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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

The Ultimate Guide: 3 Powerful Levels of Mortgages Every Canadian Homeowner Should Know

Home Equity Loan Mortgage

The Ultimate Guide: 3 Powerful Levels of Mortgages Every Canadian Homeowner Should Know

The Ultimate Guide: 3 Powerful Levels of Mortgages Every Canadian Homeowner Should Know When it comes to securing financing for a home purchase, refinancing, or debt consolidation, not all mortgages are created equal. In Canada, borrowers typically navigate three levels...

September 11, 2025

Struggles of Renovation Mortgage Loans and Equity Access in 1. Rural Communities and 2. Small-Town Canada

HELOC Mortgage

Struggles of Renovation Mortgage Loans and Equity Access in 1. Rural Communities and 2. Small-Town Canada

Struggles of Renovation Mortgage Loans and Equity Access in 1. Rural Communities and 2. Small-Town Canada For many Canadians, owning a home in a rural community or small town offers peace, In rural and small-town Canada, accessing renovation mortgage loans...

September 9, 2025

Fall 2025 Refinance Outlook: What Canadian Homeowners Need to Know

Mortgage

Fall 2025 Refinance Outlook: What Canadian Homeowners Need to Know

Fall 2025 Refinance Outlook: What Canadian Homeowners Need to Know As Canadian homeowners head into the fall of 2025, one question is top of mind: Is now the right time to refinance? After years of rising interest rates and financial...

September 7, 2025

Mortgage

The Hidden Burden: The Psychological & Emotional Impact of Mortgage Stress in Canada

The Hidden Burden: The Psychological & Emotional Impact of Mortgage Stress in Canada For many Canadians, homeownership represents stability, security, and achievement. But when mortgage payments become overwhelming, that dream can quickly turn into a source of stress, anxiety, and...

September 5, 2025

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Recent Articles

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

The Ultimate Guide: 3 Powerful Levels of Mortgages Every Canadian Homeowner Should Know

Struggles of Renovation Mortgage Loans and Equity Access in 1. Rural Communities and 2. Small-Town Canada

Fall 2025 Refinance Outlook: What Canadian Homeowners Need to Know

The Hidden Burden: The Psychological & Emotional Impact of Mortgage Stress in Canada

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