Find answers to all mortgage questions you need.

68% odds of a rate drop in June, fixed or variable? …and what this means to our already limp dollar

Contemplating a switch from Vancouver to Calgary? Explore the latest in my blogcast, delving into the current landscapes of both cities and how today's housing policies are shaping them. Plus, I dissect the recent interest rat

Discover the truth about mortgage pre-approvals in Canada's competitive real estate market and learn how to secure a verified one.

From high-interest rates to escalating real estate markets, a deep dive look into the essential strategies and insights for first-time home buyers.

In Vancouver's competitive housing market, securing a mortgage for a single-family home is tough. But there's a secret weapon: leveraging the income from a basement suite. Discover how this strategy can help you qualify for your d

What if my first-time property grows up into a rental property? Can I be a first-time buyer twice?

Higher for longer, affordability initiatives, and demographic shifts.

Overlooking key details during the pre-approval stage can turn a promising start into a disappointing outcome.

Discover child-related mortgage qualification boosters designed to tackle the financial challenges associated with the broader expense load of families.

Interest rates, Vancouver/Toronto affordability, David Eby's zoning initiative, and the impact of the 2026 FIFA World Cup on Vancouver's real estate market.

Don't settle for conventional—uncover game-changing insights for an optimal qualification that will redefine your mortgage approval.

Discover the importance of selecting a local mortgage broker when purchasing property across provincial borders in Canada.

Unlock the secrets of mortgage pre-approvals and rate guarantees! Discover why your interest rate may not be as secure as it seems. Dive into rate hold policies, float-down options, and why choosing a savvy mortgage broker is your

Explore expert insights on real estate, mortgages, and life's rollercoaster ride. Learn to focus on what you can control—your thoughts, finances, and health—for resilience and positive change. Dive into the empowering Andex Chart,

Unpack the complexities of mortgage qualification for self-employed individuals by exploring the lesser-known qualification boosters that can elevate your mortgage eligibility. From understanding gross-up options to exploring stat

Mortgage qualification tips and Foreign Buyer Tax guidelines for couples with mixed immigration statuses looking to purchase a home in British Columbia.

Explore the intricacies of real estate and mortgage regulations for non-Canadian residents in Canada.

Differences between mortgage renewal and refinance, understanding the nuances, potential cost implications, and the strategic considerations involved.

Discover the intricacies of switching to another lender during renewal time. While there are fees involved, rest assured they don't apply to you! Explore the process and considerations for a smooth transition to a new bank.

Prioritizing the key mortgage conditions within a tight timeframe- down payment, employment and creditworthiness.

Discover the power of "addition by subtraction" in mortgage qualification. From shedding financial burdens to leveraging rental income creatively, explore how strategic decisions can significantly impact your qualification amount.

Explore LTV ratios, insurability, and property values that influence your rate. Are you eligible for these exceptional rates? Find out now

Exploring the historical date of prime rate in today's shifting financial landscape. Is now the right time for you to consider a variable rate mortgage?

Discover how Canada's bond market impacts your mortgage rates. Learn about rising yields and their implications to your mortgage decisions.

Explore the benefits of using a mortgage broker over a bank for rate holds, from access to multiple lenders to safeguarding your credit score.

Your Roadmap to Mortgage Renewal Success: Tips and Strategies

Tailored mortgage programs in Canada designed for dentists, veterinarians, and optometrists during their residency or fellowship.

Explore tailored mortgage programs in Canada designed for doctors in the midst of their residency or fellowship based on future income projections.

Discover if gifted funds can make homeownership a reality for work permit holders in Canada.

Discover how self-employed individuals in Canada can overcome low income and minimal down payment challenges to achieve their dream of homeownership.

Unveiling the Clarity: Work permit holders in Canada who secured property contracts before the Foreign Buyer ban can breathe easy.

Closing on a condo today that you purchased 2 years ago, move to Calgary and buy a bigger house - and start a family! Renewals, interest rates & much more!

Ensure your residential property meets the lender's eligibility criteria before applying for a loan.

Explore how mortgage refinancing can help Canadian business owners repay their CEBA loans before the approaching deadline. Learn more now!

Yesterday's Bank of Canada announcement has nothing to do with fixed rates...yet

Purchase a home for an immediate family member with a down payment as low as 5%

Prime Rate adjustments are made with precision by the Bank of Canada, but what about fixed rates?

Qualify for a mortgage in Canada with as little as 5% down payment...read on to learn more about the key qualification criteria.

According to recent data from Statistics Canada, migration from British Columbia to Alberta has reached a 20-year high.

