Renewing
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The Bank of Canada Gears Down, what about Mortgage Rates?
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November 17, 2025 On November 12, the Bank of Canada released its Third Quarter Financial Report. I don’t usually pay much attention to these releases, but I ...

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Mortgage Rate Holds in Canada: What You Need to Know
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Oct 6, 2025   In Canada, mortgage rate holds are one of the most misunderstood elements of the mortgage process. Many buyers hear the term and assume ...

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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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Mitigating Mortgage Renewal Payment Shock in Canada: Strategies for 2025–2026
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September 12, 2025 Thousands of Canadian homeowners are approaching what’s being called the “renewal cliff”—with nearly 60% of mortgages set to renew ...

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Mortgage Stress Test in Canada: Outdated Burden or Necessary Guardrail?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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Is your mortgage renewal keeping you up at night?
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(May 23, 2024) Don't want to miss out on the next blog post?  Click Here to have future issues emailed directly to your inbox! As ...

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Watch out for these deal-killing mortgage conditions.
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(February 18, 2024) Don't want to miss out on the next blog post?  Click Here to have future issues emailed directly to your inbox! Securing a ...

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Maternity Leave, Child Support, and Canada Child Benefits – can you use them to qualify for a mortgage?
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(February 11, 2024) Don't want to miss out on the next blog post?  Click Here to have future issues emailed directly to your inbox! If you're ...

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Interest Rates, Affordability, Zoning, and 2026 FIFA World Cup!
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(February 4, 2024) Don't want to miss out on the next blog post?  Click Here to have future issues emailed directly to your inbox! The first month of ...

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Is your Mortgage Pre-Approval optimized for Maximum Purchasing Power?
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(Jan 29, 2024) Don't want to miss out on the next blog post?  Click Here to have future issues emailed directly to your inbox! In the unforgiving ...

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The Truth Behind Mortgage Pre-Approvals and Rate Guarantees
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(Jan 12, 2024) Don't want to miss out on the next blog post?  Click Here to have future issues emailed directly to your inbox! The doors to ...

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Mortgages, Real Estate, and Life in 2024
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(Jan 6, 2024) Don't want to miss out on the next blog post?  Click Here to have future issues emailed directly to your inbox! With all the uncertainty ...

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