Market Insights
The knowledge hub for borrowers, offering valuable insights and resources to make informed mortgage decisions with confidence.
Understanding Commercial Mortgages: Benefits and Key Considerations
As you search for mortgage choices, you might hear someone throw around the term full
Assumable Mortgage Canada: Key Benefits and Important Considerations
Introduction The house buying or selling process comes with so many financial decisions. Among the
Essential Guide to the Gift Letter for Down Payment Explained
Buying a home is one of the most monumental steps anyone can take, and it
Home Appraisal Guide: Everything Buyers and Sellers Need to Know
Home appraisals are an essential step in real estate transactions. Be it buying, selling, refinancing,
A Guide to Switching Mortgage Lenders at Renewal: Pros and Cons
Introduction When your first mortgage type or term is near its end, it means you
Cash-Out Refinance Canada: Benefits, Rates, and How Long It Takes
Introduction Cash-out refinancing is a very attractive option for homeowners in Canada who want to
The Essential Guide to Understanding Your Second Mortgage Options
What is a Second Mortgage? A second mortgage is a secondary loan on a property
A Guide to Switching Mortgage Lenders at Renewal: Pros and Cons
Introduction When your first mortgage type or term is near its end, it means you
Understanding Mortgage Renewal: Tips for Making Informed Decisions
Mortgage renewal is an important time for homeowners in Canada: it’s your opportunity to look
What Is Closing Cost? A Clear Guide for Homebuyers and Sellers
Canadian home buying encompasses much more than just receiving a mortgage or agreeing to a
Average Down Payment on a House in Canada: What You Can Expect by Region
Introduction Buying a house is perhaps one of the largest investments that many Canadians will
Understanding Credit Scores in Canada: What You Need to Know
Understanding Credit Scores in Canada: What You Need to Know A credit score is a
How to Secure a Mortgage with Poor Credit in Canada: A Step-by-Step Guide
How to Secure a Mortgage with Poor Credit in Canada: A Step-by-Step Guide Purchasing a
Mortgage Deferral 101: Can You Really Skip a Mortgage Payment?
Introduction Purchasing a home is likely to be the biggest financial burden that most people
How to Secure a Mortgage with Poor Credit in Canada: A Step-by-Step Guide
Purchasing a home marks a significant milestone for any Canadian, but a weak credit score
Your Guide to the Best Mortgage Broker Mississauga: Top Picks & Rates
Find the best mortgage broker in Mississauga that will ensure you receive the best rates
Step-by-Step Guide to Porting Your Mortgage to a New Property
Introduction Porting a mortgage is a very appealing option for homeowners who are planning to
Top Options for Debt Consolidation in Kitchener: Your Guide to Relief
Managing debts can be stressful, but for residents of Kitchener, many tailored financial services can
Top Mortgage Agent Oakville: Get Expert Guidance and Competitive Rates
Top Mortgage Agent Oakville: Get Expert Guidance and Competitive Rates Buying a home is one
Should You Pay Off Your Mortgage Early? Pros, Cons, and Smart Strategies
By owning a home, many people believe they are building financial security. But the real
The Best Place to Live in Canada: A 2024 Guide to Your Ideal Home
Choose Canada: Why? With vast landscapes, a culturally diverse population, and an excellent quality of
What Is the Longest Mortgage Term in Canada? Exploring Your Options
Introduction Probably the most important decision that you’ll make is choosing the right mortgage term
Second Property Financing in 2024: Investment Strategies and Mortgage Options
Introduction The allure of owning a a second home or property continues to grow in
Can Someone on Disability Buy a House in Canada? A Step-by-Step Guide
Many see the idea of living in Canada as their own home as a rather
Can You Get a Mortgage with Only 1 Year of Self-Employment Income?
Introduction No, it is not easy being newly self-employed mortgage and getting a mortgage. Often
Can I get a mortgage if I just Start a new job? Here’s What You Need to Know
Buying a home is exciting and intimidating, especially when one is new at their job.