You would think applicants with larger down payments would be rewarded with the best interest rates, but that is not the case.

Who would think that proving your source of funds for a mortgage down payment could be so tedious? Here are the reasons why.

Work permit, permanent residence, refugee...does the Foreign Buyer Tax apply to me?

Finding that last missing piece of the mortgage qualification puzzle within the business financials.

Where there's a will, there's a way.

Be proactive and explore your options sooner rather than reacting when it's too late.

What to do when your presale mortgage approval turns into a decline?

Income, Asset and Equity-based mortgage qualification solutions for pensioners and retirees

Mortgage renewal strategies...there are plenty of them!

Make your real estate work for you.

Who’s eligible to purchase, and who’s not.

All you need is a minimum income of $25,000

Variable, 5yr, 4yr, 3yr, 2yr, or 1yr fixed?

Permanent, casual, guaranteed or fluctuating?

It is possible to avoid payment shock if your new rate is over 5%?

2 year ban on non-Canadian real estate buyers coming January 1, 2023

Whether you're starting out, starting over, or ramping up, Calgary has options for all home buyer profiles.

There’s more to a rate hold than the actual rate itself

Cost of Borrowing vs Falling Home Prices

Perspective from a First Time Home Buyer, Newcomer to Canada, and a Baby Boomer.

What to do when you've reached your trigger rate and/or trigger point?

How to choose the renewal rate that's right for you

The complete guide for a new Canadian's journey to owning a home in Canada

A summary of the key qualification criteria and stumbling blocks of 2020

It happens. And when it does, here's how to pivot.

The 5 power points of purchasing an investment property with a mortgage.

Tips to achieve the lowest possible payment on your mortgage

Key mortgage eligibility requirements for Doctors in residency programs

Fast Facts about Temporary and Permanent Resident mortgage qualification

The down payment for a mortgage is often the most overlooked condition of the entire mortgage closing process, and at times the most misunderstood.

Workarounds for common credit hurdles when qualifying for a mortgage

Mortgage qualification tips when you move from one province to another

Understand what happens when you co-sign for a mortgage

An add-on feature that can be stapled on to most mortgages that enables you to immediate access of your home equity as you pay it down

Understand why T4's, T1 Generals and Notice of Assessments are required when qualifying for a mortgage.

Declined by your bank for a mortgage? Not to worry, there are more options.

Work Permit = Mortgage Approval

Stuff you gotta know when adding someone to your mortgage during a refinance

5.25%, the 80's, banks making a crap load of $$, and buying another home with 5% down

Tips on how to avoid a closing date collapse

There are various ways to create tax deductions from your mortgage.

...and utilize the equity as the source of down payment!

The ultimate mortgage qualification booster for applicants with substantial assets

Access your equity without the obligation of monthly payments

Lenders are surprisingly reasonable when it comes to employment probationary periods, but only in particular cases.

Home purchasing power likely to decrease

For business owners, 2020 has either been a record year, or one to forget

How to buy your parents house with a mortgage & gifted equity

Two years credit history and 5 year eligibility timeframe.

Regardless of my personal thoughts on the matter, here are some tips and checks to follow in the event you find yourself in this position.

Need a difference maker in your mortgage approval? Be sure to account for all of these lesser known sources of qualifying income.

The three most hated words for mortgage holders these days are Interest Rate Differential. Read on to learn more and how to possibly avoid being (massively) penalized by your mortgage.

Could this become the thing of the future?

Access up to $35,000 from your RRSP to purchase a home and take up to 15 years to pay it back.

The key distinguishing factors of fixed & variable mortgages and how to choose whats best for you.

The forgotten item in the mortgage and real estate process...8 Closing Costs to be aware of when closing out your purchase.

A summary of the main mortgage qualification criteria for construction draw mortgages

Follow these principles to get the highest possible mortgage amount with the best possible terms.

Whether you're looking to buy or sell a property, real estate assignments are worth looking into. Read on (or listen) to learn the key points of this unique pathway and understand the mortgage qualification guidelines to complete

Since the launch of the program in Sept 2019, only 13% of the programs allocated reserve actually made it to the hands of first time home buyers. Will the upcoming enhancement spur more interested applicants, or is this program si

Probably one of the most neglected mortgage features of all time - porting.

The winning choice is to have all three available as options.

How reading between the lines of Business Financial Statements can result in higher qualifying incomes for self employed applicants.

Avoid the drama of selling and purchasing properties on the same day...learn how Bridge Financing can save the day.

Rate increase speculation is starting to heat up...and what is it with down payment verification theses days?!

