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Second Mortgage Exit Strategy (Durham Region): Get Back to an A-Lender in 6–18 Months

Second Mortgage Exit Strategy (Durham Region): Get Back to an A-Lender in 6–18 Months If you own in Durham Region Oshawa, Whitby, Ajax, Pickering, Clarington, Uxbridge, Scugog, or Brock—and you’re in a second mortgage or private first, you’re not alone....

September 29, 2025

Mortgage

Skip a Mortgage Payment? Here’s What Canadian Homeowners Should Know

Life happens. Sometimes unexpected expenses, job changes, or financial challenges leave you wondering if you can skip a mortgage payment. In Canada, some lenders allow this through special features, but skipping a payment comes with important consequences. Your balance grows,...

September 26, 2025

Mortgage Co-Signer vs Guarantor in Canada: Expert Playbook to a Smarter Approval in 2025

Finance Mortgage

Mortgage Co-Signer vs Guarantor in Canada: Expert Playbook to a Smarter Approval in 2025

Mortgage Co-Signer vs Guarantor in Canada: Expert Playbook to a Smarter Approval in 2025 Canadian homeowners and buyers are leaning on help more than ever, especially first-timers, self-employed borrowers, and anyone rebuilding credit. Two common ways to strengthen an application...

September 24, 2025

7 Powerful Steps to Rent-to-Own Success: How to Qualify for a Mortgage and Exercise Your Option to Purchase

Finance

7 Powerful Steps to Rent-to-Own Success: How to Qualify for a Mortgage and Exercise Your Option to Purchase

7 Powerful Steps to Rent-to-Own Success: How to Qualify for a Mortgage and Exercise Your Option to Purchase Meta description (SEO): Learn how rent-to-own works in Canada, what to watch out for, and the exact steps to qualify for a...

September 22, 2025

Finance

Refinance Your Home Should be 1st Choice to Consolidate Debt: A Smarter Path Than Consumer Proposals or Bankruptcy

As a top-performing mortgage broker in Ontario, I speak with homeowners every day who feel buried by credit cards, lines of credit, CRA/tax debt, or overdue bills. Many think a consumer proposal or even bankruptcy is the only way out....

September 20, 2025

Using Equity Without Refinancing Safely Borrow in Canada: 3 Key Ways

Home Equity Loan

Using Equity Without Refinancing Safely Borrow in Canada: 3 Key Ways

Many Canadian homeowners wonder if they can access funds from their home value equity without refinancing and without the stress of breaking their mortgage. The short answer is yes, you can use equity without refinancing. Whether you’re planning renovations, covering...

September 18, 2025

Bank of Canada’s Important Decision: What a Sept 17th Rate Cut or Hold Could Mean for Mortgages & Housing

Finance HELOC Mortgage

Bank of Canada’s Important Decision: What a Sept 17th Rate Cut or Hold Could Mean for Mortgages & Housing

Bank of Canada’s Important Decision: What a Sept 17th Rate Cut or Hold Could Mean for Mortgages & Housing The Bank of Canada releases its next interest-rate decision on Wednesday, September 17, 2025 at 9:45 a.m. ET, followed by a...

September 16, 2025

Mortgage

Breaking a Fixed Mortgage in 2025: When Paying the Penalty in Ontario Actually Saves You Money

Breaking a Fixed Mortgage in 2025: When Paying the Penalty in Ontario Actually Saves You Money In 2025, it can be smart to break a fixed-rate mortgage in Ontario if the total savings from a lower rate over your remaining...

September 15, 2025

Mortgage

Ontario’s 2025 Mortgage Reset: Rate Cuts, 30-Year Insured Amortizations & What TRREB’s Latest Numbers Mean for Buyers and Renewals

Ontario’s 2025 Mortgage Reset: How Rate Cuts, 30-Year Insured Amortizations & a Cooler Market Affect Your Next Move Short version: Ontario’s housing market has more choice than it did at the peak, mortgage rates have eased from recent highs, and...

September 13, 2025

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LendToday.ca Blog

Recent Articles

Second Mortgage Exit Strategy (Durham Region): Get Back to an A-Lender in 6–18 Months

Skip a Mortgage Payment? Here’s What Canadian Homeowners Should Know

Mortgage Co-Signer vs Guarantor in Canada: Expert Playbook to a Smarter Approval in 2025

7 Powerful Steps to Rent-to-Own Success: How to Qualify for a Mortgage and Exercise Your Option to Purchase

Refinance Your Home Should be 1st Choice to Consolidate Debt: A Smarter Path Than Consumer Proposals or Bankruptcy

Using Equity Without Refinancing Safely Borrow in Canada: 3 Key Ways

Bank of Canada’s Important Decision: What a Sept 17th Rate Cut or Hold Could Mean for Mortgages & Housing

Breaking a Fixed Mortgage in 2025: When Paying the Penalty in Ontario Actually Saves You Money

Ontario’s 2025 Mortgage Reset: Rate Cuts, 30-Year Insured Amortizations & What TRREB’s Latest Numbers Mean for Buyers and Renewals

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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