Unlocking the Value of Home Equity in 2024: HELOCs vs Refinance Cash -Out
Introduction Homeownership is more than just having a place that can be called one’s own;
Top Private Mortgage Rates in Ontario: Your Guide to the Best Options
Private mortgages are increasingly filling the gap as an alternative source of financing in Ontario,
Mortgage Loan Denied in Underwriting: What to Expect and Your Next Steps
Introduction The dream to own a home is among the most exciting and anxiety-provoking times
How Much Does the Average House Cost in Canada Compare to Other Countries?
The average new housing price index, buying and selling figures as well as the new
How to Prepare to Buy a House in One Year Financially
Introduction Buying a home is one of the biggest financial decisions you will ever make.
Mortgage Broker vs. Bank: Which is Best for Your Home Purchase?
First, a candidate should decide whether to consider a mortgage broker or a bank. In
What Does a Mortgage Guarantor Do? Responsibilities and Risks Explained
1. Introduction In easy words, a mortgage guarantor is someone who assists people getting a
How to Use a Bridge Loan to Buy a New Home Before Selling Your Old One
Purchasing a new property or real estate while you still own your existing one is
Understanding Private Mortgage Lenders in Canada: What You Need to Know
Introduction to Private Mortgage Lenders in Canada Mortgages in Canada change at a speed that
A Guide to Affordable Homes in Canada: Provinces with the Best Deals
Introduction Affordable housing remains one of the key concerns of national discourse in Canada because
10 things to know about Private Mortgage
1. Definition: What is a Private Mortgage? A private mortgage is a loan that is
A Comprehensive Guide to Vendor Take-Back Mortgages: Pros, Cons, and Best Scenarios.
Vendor take-back mortgages (VTB or vendor take-back mortgage mortgages) have emerged as a creative and
10 things to know about your Mortgage Renewal
Introduction The process of mortgage renewal will be the alternative term whenever your mortgage term
Variable vs. Fixed Mortgage: Choosing the Best Option in Today’s Market
To gain a mortgage, Canadians prefer two major types of mortgages: fixed-rate mortgages and more
How CMHC Mortgage Insurance Impact on Monthly Payments
Introduction Purchasing a home is probably the most significant financial commitment that most Canadians make
Understanding the Relationship Between Your Mortgage and Credit Score
One of the most critical elements in getting approved for a mortgage would be buying
Self-Employed Mortgage Myths: What You Need to Know
Getting a mortgage seems formidable for self-employed people, as there are many myths surrounding the
Can You Transfer CMHC Mortgage Insurance to New Home?
Introduction The Canada Mortgage and Housing Corporation (CMHC) plays a significant role in the Canadian
Understanding Debt Consolidation Meaning: A Clear Guide for Borrowers
Debt can be very stressful, especially when dealing with different debts to different lenders with
Mortgage Insurance in Canada: Everything You Need to Know
Indeed, mortgage insurance explanations remain the key to purchasing a home in Canada. From protecting
CMHC Mortgage with 30-Year Amortization: Is It Right for You?
Introduction In 2024, Canada Mortgage and Housing Corporation (CMHC) launched a new product into the
How to Calculate Mortgage Interest and Principal: A Complete Guide
It will affect the amount you pay each month, and the total sum paid when
How Your Property Zoning Impact on Vacant Land Mortgage
Introduction Property zoning defines a system that the government uses in regulating land use and
Options of Alternative Financing for Vacant Land Canada
Introduction This gets even more exciting, be it a dream house or a new business.
ARM Mortgages Explained: Is an Adjustable-Rate Mortgage Right for You?
