Mortgage Challenges for Non-Canadians
Challenges for Non-Canadians looking for a Mortgage in Canada
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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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Renovate, Sell or Downsize? The Mortgage Decisions That Matter
Renovate, move or downsize in Ontario? Compare mortgage penalties, home equity, financing options and transaction costs before deciding.
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Financing Basement Apartments, Garden Suites and Rental Renovations
Explore Ontario mortgage financing options for basement apartments, garden suites and rental renovations, including home equity, rental income and construction costs.
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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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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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25-Year vs. 30-Year Mortgage Amortization
The difference between a 25-year and 30-year mortgage can cost you tens of thousands of…
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How Does a Bank Analyze Your Income for a Mortgage?
You can earn a lot of money and still have a bank tell you that…
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How Does Your Credit Score Affect Your Mortgage?
Your credit score can make or break your mortgage approval. Table of Contents How Lenders…
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Could Mortgage Rules Change in Quebec Under the New Parti Québécois Government?
The incoming Parti Québécois government cannot rewrite every mortgage rule. Here is what remains federal and what Québec could actually change.
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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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What Is Loan-to-Value (LTV) in a Mortgage?
How LTV affects how much you can borrow, your mortgage rate, and how lenders value your property.
