal in Ontario: Here are 7 Helpful Facts

1) What These Options Actually Mean (Plain-English Overview) Debt consolidation means rolling multiple high-interest debts (credit cards, lines of credit, personal loans) into one new loan with a lower interest rate and a single monthly payment. If you own a...

November 13, 2025

9 Creative Ways to Use Home Equity in Canada

Finance Mortgage

9 Creative Ways to Use Home Equity in Canada

1) What Is Home Equity (and Why It Matters) Home equity is the difference between your property’s market value and the balance of any mortgages or liens secured against it. As you pay down your mortgage and/or your home value...

November 11, 2025

Mortgage

7 Helpful Ways to Get a Mortgage After a Consumer Proposal

If you’ve completed (or are completing) a consumer proposal and you’re wondering whether homeownership is still on the table—good news: you can absolutely qualify for a mortgage after a consumer proposal. The path is different, and the rules are tighter,...

November 7, 2025

Credit Rebuilding Playbook for Homeowners: 10 Tools to Better Your Score

Finance

Credit Rebuilding Playbook for Homeowners: 10 Tools to Better Your Score

Why Credit Rebuilding Is Different for Homeowners As a homeowner, you already have secured debt (your mortgage) and often have available equity. That opens strategies renters can’t access, like consolidating high-interest cards into a lower-rate mortgage refinance, HELOC, or second...

November 5, 2025

Wage Garnishment in Canada: How It Impacts Your Mortgage Payments

Finance

Wage Garnishment in Canada: How It Impacts Your Mortgage Payments

Wage garnishment in Canada happens when creditors or the Canada Revenue Agency (CRA) legally deduct money from your pay cheque to recover unpaid debts. For homeowners, this can make keeping up with mortgage payments harder and create serious financial strain....

November 3, 2025

A Helpful Guide on Steps to Take the Moment You Receive a Foreclosure Notice in Ontario

Foreclosure Mortgage

A Helpful Guide on Steps to Take the Moment You Receive a Foreclosure Notice in Ontario

A Helpful Guide on Steps to Take the Moment You Receive a Foreclosure Notice in Ontario First, Understand What You Received (In 20 Minutes or Less) In Ontario, most lenders use Power of Sale rather than full foreclosure. Your envelope...

October 30, 2025

Mortgage

Essential Advantages of Reverse Mortgages in Ontario and How They Work

What Is a Reverse Mortgage in Ontario? A reverse mortgage is a loan secured against your home that allows Ontario homeowners aged 55 or older to convert a portion of their home equity into cash, with no required monthly mortgage...

October 27, 2025

Mortgage

7 Ways Debt Could Impact Your Mortgage Renewal (and How to Fix It)

7 Ways Debt Could Impact Your Mortgage Renewal (and How to Fix It) Debt doesn’t have to derail your plans—but does having debt affect your mortgage renewal in Canada? The short answer is yes. From credit-card balances to car loans,...

October 25, 2025

Mortgage

2025 Ultimate Guide: Vendor Take-Back (VTB) Mortgages in Ontario 7 Smart Ways Buyers & Sellers Win

Vendor Take-Back Mortgages Ontario: 2025 Guide A Vendor Take-Back (VTB) mortgage is when the seller acts as the lender for part of the purchase price. In Ontario’s tight, rate-sensitive market, VTBs can bridge appraisal gaps, help buyers qualify, and help...

October 23, 2025

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LendToday.ca Blog

Recent Articles

Debt Consolidation vs. Consumer Proposal in Ontario: Here are 7 Helpful Facts

9 Creative Ways to Use Home Equity in Canada

7 Helpful Ways to Get a Mortgage After a Consumer Proposal

Credit Rebuilding Playbook for Homeowners: 10 Tools to Better Your Score

Wage Garnishment in Canada: How It Impacts Your Mortgage Payments

A Helpful Guide on Steps to Take the Moment You Receive a Foreclosure Notice in Ontario

Essential Advantages of Reverse Mortgages in Ontario and How They Work

7 Ways Debt Could Impact Your Mortgage Renewal (and How to Fix It)

2025 Ultimate Guide: Vendor Take-Back (VTB) Mortgages in Ontario 7 Smart Ways Buyers & Sellers Win

Rental Property Mortgages in Ontario: 8 Essential Facts About Down Payment, Rates, and Qualification

Collateral Charge vs Standard Charge Mortgage: 8 Hidden Costs Canadian Borrowers Need to Understand Before Signing

Getting a Mortgage With Non-Traditional Income: What Canadian Lenders Want to See

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