Many real estate buyers prefer holding a property within a corporation, but do the benefits really stack up compared to personally holding the property?

Transferring ownership and equity of matrimonial or multi-generational family homes - how to do it.

Mortgage rates are at historic lows and have been for quite some time. But everyone knows that good things don't last forever.

How much does your credit report factor in to your mortgage approval?

An overview of key points when qualifying for a mortgage in Canada.

Why do banks differ in how much mortgage they approve you for? Even though all banks use the same qualification formulas, there are some banks that have additional boosters that can propel you to higher qualification amounts.

How mortgages will play a key role in how Canada's financial system rebounds in the post-COVID era. Ready or not, here we go.

Many homeowners in Canada do not take their mortgage renewal seriously...do you?

Interest rates are volatile in normal times, but how do they act in a crisis? Early on in March, the Bank of Canada announced a series of rate cuts...what has been happening since? Are rates still trending downwards?

Everything you need to know about deferring your mortgage payments during the COVID19 crisis (in Canada).

Tools, resources and solutions for problematic debt loads.

Marko Gelo (The Mortgage Centre) and John Darel (Canyon Maxwell Realty) discuss the impact of Canada's cannabis legislation on real estate and mortgages.

Canadian Political Party Election promises – which party has it in for first time home buyers? And…isn’t down payment the easy part of mortgage qualification?

A program for First Time Home Buyers all across Canada.

Interview with Calgary Real Estate Expert, John Darel, about the current state of economic and political conditions surrounding Calgary's real estate.

There was a time when all you needed to verify income was a recent paystub and an employment letter. Times have changed.

When it comes to mortgages, there are two charges that a bank can apply to your land title. This episode explains the key differences between a standard and collateral charge mortgage.

This episode explains the key methods that you can implement right now and put yourself on a (much) quicker path towards mortgage freedom.

A short talk about the key points to look out for that make your mortgage pre-approval LEGIT. There are a lot of weak mortgage pre-approvals out there, don't let yours be one of them.

A discussion about the sequence of events following an accepted offer...all the way up until the subject conditions get removed and the deal is declared, FIRM.

A closer look at how lenders determine your interest rate. Also, which channel of mortgage advisors have the momentum when it comes to best rates, products and service? Listen to this episode and find out.

In this episode we talk with Tony Spagnuolo (The Spagnuolo Group and Terra Firma) about non-financial charges on land titles.

In this episode we talk with John Darel of Maxwell Canyon Creek Calgary on the various factors involved in determining a homes list price. We also touch on importance of hosting...

We discuss current market conditions with the author of Vancouver's leading real estate blog, Steve Saretsky. Steve produces monthly analysis reports and has made several television appearances to talk about Vancouver real estate

Finally, a mortgage product designed exclusively for Canada's largest demographic - the Baby Boomers. If you were born between 1946 and 1964, read on.

A profile on the North Vancouver real estate market...statistics, news and trends. Special Guest: Lisa Gordon (Macdonald Realty, North Vancouver). Mortgage Minute: preparing for mortgage qualification for self employed applicant

Analysis on Calgary market conditions and mortgage tips: rental suite procedure change, $600,000 to $1M price band

Small town feel, ocean front properties, high density outlook, White Rock and South Surrey. South Surrey and White Rock real estate re-cap

Is the Squamish real estate market affordable? Don't fall for "posted" mortgage rates.

Bank of Canada holds off on interest rate increase.

Where are interest rates headed?

Podcast transcripts of interview with John Darel (Canyon Creek Maxwell Realty) and Mortgage Minute with Marko Gelo

6 ways to improve your credit score

Are the new rules having an impact on affordability in Vancouver?

Calgary millennials contemplate home ownership and whether it makes financial sense to commit to a mortgage and all the costs that come with owning a home.

Prime rate went up, but so did a few other interest rates.

10 terms and phrases everyone should new when embarking on home ownership or refinancing

The key items to look for that make your mortgage pre-approval legit.

Since the announcement of the new mortgage rule coming in to effect on January 1, there’s been a mad rush that’s led many Canadians to push ahead with mortgage and real estate plans that were previously slated for a later date.

Did you know that you can reserve a rate for your mortgage?

Here's a short vlog that explains the new mortgage rule that is coming in to effect on January 1, 2018.

Not quite an Anthony Robins type of message, but nonetheless, pretty good news for Calgary's real estate outlook.

Home ownership a privilege, not a right.It all started in the 1940's - Central Mortgage and Housing Corporation was created (today known as CMHC, Canada Mortgage and Housing Corporation)...