Mortgage Articles

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...

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…

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.

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.

Mortgage Refinancing in Ontario

Learn how mortgage refinancing works in Ontario, including equity limits, stress-test rules, penalties, costs, debt consolidation and qualification.

Mortgage Fraud