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
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
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
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
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
If your credit is less than perfect, you’re not alone—and it’s not the end of your homeownership journey. In fact, a bad credit mortgage in Canada opens doors that traditional banks may close. Whether you want to refinance your current
Can child and spousal support income really help you qualify for a mortgage in Canada? The short answer: yes, it can—but only if it’s well-documented, consistent, and legally enforceable. Many Canadians going through a divorce or separation rely on child
Property Tax Arrears in Ontario: Fast, Legal Ways to Stop Penalties—And Keep Your Home Why falling behind on property taxes is so dangerous (and what to do first) Missing a property tax bill isn’t just another late payment—it can trigger
Mortgage Stress Test in 2025: What Changed? Back in January 2018, the Canadian government introduced the mortgage stress test to ensure borrowers could still afford their homes even if interest rates rose in the future. In 2018, the qualifying rate
Refinancing a land loan in Ontario can open the door to lower interest rates, improved cash flow, or the funds needed to develop or repurpose your property. Unlike a traditional mortgage, a land loan is tied to raw or undeveloped
Getting approved for a mortgage in Ontario with poor credit can feel impossible — but it’s not. If you’ve been turned away by the bank, you still have options. Mortgage brokers specialize in connecting borrowers with bad credit home loans
Seven Fast Credit-Score Wins Before Your Mortgage Application in Canada 2025 Getting mortgage-ready in Canada isn’t just about saving a down payment. Your credit score (300–900) and the story behind it—payment history, credit utilization, and recent inquiries—can make or break