Mortgage Blogs

Stay up to date with the recent industry news and mortgage trends.

How To Get Mortgage-Ready When You Are Self-Employed

Most lenders want two years of tax returns, NOAs, and bank statements to prove stable income. If paperwork is thin, alternative lenders may use deposits or contracts — at higher cost. With prep and th... ...more

Broker Blogs

October 01, 2025•4 min read

How Bond Yields and the Bank of Canada Shape Mortgage Rates

Mortgage rates follow bond yields and Bank of Canada policy. With the BoC rate at 2.75% and cuts likely later in 2026, fixed rates could ease toward 3.8%–4.2%, while variable rates may remain lower. B... ...more

Broker Blogs

September 15, 2025•3 min read

Still Waiting for 1% Mortgage Rates? Here's Why They’re Not Coming Back

Ultra-low mortgage rates are gone for good — 4–6% is the new normal. The key is planning ahead: secure pre-approvals, explore flexible mortgage options, and work with a broker to create a strategy tha... ...more

Broker Blogs

September 01, 2025•2 min read

Turning Family Support into a Loan: A Smart Down Payment Strategy

A family loan can help you buy a home sooner without needing a gifted down payment. With proper legal documentation, you can access funds from parents, reduce costs, and safeguard everyone’s finances ... ...more

Broker Blogs

August 15, 2025•4 min read

Think You Always Need a Home Appraisal? Sometimes.

Do You Really Need a Home Appraisal? Appraisals aren’t always required when buying or refinancing in Canada. If your down payment is under 20%, the insurer typically waives it. But with larger down pa... ...more

Broker Blogs

August 01, 2025•4 min read

How Mortgages Can Fuel Your Wealth in Ontario

Discover how to turn your mortgage into a powerful wealth-building tool in Ontario. Learn expert tax strategies, equity recycling tips, and the “buy, rent, repeat” method to grow your real estate port... ...more

Broker Blogs

July 15, 2025•3 min read

5 Questions to Ask Your Mortgage Broker or Lender in Ontario, Canada

Before signing any mortgage deal, make sure you’re asking the right questions. This guide covers the 5 most important things to discuss with your mortgage broker or lender—from mortgage types and APR ... ...more

Broker Blogs

June 30, 2025•3 min read

Changing Your Mortgage Type in Ontario: What Homeowners Need to Know

Thinking of switching your mortgage from fixed to variable or vice versa in Ontario? Learn key conditions, penalties, pros, and strategies to help you make a smarter, more informed decision for your f... ...more

Broker Blogs

June 15, 2025•4 min read

Should You Really Be Mortgage-Free in Retirement? Not Always.

Paying off your mortgage may feel like the safe move—but it’s not always the smartest. For Ontario homeowners, using home equity through refinancing, a reverse mortgage, or a HELOC could offer more fl... ...more

Broker Blogs

June 01, 2025•4 min read

Think You're Pre-Approved? Not If You Haven’t Done This

Too many homebuyers are misled by “pre-approvals” that aren’t backed by verified documents. In this eye-opening post, we break down the real risks of relying on conditional rate holds, share a real cl... ...more

Broker Blogs

May 15, 2025•3 min read

Are Variable Mortgage Rates Worth It in 2025?

In today’s uncertain economy, choosing between a fixed or variable mortgage in 2025 isn’t just about chasing the lowest rate—it’s about matching your strategy to your risk tolerance and financial goal... ...more

Broker Blogs

May 05, 2025•3 min read

2025 Mortgage Market Outlook: How Today’s Economy Is Shaping Opportunities

2025 Mortgage Market Outlook Mortgage rates may be higher, but so are the opportunities—if you know where to look. In this blog, we break down how today’s economic landscape is affecting renewals, pu... ...more

Broker Blogs

April 16, 2025•3 min read