Apply For a Mortgage
Author Ross Taylor
I started the Ask Ross blog in 2009 to share my financial knowledge with Canadians across the country. I am a firm believer in reliable and accessible information and I understand just how confusing financial, mortgage, and credit matters can be. Today, our blog and monthly newsletters are read by thousands of Canadians.
Get answers to your questions no matter how difficult – 7 days a week.
Jump to a specific category of articles↓↓
- Featured Articles
- First Time Home Buyer Articles
- Private Mortgages: When the door to the bank is closed.
- Reverse Mortgage Articles
- Credit Repair & Consumer Proposal Articles
- All of Our Articles on Canadian Mortgage Trends
- GTA News Articles
- Bank of Canada Update Articles
- All of Our Articles
Featured Articles
Explore our featured articles highlighting essential mortgage insights, trending topics, and strategic financial advice.
Is 2026 a Good Time to Buy a Home in Toronto?
Is 2026 the right time to buy a home in Toronto? With prices cooling, rates stabilizing, and more listings available, conditions are shifting in buyers’ favor. This guide breaks down ...
How Canadians Can Use Second Mortgages to Crush Debt in 2026
In 2026, second mortgages are helping Canadians preserve low first-mortgage rates while tackling high-interest debt. Learn how to use home equity. Without breaking your mortgage, it can help you regain ...
BoC Outlook: Mortgage & Renewal Rates Forecast 2026 Canada
The Bank of Canada may be done cutting rates, but millions of Canadians will still feel the shock of higher mortgage payments in 2026. Get expert insights on renewal and ...
@RossTaylorMoney Twitter
Check out Ross on Twitter for his personal insights on the latest financial, mortgage, and credit matters across the country.
First Time Home Buyers
Explore our first-time home buyer articles to learn how to navigate the stress test, compare rates, and make the most of government incentives with clarity and confidence.
Is 2026 a Good Time to Buy a Home in Toronto?
Is 2026 the right time to buy a home in Toronto? With prices cooling, rates stabilizing, and more listings available, conditions are shifting in buyers’ favor. This guide breaks down ...
Should You Buy a Toronto Condo Now or Wait Until 2026
Toronto's condo market is down nearly 20%, but is that a warning or a window of opportunity? This guide explores prices, risks, rent trends, and expert strategies to help first-time ...
What Are First-Time Homebuyer Mortgage Questions Every Canadian S...
This guide breaks down everything first-time buyers should know, including credit scores, amortization, and expert tips to secure the best mortgage strategy for your situation ...
What Are All The Closing Costs When Buying a Home in Canada?
Closing costs in Canada can add thousands to your home purchase. This guide walks you through every fee, from land transfer taxes to legal and hidden charges. Learn what to ...
Private Mortgages: When the door to the bank is closed.
Browse our private mortgage articles for clear guidance on alternative lending, approval challenges, and the strategies our team uses to help Canadians when the banks say no.
How Canadians Can Use Second Mortgages to Crush Debt in 2026
In 2026, second mortgages are helping Canadians preserve low first-mortgage rates while tackling high-interest debt. Learn how to use home equity. Without breaking your mortgage, it can help you regain ...
Why Are More Canadians Turning to Private Mortgages
When the door to the bank has been closed, private mortgages in Canada offer a lifeline. This guide explains how they work, who they help, and what it takes to ...
Can I Get a Mortgage After a Consumer Proposal in Canada?
Discover how to qualify for a mortgage in Canada after completing or during a consumer proposal ...
8 Key Things to Know Before Getting a Private Mortgage in Canada
Private mortgages can be a lifeline—but only if you know what you're getting into. This article shares 8 essential tips for Canadians considering a private mortgage, including red flags, lender ...
Reverse Mortgages
Explore our reverse mortgage articles to learn how these products help Canadian retirees access their home equity with clarity, flexibility, and confidence.
What Is the Bloom Safe Rate Reverse Mortgage in Canada?
Bloom Safe Rate Reverse Mortgage changes the game for Canadian retirees. With a fixed interest rate for life, no penalties for moving, and flexible repayment terms, it provides stability and ...
Are Reverse Mortgages a Good Idea in Canada?
Reverse mortgages help Canadians 55+ stay in their homes, fund retirement, and plan legacies, tax-free and with no monthly payments, while retaining full ownership of their homes ...
Should We Be Worried About Our Parents Getting a Reverse Mortgage...
Many adult children fear that a reverse mortgage will jeopardize their inheritance or their parents’ home. This guide breaks down the facts, dispels myths, and explores how today’s Canadian reverse ...
Reverse Mortgages (55 yrs+)
Credit Repair & Consumer Proposal
Explore our articles on credit repair and consumer proposals to understand how recovery works in Canada and how our team helps you rebuild, regain momentum, and move toward your financial goals.
Why Are More Canadians Turning to Private Mortgages
When the door to the bank has been closed, private mortgages in Canada offer a lifeline. This guide explains how they work, who they help, and what it takes to ...
Can You Get A Mortgage After A Consumer Proposal? Yes—Here’s How
Wondering if homeownership is possible after a consumer proposal? Discover how one reader cleared debt, rebuilt credit, and leveraged a vendor take-back mortgage to buy land and a home—plus expert ...
