All Things S'Mortgages

If you’ve ever tried to figure out how much mortgage you can afford and ended up staring at a blank calculator like it personally offended you, I get it — I’ve been there with clients countless times. This is one of the most Googled mortgage questions in Canada. And for good reason. Home prices keep climbing, interest rates keep shifting, and every lender seems to have their own opinion about what you should qualify for. It’s confusing. So let me break it down in plain Englis

Buying a home is stressful enough without introducing chaos into the financing. You’ve got inspections, paperwork, moving timelines, and your mother-in-law asking if there’s room for her craft room. The last thing you need is your mortgage broker saying, “Wait… that lender doesn’t fund properties there.”

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If you've started the process of getting pre-approved for a mortgage, you might be wondering:“Why do you need so many documents? Isn’t this a little invasive? I’m just seeing what I qualify for!”

Short answer: yes, you can get a mortgage with a consumer proposal—but it’s not as simple as walking into a bank and asking for a low-rate five-year fixed.

This is one of the most common questions I get as a mortgage broker in Canada—how do mortgage brokers get paid? Like, are we just really helpful for free? (Kinda!) Are you going to get hit with a surprise invoice after I find you a mortgage? (Nope.) Do I moonlight as a financial wizard who thrives off caffeine and spreadsheets? (Yes, but that’s a separate issue.)

If you’ve been house hunting or talking to a mortgage broker (hi, that’s me!), you’ve probably heard the term “high ratio mortgage” thrown around. But what is a high ratio mortgage in Canada, exactly—and why should you care?

Some people think we just shop around for rates, while others assume we charge hefty fees for something they could do themselves.

Tariffs can have a significant impact on the economy, which in turn affects interest rates, including those for mortgages.

Property assessments have been a hot topic recently, with many homeowners noticing a substantial increase in their assessed property values.

When you’re applying for a mortgage, understanding your Debt-to-Income Ratio (DTI) is one of the most important steps.

As interest rates shift and home values rise, many Canadian homeowners are wondering if it’s the right time to refinance.

Separation is an emotionally challenging time, and the financial aspect can be equally complex, especially when it comes to your mortgage.

Canada offers several programs designed to help first-time homebuyers ease into the process.

When it comes to choosing a mortgage, one of the most crucial decisions you'll make is whether to opt for a fixed or variable rate.

Applying for a mortgage can seem like a daunting process, but being prepared with the right documentation can make it much smoother.

Let's talk about some exciting developments that emerged recently, courtesy of the Canadian government. These changes are designed to pave a

Exploring Your Mortgage Options: Embracing the Dynamic Dance Between Fixed and Variable Rates

5 Pitfalls to Dodge When Securing Your Mortgage in Canada

As a Canadian mortgage broker, my journey into the world of mortgage renewals often feels like guiding clients through uncharted territory.