Our Latest Articles

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  High-Ratio Mortgages: What Happens When You Put Less Than 20% Down?

  ByJason Wodlinger October 5, 2026

  What happens when you buy a home with less than 20% down? Here’s how high-ratio mortgages, mortgage insurance, down payments and insured rates work.

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  What Is the Mortgage Stress Test? GDS and TDS Explained

  ByJason Wodlinger October 5, 2026October 5, 2026

  How Canada’s mortgage stress test uses GDS and TDS to determine how much mortgage you can qualify for.

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  I Lost My Job. What Happens to My Mortgage?

  ByJason Wodlinger October 5, 2026October 5, 2026

  Recent layoffs at Stelco have put hundreds of Ontario workers in a position they may never have expected to face. You have a mortgage. You have always made your payments….

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  What Is Loan-to-Value (LTV) in a Mortgage?

  ByJason Wodlinger October 3, 2026

  How LTV affects how much you can borrow, your mortgage rate, and how lenders value your property.

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  Mortgage Challenges for Non-Canadians

  ByJason Wodlinger September 5, 2026September 5, 2026

  Challenges for Non-Canadians looking for a Mortgage in Canada

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  Bank of Canada rate announcement Sep 2-2026

  ByJason Wodlinger September 2, 2026September 2, 2026

  Bank of Canada Rate Announcement Sept-26 | What does this mean for your morggage

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