Can I Get a Mortgage After a Consumer Proposal in Canada?
Discover how to qualify for a mortgage in Canada after completing or during a consumer proposal ...
8 Key Things to Know Before Getting a Private Mortgage in Canada
Private mortgages can be a lifeline—but only if you know what you're getting into. This article shares 8 essential tips for Canadians considering a private mortgage, including red flags, lender ...
Canadian Mortgage Trends
Ross is a frequent author on Canadian Mortgage Trends, where he offers personal insights and deep dives into the mortgage industry. Read his latest articles below.
GTA News
Get the latest updates and analysis on the Greater Toronto Area’s real estate market, including key trends and developments affecting homebuyers and investors.
Is 2026 a Good Time to Buy a Home in Toronto?
Is 2026 the right time to buy a home in Toronto? With prices cooling, rates stabilizing, and more listings available, conditions are shifting in buyers’ favor. This guide breaks down ...
How Canadians Can Use Second Mortgages to Crush Debt in 2026
In 2026, second mortgages are helping Canadians preserve low first-mortgage rates while tackling high-interest debt. Learn how to use home equity. Without breaking your mortgage, it can help you regain ...
Can I Use Cryptocurrency as a Down Payment for a House in Canada?
Want to use your Bitcoin or Ethereum to buy a home in Canada? This guide breaks it all down, step-by-step. You’ll need to convert it to CAD, have it in ...
BoC Outlook: Mortgage & Renewal Rates Forecast 2026 Canada
The Bank of Canada may be done cutting rates, but millions of Canadians will still feel the shock of higher mortgage payments in 2026. Get expert insights on renewal and ...
Bank of Canada Updates
Get updates on the latest rate announcements and clear guidance on what each change means for your mortgage, your budget, and your homebuying goals.
Looking for something else?
Dive into our comprehensive archive of articles covering a wide range of topics from mortgages and credit to personal finance and market trends, all designed to educate and inform Canadians.
Is 2026 a Good Time to Buy a Home in Toronto?
Is 2026 the right time to buy a home in Toronto? With prices cooling, rates stabilizing, and more listings available, conditions are shifting in ...
How Canadians Can Use Second Mortgages to Crush Debt in 2026
In 2026, second mortgages are helping Canadians preserve low first-mortgage rates while tackling high-interest debt. Learn how to use home equity. Without breaking your ...
Can I Use Cryptocurrency as a Down Payment for a House in Canada?
Want to use your Bitcoin or Ethereum to buy a home in Canada? This guide breaks it all down, step-by-step. You’ll need to convert ...
BoC Outlook: Mortgage & Renewal Rates Forecast 2026 Canada
The Bank of Canada may be done cutting rates, but millions of Canadians will still feel the shock of higher mortgage payments in 2026 ...
Can I Use Cryptocurrency To Buy A House In Canada?
Buying a house with cryptocurrency in Canada is possible, but only if you follow the right steps. This guide explains how to convert Bitcoin ...
What Is the Bloom Safe Rate Reverse Mortgage in Canada?
Bloom Safe Rate Reverse Mortgage changes the game for Canadian retirees. With a fixed interest rate for life, no penalties for moving, and flexible ...
Why Are More Canadians Turning to Private Mortgages
When the door to the bank has been closed, private mortgages in Canada offer a lifeline. This guide explains how they work, who they ...
Should You Buy a Toronto Condo Now or Wait Until 2026
Toronto's condo market is down nearly 20%, but is that a warning or a window of opportunity? This guide explores prices, risks, rent trends, ...
Will the Bank of Canada Cut Rates on September 17th?
Wondering if the Bank of Canada will cut interest rates on September 17th? Economic signals, and what they mean for your mortgage, whether you’re ...
What Are First-Time Homebuyer Mortgage Questions Every Canadian S...
This guide breaks down everything first-time buyers should know, including credit scores, amortization, and expert tips to secure the best mortgage strategy for your ...
What Are All The Closing Costs When Buying a Home in Canada?
Closing costs in Canada can add thousands to your home purchase. This guide walks you through every fee, from land transfer taxes to legal ...
Bank of Canada’s 3 Economic Scenarios: What They Mean for Your Mo...
The Bank of Canada took a rare step in July 2025 by laying out three distinct economic scenarios instead of one forecast. Whether tariffs ...
Can You Get A Mortgage After A Consumer Proposal? Yes—Here’s How
Wondering if homeownership is possible after a consumer proposal? Discover how one reader cleared debt, rebuilt credit, and leveraged a vendor take-back mortgage to ...
Will the Bank of Canada Cut Rates on July 30th?
Wondering if the Bank of Canada will cut rates on July 30, 2025? Learn what economists expect, how a rate cut could impact variable ...
Why Are So Many Canadian Homes Selling Below Asking Price This Su...
Homes in Toronto are selling for tens of thousands under asking this summer, marking a major market reset. Economic uncertainty and rising listings are ...
Canada Housing Market 2025: City-by-City Summer Update
Summer 2025 brings major real estate shifts. From Vancouver’s buyer’s market to Montreal’s seller surge, find out where your city stands now ...