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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.
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- First Time Home Buyer Articles
- Private Mortgages: When the door to the bank is closed.
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- 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.
Why Wait for Your FHSA Tax Refund? Get It on Every Paycheque
Your FHSA tax refund doesn't have to wait until spring. With FHSA payroll at work, or an approved CRA letter of authority, you could keep more of every paycheque while ...
Are Canadian Home Prices Going Down in 2026 and 2027?
Are home prices going down? In dollars, Canadian home prices barely moved in five years. After inflation, the average home buys over $100,000 less, and 2027 looks soft. Here's why ...
Inflation Is Down. So Why Aren’t Fixed Mortgage Rates?
Core inflation has dropped from 5.45% to 1.95%, yet five-year bond yields are higher than in 2022. That's why fixed rates keep rising, and why a deeply discounted variable now ...
@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.
Why Wait for Your FHSA Tax Refund? Get It on Every Paycheque
Your FHSA tax refund doesn't have to wait until spring. With FHSA payroll at work, or an approved CRA letter of authority, you could keep more of every paycheque while ...
Are Canadian Home Prices Going Down in 2026 and 2027?
Are home prices going down? In dollars, Canadian home prices barely moved in five years. After inflation, the average home buys over $100,000 less, and 2027 looks soft. Here's why ...
Can You Be a First-Time Home Buyer Twice in Ontario?
You owned a home once, sold it, and rented for years. Federally, you're likely a first-time home buyer again. In Ontario, you never will be. That gap costs Toronto buyers ...
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 ...
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.
10 Smart Ways to Manage Higher Mortgage Payments in 2026
If your mortgage renews in 2026 and you can’t afford your new payment, you’re not alone and you’re not out of options. Learn 10 smart ways to reduce and manage ...
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 ...
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.
Should You Sell Your Home Before Things Get Worse?
More Canadians are being pushed toward selling as mortgage renewals spike, payments, and equity disappear. Learn the warning signs, why acting early protects your credit, and what a financial reset ...
10 Smart Ways to Manage Higher Mortgage Payments in 2026
If your mortgage renews in 2026 and you can’t afford your new payment, you’re not alone and you’re not out of options. Learn 10 smart ways to reduce and manage ...
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 ...
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.
Why Wait for Your FHSA Tax Refund? Get It on Every Paycheque
Your FHSA tax refund doesn't have to wait until spring. With FHSA payroll at work, or an approved CRA letter of authority, you could keep more of every paycheque while ...
Are Canadian Home Prices Going Down in 2026 and 2027?
Are home prices going down? In dollars, Canadian home prices barely moved in five years. After inflation, the average home buys over $100,000 less, and 2027 looks soft. Here's why ...
Inflation Is Down. So Why Aren’t Fixed Mortgage Rates?
Core inflation has dropped from 5.45% to 1.95%, yet five-year bond yields are higher than in 2022. That's why fixed rates keep rising, and why a deeply discounted variable now ...
How Do U.S. Rate Hikes Affect Canadian Mortgage Rates?
The Bank of Canada has held at 2.25% for seven straight decisions, and Canadian fixed mortgage rates went up anyway. Your five-year fixed is priced by the global bond market, ...
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.
Why Wait for Your FHSA Tax Refund? Get It on Every Paycheque
Your FHSA tax refund doesn't have to wait until spring. With FHSA payroll at work, or an approved CRA letter of authority, you could ...
Are Canadian Home Prices Going Down in 2026 and 2027?
Are home prices going down? In dollars, Canadian home prices barely moved in five years. After inflation, the average home buys over $100,000 less, ...
Inflation Is Down. So Why Aren’t Fixed Mortgage Rates?
Core inflation has dropped from 5.45% to 1.95%, yet five-year bond yields are higher than in 2022. That's why fixed rates keep rising, and ...
How Do U.S. Rate Hikes Affect Canadian Mortgage Rates?
The Bank of Canada has held at 2.25% for seven straight decisions, and Canadian fixed mortgage rates went up anyway. Your five-year fixed is ...
Can You Be a First-Time Home Buyer Twice in Ontario?
You owned a home once, sold it, and rented for years. Federally, you're likely a first-time home buyer again. In Ontario, you never will ...
Should You Sell Your Home Before Things Get Worse?
More Canadians are being pushed toward selling as mortgage renewals spike, payments, and equity disappear. Learn the warning signs, why acting early protects your ...
Why Are Global Events Driving the Bank of Canada Rate Hold?
The Bank of Canada rate hold is being driven by global pressure. Oil prices, US inflation, and rising bond yields are keeping mortgage rates ...
What Will Happen to My Mortgage Payments When My Low Rate Expires...
Millions of Canadians will face mortgage payment increases in 2026 as low pandemic rates expire. Learn the steps you can take to avoid payment ...
10 Smart Ways to Manage Higher Mortgage Payments in 2026
If your mortgage renews in 2026 and you can’t afford your new payment, you’re not alone and you’re not out of options. Learn 10 ...
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 ...