Refinancing a rural property Ontario
Refinancing a rural property in Ontario can involve extra lender review for acreage, wells, septic systems, road access, property use and appraisal.
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Canadian Rents Have Fallen for Two Years. Could That Affect Your Mortgage Approval?
Canadian asking rents have fallen for 24 months. Here is how lower rents can affect rental-income qualification, refinancing and investment-property mortgages.
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OSAP Funding Freeze: Could Going Back to School Affect Your Mortgage?
Ontario paused OSAP payments tied to private postsecondary institutions. Here is how student funding, employment changes and OSAP debt can affect mortgage qualification.
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$2 Billion from Ottawa in Heat Pump Rebates — How Can You Finance the Renovations?
Canada announced a new National Heat Pump Rebate. Here is what is known so far and how homeowners may finance renovation costs the rebate does not cover.
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Could Toronto’s next mayor affect what property you can afford to buy?
Toronto votes for mayor October 26. Here is how land transfer tax, property taxes, development charges and housing supply can affect home affordability and mortgage qualification.
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You Won the Lottery? Can You Get a Mortgage Now?
Won the lottery in Canada? Here is how winnings can affect your down payment, source-of-funds documentation, mortgage qualification, credit and high-net-worth options.
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Cryptocurrency and Mortgages in Canada
Can cryptocurrency be used for a mortgage in Canada? Here is how source-of-funds tracing, down payments, crypto income, stablecoins, FINTRAC and tax records can affect approval.
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High-Ratio Mortgages: What Happens When You Put Less Than 20% Down?
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
How Canada’s mortgage stress test uses GDS and TDS to determine how much mortgage you can qualify for.
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Credit Score & Debt Consolidation | Home Financing | Mortgage Qualifying | Mortgage Refinancing | My Situation Is Urgent
I Lost My Job. What Happens to My Mortgage?
Lost your job while carrying a mortgage? Learn when to contact your lender, what relief options may exist, and what refinancing can and cannot do.
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Private Lenders
Private mortgages can provide short-term financing when conventional options are unavailable. Learn how Ontario private lenders work, what they cost and why an exit plan matters.
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Mortgage Refinancing in Ontario
Learn how mortgage refinancing works in Ontario, including equity limits, stress-test rules, penalties, costs, debt consolidation and qualification.
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How to Stop Power of Sale in Ontario
How can you stop a Power of Sale? We walk you through the process and explain the details.
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Refinancing a Mortgage for Debt Consolidation
How can you consolidate debt with your mortgage? We answer all your questions.
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Long Term Investing
Long Term Investing
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Financial Advisor Careers
Curious about working as a Financial Advisor? John Lysack discusses what to consider for this…
