Housing affordability has dominated the Canadian conversation for years, and every now and then, the idea of a 40-year mortgage resurfaces as a possible solution. For some homeowners and aspiring buyers, the appeal is obvious. A longer amortization means a
Going through a separation or divorce is hard enough. Working out what happens to the family home, the mortgage, and the equity built up over years of shared payments can feel like adding a second crisis on top of the
If you own a home in Ontario and need access to funds, second mortgage solutions let you borrow against the equity you have already built. Whether you are dealing with bad credit, low income, self-employment, mortgage arrears, property tax arrears,
Getting your mortgage declined is one of the more disheartening moments in a financial journey. You filled out the paperwork, you waited for the answer, and the answer came back no. Whether it’s a purchase you were excited about, a
If you took out a private mortgage during a tough financial stretch, you probably already know it was never meant to be a forever solution. Private mortgages are designed as short term bridges, usually one or two years, intended to
What Is a Good Credit Score for a Mortgage in Canada? A 2026 Guide When you start thinking about buying a home or refinancing, one of the first questions that comes up is what kind of credit score you actually
How to Get Money From Your House: 7 Smart Options for Canadian Homeowners If you’ve owned your home for a few years, there’s a good chance you’re sitting on more wealth than you realize. Canadian home values have climbed steadily
A hard money lender BC is a private lender that funds based on property equity, not your credit score or income. If you are self employed, have bruised credit, low income, or need money fast, a hard money loan could
Most Canadian homeowners pay far more interest than they need to. If you want to pay off your mortgage faster, you have a few powerful tools available: switching to accelerated payment frequency, increasing your principal and interest payment, making annual
A construction mortgage in Ontario works differently from a typical home loan funds are released in stages as your build progresses, not in a single lump sum at closing. If you’re planning to build a custom home, tear down and
Published by LendToday.ca | Estimated read time: 7 minutes With interest rates sitting significantly higher than they were just a few years ago, Canadian buyers and sellers are looking at every possible tool to make real estate transactions work. One
Every mortgage in Canada falls into one of three categories: insured, uninsured, or insurable. Your category is determined by your down payment, purchase price, and the property itself. It affects your mortgage rate, your lender options, and how much you