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.
-
-
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.
-
How to Finance Home Renovations in Ontario
Explore refinancing, HELOCs, second mortgages and purchase-plus-improvements financing for Ontario home renovations.
-
Using Home Equity to Pay for Interior Design and Home Improvements
Explore Ontario mortgage refinancing, HELOCs and other ways to finance interior design and home improvements using home equity.
-
Canadian Rents Have Fallen for Two Years. Could That Affect Your Mortgage Approval?
Canadian asking rents have fallen for two years. Learn how lower rents could affect investment-property mortgage approval, refinancing and rental income qualification.
-
OSAP Funding Freeze: Could Going Back to School Affect Your Mortgage?
Ontario’s OSAP funding freeze raises questions about student debt, employment gaps, mortgage income and special programs for medical professionals.
-
$2 Billion from Ottawa in Heat Pump Rebates — How Can You Finance the Renovations?
Ottawa’s new heat pump rebates could help homeowners fund energy upgrades. Explore eligibility, Ontario incentives, refinancing, HELOCs and renovation mortgages.
-
A Plague in Russia? How Pandemics Have Changed Canadian Mortgages
COVID forced banks to prove they could function with the doors closed. Some emergency rules disappeared; the digital and operational changes did not.
-
Could Toronto’s next mayor affect what property you can afford to buy?
Toronto’s mayor cannot set mortgage rates, but City Hall can influence land transfer tax, property taxes, housing supply and other costs that affect what Toronto buyers can afford.
-
25-Year vs. 30-Year Mortgage Amortization
The difference between a 25-year and 30-year mortgage can cost you tens of thousands of…
-
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…
-
How Does Your Credit Score Affect Your Mortgage?
Your credit score can make or break your mortgage approval. Table of Contents How Lenders…
-
Could Mortgage Rules Change in Quebec Under the New Parti Québécois Government?
The Parti Québécois won the October 5, 2026 Québec election and is set to form…
-
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.
-
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.
-
I Lost My Job. What Happens to My Mortgage?
Recent layoffs at Stelco have put hundreds of Ontario workers in a position they may…