Introduction There are many choices when it comes to home financing, and understanding your mortgage
Mortgage Penalties: How to Avoid Mortgage Penalties Canada When Breaking Your Mortgage
Introduction When you take a mortgage, you’re committing yourself to a long-term financial arrangement with
How Canada’s Immigration Boom Is Affecting the Mortgage and Housing Markets: canada immigration housing market impact
Introduction Canada has become one of the favorite destinations for immigrants from all parts of
The Rise of Multi Generational Mortgages Canada
Introduction In the last century, Canada witnessed a very significant transformation in terms of housing
Co-Borrowing in canada and Joint Mortgages: A Solution to Canada’s Housing Affordability Crises?
Introduction For years now, Canada has been plagued with rising prices in the housing market,
Understanding Mortgage Brokers: What They Do and How They
Introduction In today’s real estate market, mortgage brokers are helpful in the search for the
Financing Sustainable Homes in green mortgages Canada
Introduction With environmental consciousness on the rise, house owners, and potential buyers alike, are starting
How AI and Technology Are Transforming the Mortgage Approval Process in Canada
Introduction Acquiring a mortgage has been quite laborious and labor-intensive for borrowers and lenders in
Understanding the New Zero-Down Mortgage Products Available in 2024
Homeownership has been a keystone of the American dream for nearly two centuries; however, the
Reverse Mortgages in Canada: A Growing Trend for Retirees?
Introduction The increasing maturity found in the demographic retiring in Canada creates a rising interest
10 Things to Know About HELOC: Essential Insights for Homeowners
Most people will have the chance to access some of the home equity by talking
10 things to know about Mortgage for Investment Property
Real estate investment is a great wealth-building strategy, supplemental income for rental, and diversified portfolio.
Comprehensive Guide to Alta West Capital Mortgage Rates and Services
Comprehensive Guide to Alta West Capital Mortgage Rates and Services From self-employed to lower credit
Mortgage Pre-Approval in 2024: How to Boost Your Chances of Getting the Best Rate
Introduction Getting pre-approved for a full mortgage pre approval, is one of the first and
10 Things to Know for First-Time Home Buyer
Purchasing a first home is thrilling and complex at the same time. You will face
Vacant Land Mortgage vs. Construction Mortgage: What’s the Difference?
A dream to possess a property holding is one of the most exciting steps that
CMHC vs. Private Mortgage Insurance: What’s the Difference?
Insurance Mortgage protection insurance is sure to be something that will come in handy when
Buying Vacant Land Canada: What to Consider Before Applying for a Mortgage
Introduction Getting into the sector has been the biggest challenge confronting many potential homebuyers in
Shared Equity Mortgages: A Path to Affordable Homeownership in Canada?
Introduction Getting into the sector has been the biggest challenge confronting many potential homebuyers in
Home Equity Loans vs. Reverse Mortgages: Which Is Right for You?
Home ownership is probably the largest investment most Canadians will ever make. The longer you
CMHC Mortgage Rules in 2024: What Has Changed?
The Canada Mortgage and Housing Corporation is critical in bringing homeownership to those who cannot
How Often Can You Refinance Your Mortgage? Understanding the Limits and Considerations
Refinancing your mortgage is an essential financial tool for the homeowner who will make some
Rent-to-Own: Is It a Viable Alternative to Traditional Mortgages in Today’s Market?
Introduction With the real estate landscape undergoing changes, many are seeking alternate routes to ownership,
What Canadian Homebuyers Should Know About Mortgage Portability
Porting your mortgage, or transferring your existing mortgage to a new property, is a great
Mortgage Refinance vs. Renewal: Understanding Your Options and Making the Right Choice
When it comes to handling your mortgage, two very important words come into play: refinancing
How the Housing Affordability Crisis Is Changing the Canadian Mortgage Market
Introduction For a few years now, housing affordability in all parts of Canada has been
The Rise of Alternative Mortgage Lenders Canada: Should You Consider One?
