Mortgage Policies & Legislation
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The Canadian Mortgage Market Is Quietly Changing
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Canada’s mortgage market is changing beneath the surface. Some financing options are opening up, while others are becoming harder to access. Here’s what ...

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Separation Can Reset Your First-Time Buyer Status
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Learn how marital breakdown can reset first-time home buyer privileges in BC and Alberta, including HBP, FHSA, PTT exemptions, and mortgage options.

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A mortgage that qualifies you based on your assets
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April 26, 2026 Let’s go back in time for a second. Early 2000s. Flip phones. And Pearl Jam’s Alive still in heavy rotation. And in ...

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What Happens If My New Condo Appraises Substantially Lower?
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April 3, 2026 As a mortgage broker in Vancouver and Calgary, I’m seeing an increasing number of appraisals come in lower on newly built ...

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GST Rebate Now in Effect: What It Actually Means for First-Time Buyers
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March 23, 2026 Something meaningful just happened in Canadian housing policy—and it’s flying a bit under the radar. The federal government’s GST rebate ...

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What Banks look for when reviewing your Condo Documents
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December 1, 2025 When you’re buying a condo or townhouse in Canada, the focus is usually on the unit: the floor plan, the location, the amenities, the view. ...

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Applications and Implications of Making Changes to Your Land Title
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November 3, 2025 Why would someone change names on a property title? Changing who appears on your property title is one of the most significant legal and ...

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Vancouver Condo Market 2025: Is Now the Time to Buy?
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Oct 26, 2025 Vancouver’s condo market is offering something it rarely does: a temporary pause in price pressure, paired with easing interest rates and ...

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Strategic Entry Points for First-Time Home Buyers in Vancouver
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Oct 25, 2025 For years, Vancouver’s real estate market was a battlefield — buyers lined up at open houses, offers came in hours after listing, and bidding ...

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Want to Fix Canada’s Housing Crisis? Make Mortgage Interest Tax Deductible.
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Oct 20, 2025 Let’s call it like it is — owning a home in Canada has become unattainable for the average person. Whether you’re a first-time buyer, a young ...

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Optimizing Debt Service Ratios (GDS & TDS) to Boost Your Mortgage Approval
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September 26, 2025 In Canada’s competitive housing market, qualifying for a mortgage often comes down to your debt servicing coverage ratios (DSCR). These ...

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Mortgage Stress Test in Canada: Outdated Burden or Necessary Guardrail?
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September 3, 2025 Once hailed as a safeguard against reckless borrowing, the Canadian mortgage stress test has quietly shifted into the background of our ...

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