Mortgage Insights

Refinancing your mortgage may help you use home equity to pay off high-interest debt. Learn how cash-out refinancing works, its costs, benefits, and potential risks.

Understand the key differences between mortgage refinancing and a second mortgage, including costs, monthly payments, interest rates, loan terms, and cash-out options.

Wondering if you can get a mortgage with bad credit in Ontario? Explore alternative and private lender options, credit requirements, down payments, rates, and ways to improve your chances of approval.

A second mortgage typically requires sufficient home equity, along with acceptable credit, income, and debt levels. Learn how much equity you may need and what lenders consider.

Looking for a trusted mortgage broker in Toronto? Explore our list of the top 10 mortgage brokers in Toronto, Ontario, and compare their services, experience, and mortgage options to help you make a confident financing decision.

Understand the difference between a HELOC and a Home Equity Loan, including interest rates, repayment, flexibility, and which option may suit you best.

Falling behind on mortgage payments in Canada can affect your credit, increase costs, and put your home at risk. Learn what happens next and explore available mortgage relief options.

Learn how self-employed Canadians can qualify for a second mortgage, including income verification, eligibility requirements, and available financing options.

Explore the differences between a second mortgage and HELOC, including benefits, costs, flexibility, and which option may best fit your financial goals.

A quick guide comparing debt consolidation loans and personal loans, including their key differences, benefits, and how to choose the right option.

Learn 10 important things to consider before getting a second mortgage in Canada, including rates, eligibility, costs, risks, and repayment options.

Debt Consolidation can make it easy for you to manage finances by combining multiple debts into one account and making a single monthly payment. But along with this ease comes a question of great concern: Does debt consolidation hurt your credit score?

Canada's inflation rate cooled more than expected in June, and a key core measure dipped under 2% for the first time in years. Here's why mortgage borrowers should care.

CMHC says the annual pace of housing starts fell 6% in June. Short-term blip or long-term price pressure? Our read.

BMO economists say weaker population growth is easing rental demand and weighing on condo activity. Here's what that means if you're waiting to buy.

All four of Canada's reverse mortgage providers have cut rates within weeks of each other. Competition is heating up — and older homeowners benefit.

The Canadian Real Estate Association downgraded its sales outlook for the year even as June sales ticked up. Less competition can be a buyer's best friend.

The Bank of Canada left its policy rate unchanged again as the economic outlook brightens. What variable- and fixed-rate borrowers should take from it.

EQB shares jumped after Loblaw signalled plans to grow its ownership toward 25%. Big money is betting on Canada's alternative lenders.

American consumer prices declined in June, easing pressure on the Federal Reserve. US bond markets move Canadian fixed mortgage rates more than most people realize.

One major brokerage sees prices climbing faster than expected this year, with demand outpacing supply in some regions. The market isn't one story — it's several.

Traders now put even odds on a US rate hike this month, driven by rising oil prices and hawkish Fed talk. Canadian fixed mortgage rates won't wait for the answer — here's why.

Ahead of this week's decision, economists agreed the Bank of Canada would hold at 2.25% — and disagreed sharply on how soon rates start rising again.

Reverse mortgages have shed their bad reputation and rates are falling. Here's a plain-English guide to how they work in Canada, what they really cost, and when a HELOC or downsizing beats one.

18,200 new jobs and a 6.5% unemployment rate sound like small numbers — but employment data is one of the biggest inputs into where your mortgage rate goes next. Here's the connection, explained.

Toronto went from the continent's growth champion to 412th place as immigration slowed and residents moved out. Here's what that reversal actually means for GTA buyers, sellers, and investors.

A new industry paper argues regulated alternative lenders shouldn't be lumped in with private lenders. The distinction matters — especially if a big bank has ever turned you down.

Everything you need to know before you start house hunting in Ontario, from pre-approval to closing costs.

With changing interest rates, many homeowners are wondering if it's the right time to break their term and refinance.

Being your own boss shouldn't stop you from owning a home. Here is how to navigate the lending landscape as an entrepreneur.