Affordability of housing would become one of the burning issues for Canadians, and the federal
Ottawa amends 30-year amortizations: know what’s in new mortgage rules for Canada
The Canadian Federal government has passed some significant mortgage reforms in recent times. This will
CMHC Fees 2024: What Homebuyers Need to Know
The thrill of buying a home is tremendous but associated with several financial factors. CMHC
New Mortgage Reforms in Canada: What Homebuyers Need to Know
The Canadian Federal government has passed some significant mortgage reforms in recent times. This will
Breaking a Fixed Mortgage Penalty: What You Need to Know
Breaking a fixed-rate mortgage before your agreed mortgage early term may prove costly in terms
New Mortgage Rules: What You Need to Know About Changes from the Federal Government
The federal government infused new rules into mortgages and sought directly to influence the housing
How Government Bond Yields Relate to Mortgage Rates
Understanding government bonds and bond yields related to mortgage rates can help the customer make
Understanding Canada Housing Benefit CMHC and How It Can Help
The housing affordability challenges are becoming a problem for many Canadians. Nowadays, because of the
How to Avoid Common Mortgage Fraud Schemes: Protecting Yourself During the Home Buying Process
Introduction Buying a house is one of the biggest financial decisions you’ll ever have to
First-Time Home Buyer Shared Equity Programs in Canada: A Guide to Affordable Homeownership
Introduction For many Canadians, the concept of homeownership has long been realized as a dream.
Can I Refinance My Mortgage? A Comprehensive Guide to Mortgage Refinancing in Canada
Mortgage refinancing is simply an accepted way of replacing an existing mortgage with a new
How Much Does CMHC Insurance Cost? A Guide to Mortgage Default Insurance in Canada
For many Canadians, buying a home is one of the biggest monetary decisions they will
Supply Chain Adjustments Post-Pandemic: How Real Estate Logistics and Infrastructure Requirements Are Evolving
The COVID-19 pandemic has brought to the forefront vulnerabilities present in many global supply. It
Acreage mortgage in Canada
What is an Acreage Mortgage? An acreage mortgage is a specialized kind of loan, made
Is mortgage interest tax deductible in Canada
Some of the biggest questions any Canadian homeowner ever contemplates is whether they can take
Canada interest rate in 2024
In 2024, interest rates became a hot topic taken up in the discussion of the
What is a Trigger Rate Mortgage ?
What is a Trigger Rate Mortgage ? Trigger Rate Mortgage-the term itself has grown in
Understanding Halal Mortgage
Understanding Halal Mortgage Introduction For many Muslim Canadians, buying a home is very challenging due
Vendor take back mortgage(VTB)
What is a VTB Mortgage? A Vendor Take-Back mortgage is one of the unusual
Unleash Commercial Mortgage and Rates in Canada ?
Canadian Commercial Mortgage Rates: Trends, Insights, and Projections During recent times, commercial mortgage rates in
Variable vs Fixed mortgage – Which one is Right For You
It is vital to know what type of mortgage works best for you when you’re
What is a Stress Test? What are the Stress Test Mortgage Rules?
There is a stress test factor for all mortgages in Canada, even if you’re putting
What happens if your mortgage renewal is denied in Canada?
There are several strategies that you can focus on when your mortgage renewal application is
Benefits of porting a mortgage in Canada
Understanding the nuances of mortgage portability is one of the important aspects of having a
Is Real Estate a Good Investment in Canada? How do I get started?
The real estate sector in Canada is a growing domain, as home prices rise and
How Much Down Payment for a House in Canada is Ideal?
The down payment aspect of purchasing a property will depend upon a range of factors
How Mortgage Terms can impact your Investment Strategy?
Understanding the term length of your mortgage can be vital to optimizing your investment. It
When is the Best Time to Buy a House in Canada – Summer, Spring?
With Canadian home prices rising steadily this year, home buyers are focusing on the summer
What is a Shared Equity Mortgage in Canada? What are its Benefits?
A shared equity mortgage allows home buyers to enter the market sooner when they don’t
Understanding the Canadian Real Estate Market Forecast
Market resilience is the major theme of the Canadian housing market, which is why several
Is Variable Rate better than Fixed for a Mortgage in Canada?
