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Mortgage Rates · Politics & EconomyCanadian Dollar Falls to 18-Month Low. Could That Change Ontario Mortgage Rates?
The Canadian dollar fell below 71 U.S. cents as employment weakened. Could import costs and softer jobs pull Ontario mortgage-rate expectations in…
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Home Buying Strategies · Mortgage QualifyingBuying a More Expensive Home With Less Than 20% Down: Options and Risks
A smaller down payment can open more doors, but the larger mortgage behind those doors...
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Mortgage QualifyingOttawa Wants CRA to Catch Mortgage Income Fraud. What Could Change for Borrowers?
Ottawa proposes CRA income verification to help lenders detect mortgage fraud. Here's what it could change for Ontario borrowers.
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Mortgage Refinancing · Mortgage TermsOttawa Wants Clearer Mortgage Penalties. Will Ontario Homeowners Pay Less?
Budget 2026 proposes clearer mortgage prepayment-penalty information, not lower fees. See what Ontario homeowners should compare before selling, switching or refinancing.
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Mortgage Qualifying · Mortgage Rates47% of Canadians Used Savings to Pay Bills
A survey found 47% of Canadians used savings for everyday bills. Learn why mortgage renewal approval can still leave Ontario households short…
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Property Investing90% Insured Financing Planned for Apartments. Could a Sixplex Become Easier to Buy?
New federal mortgage-insurance parameters could expand financing options for eligible small apartment buildings, but an existing sixplex has an 85% LTV ceiling.
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Mortgage Rates · Politics & EconomyCanada’s economy stalls for a second month. So why raise rates on October 28?
Weak growth does not guarantee lower borrowing costs. What the inflation-versus-growth trade-off means for Ontario mortgage borrowers.
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Home Buying StrategiesCanada’s November 5th Federal Budget Proposes Housing Changes. Could They Make Buying More Affordable?
For homebuyers, the practical question is whether the measures reduce cash needed at closing, monthly...
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House Price & Sales Trends · Property InvestingOlivia Chow Wants 10,000 More Rental Homes. How Does This Affect the Condo Market?
Toronto’s rental incentives could affect condo investor decisions. Explore rental competition, mortgage qualification and rent-versus-buy costs.
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Mortgage Qualifying · Mortgage RefinancingPrivate Mortgage Arrears Are Rising in Greater Toronto and Hamilton Area
CMHC reports that 11.1% of GTHA mortgage investment entity balances were 90+ days overdue. What does this mean for private mortgages and…
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Politics & EconomyToronto’s Property Tax Relief Deadline Was November 2—But You May Still Have Options
Toronto's property tax and utility relief deadline ends November 2, but some late applications may be considered. Learn who to contact and…
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Mortgage Terms · Mortgage QualifyingWhat 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.
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