Mortgage Blogs

Stay up to date with the recent industry news and mortgage trends.

The New Canadian Homebuyer: How Affordability, Debt Levels, and Shifting Lender Rules Are Changing the Mortgage Landscape

Canada’s housing market has shifted dramatically as affordability tightens and household debt reaches record levels, changing how buyers qualify and plan for a mortgage. With lenders focusing more on ... ...more

Broker Blogs

December 01, 2025•4 min read

Falling Home Prices? Why It Could Be the Best Time for Canadian Real Estate Investors

Canadian housing markets are cooling, creating a strategic window for investors. With softer prices, strong rental demand, and potential future rate relief, now is an ideal time to explore cash-flow-p... ...more

Broker Blogs

November 15, 2025•3 min read

Can Missing Middle Housing Save Our Cities from a Supply Crisis?

Canada’s “Missing Middle” homes — duplexes, townhouses, and low-rise apartments — are making a comeback. With a 44% surge in new builds across major cities, this mid-density housing offers faster, mor... ...more

Broker Blogs

November 01, 2025•2 min read

Why Rising Interest Rates Don’t Always Equal Disaster

Renewal shock is real, but preparation makes all the difference. Here’s how to build a buffer, manage risk, and stay in control when interest rates climb. ...more

Broker Blogs

October 15, 2025•4 min read

How To Get Mortgage-Ready When You Are Self-Employed

Most lenders want two years of tax returns, NOAs, and bank statements to prove stable income. If paperwork is thin, alternative lenders may use deposits or contracts — at higher cost. With prep and th... ...more

Broker Blogs

October 01, 2025•4 min read

How Bond Yields and the Bank of Canada Shape Mortgage Rates

Mortgage rates follow bond yields and Bank of Canada policy. With the BoC rate at 2.75% and cuts likely later in 2026, fixed rates could ease toward 3.8%–4.2%, while variable rates may remain lower. B... ...more

Broker Blogs

September 15, 2025•3 min read

Still Waiting for 1% Mortgage Rates? Here's Why They’re Not Coming Back

Ultra-low mortgage rates are gone for good — 4–6% is the new normal. The key is planning ahead: secure pre-approvals, explore flexible mortgage options, and work with a broker to create a strategy tha... ...more

Broker Blogs

September 01, 2025•2 min read

Turning Family Support into a Loan: A Smart Down Payment Strategy

A family loan can help you buy a home sooner without needing a gifted down payment. With proper legal documentation, you can access funds from parents, reduce costs, and safeguard everyone’s finances ... ...more

Broker Blogs

August 15, 2025•4 min read

Think You Always Need a Home Appraisal? Sometimes.

Do You Really Need a Home Appraisal? Appraisals aren’t always required when buying or refinancing in Canada. If your down payment is under 20%, the insurer typically waives it. But with larger down pa... ...more

Broker Blogs

August 01, 2025•4 min read

How Mortgages Can Fuel Your Wealth

Discover how to turn your mortgage into a powerful wealth-building tool in Durham Region. Learn expert tax strategies, equity recycling tips, and the “buy, rent, repeat” method to grow your real estat... ...more

Broker Blogs

July 15, 2025•3 min read

5 Questions to Ask Your Mortgage Broker or Lender in Durham Region, Canada

Before signing any mortgage deal, make sure you’re asking the right questions. This guide covers the 5 most important things to discuss with your mortgage broker or lender—from mortgage types and APR ... ...more

Broker Blogs

June 30, 2025•3 min read

Changing Your Mortgage Type in Durham Region: What Homeowners Need to Know

Thinking of switching your mortgage from fixed to variable or vice versa in Durham Region? Learn key conditions, penalties, pros, and strategies to help you make a smarter, more informed decision for ... ...more

Broker Blogs

June 15, 2025•4 min read

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