In 2024, Canadians are reviewing their options and understanding the mortgage market better in terms
Calculating the Answer to – How much can I Afford Mortgage in Canada?
The best way to know how affordable a mortgage can be is to use a
Understanding what happens to CMHC Insurance When you sell your Home
There are several steps to understanding what happens to the CHMC insurance when you sell
Alternative Financing Options: Navigating Non-traditional Lending
Introduction Setting the Stage: The Real Estate Financing Landscape The real estate arena has traditionally
Refinancing During High Interest Rates: Is It Worth It?
While conventional strategies focus on refinancing during lower interest rates, you may see benefits from
Strategies for Borrowers in a High Interest Rate Environment
Introduction Homebuyers have faced a less than welcoming financial climate as mortgage rates rose to
The Impact of Natural Disasters on Mortgage and Property Values
Introduction Natural disasters, such as hurricanes, earthquakes, floods, and wildfires, are unpredictable destructive events that
How to Use a Mortgage Calculator to Determine Affordability ?
Navigating the mortgage market is no easy feat, especially when determining how much home you
The Pros and Cons of a 15-year vs 30-year Mortgage
Introduction Out of the many decisions a homeowner makes when purchasing his or her new
How to Get a Mortgage Loan for a Commercial Property
Introduction Acquiring a mortgage loan for commercial property is probably the most critical step when
How to Compare Mortgage Interest Rates: An Essential Guide by Shelto Mortgage Brokerage
Securing a mortgage is one of the most significant financial commitments you’ll undertake. While a
How to Get a Mortgage Loan for a Second Home: A Comprehensive Guide by Shelto Mortgage Brokerage
Introduction Whether you’re eyeing a vacation property, an investment opportunity, or a place for an
How to Pay Off Your Mortgage Faster ?
Introduction The owning of a house is one of the largest financial achievements that an
How to Get a Mortgage Loan with a Low Income ?
Homeownership may seem out of reach for those with a low income, but at Shelto,
Top 10 Mortgage Mistakes to Avoid: A Comprehensive Guide by Shelto
Purchasing a home is one of life’s significant milestones, but the mortgage process can be
The Top Mistakes to Avoid When Applying for a Mortgage
Navigating the mortgage application process can be complex. However, understanding common pitfalls can help you
How to Refinance Your Mortgage to Save Money
Refinancing your mortgage can be an excellent financial strategy. When done correctly, it can help
How to Navigate the Mortgage Process as a Self-Employed Individual
As a self-employed individual, applying for a mortgage can seem daunting due to the different
The Benefits of Using a Mortgage Broker vs a Bank
When it comes to securing a mortgage, you have the choice of working directly with
How to Use a Mortgage Calculator to Determine Affordability
A mortgage calculator can be an invaluable tool for planning your home purchase and understanding
The Difference Between Mortgage Pre-approval and Pre-qualification
When you’re starting the home-buying process, you’ll likely encounter two terms: mortgage pre-qualification and pre-approval.
How to Get Approved for a Mortgage Loan with Bad Credit
Having a bad credit score can make it challenging to get approved for a mortgage,
How to Get a Mortgage Loan for an Investment Property
Investing in property can be a profitable venture, but it requires careful planning and understanding
How to Compare and Negotiate Closing Costs on a Mortgage
When applying for a mortgage, it’s crucial to understand and plan for closing costs. These
The Impact of Credit Score on Mortgage Rates and Approval
Your credit score is a critical factor in the mortgage application process. It impacts not
Exploring the Different Types of Mortgage Loans Available
When shopping for a mortgage, it’s important to understand the various types of mortgage loans
The Impact of Rising Interest Rates on Mortgage Rates and Affordability
Interest rates, set by the Bank of Canada, significantly influence mortgage rates and affordability. Understanding
The First-Time Homebuyer’s Guide to Understanding Mortgages
Purchasing your first home is an exhilarating journey, but it can also be overwhelming without