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Good Credit Hygiene Saves Over $100K On Typical Mortgage
Good Credit Hygiene Saves Over $100K On Typical Mortgage
Many services are available to give Canadians free access to their credit scores, but the problem is they all provide different results. No industry standards exist to ensure ...
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Ready To Buy A Home? How To Assemble A Great Support Team
Ready To Buy A Home? How To Assemble A Great Support Team
Everyone needs a home-buying support team that includes a real estate agent, mortgage specialist, and real estate lawyer. As you search for the right team members, it's helpful to know ...
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First Time Homebuyer? The Government Wants To Give You Money.
First Time Homebuyer? The Government Wants To Give You Money.
How to get your share of government financial incentives available Canadian first time homebuyers. There's lots available, but in most cases you need to ask for what you're entitled to ...
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Recent Articles

First Time Homebuyer Mortgage Checklist
First Time Homebuyer Mortgage Checklist
When you are making plans to buy your first home, it's impossible to know what you don't know. This first time homebuyer mortgage checklist offers insights into the process and ...
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What's The Best Mortgage Rate?
What’s The Best Mortgage Rate?
Published: • Reputable mortgage specialists do not believe the number one factor in selecting a mortgage is the interest rate. Once you understand what type of mortgage you ...
Read More
Ready To Buy A Home? How To Assemble A Great Support Team
Ready To Buy A Home? How To Assemble A Great Support Team
Everyone needs a home-buying support team that includes a real estate agent, mortgage specialist, and real estate lawyer. As you search for the right team members, it's helpful to know ...
Read More
Your Down Payment
Why You Need A Down Payment Strategy
Having the right down payment strategy can save you a lot of money in the long term, and pay back with more equity growth in your new home. Learn the ...
Read More

COVID-19

How to Fix or Rebuild Credit Fast in Canada
How to Fix or Rebuild Credit Fast in Canada
Situations often arise where a new , or car loan/lease, is impacted by a credit score that's lower than ...
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COVID-19 Impact on Canadians' Financial Well-Being
COVID-19 Impact on Canadians’ Financial Well-Being
Running commentary and news updates on COVID-19's impact on banking, real estate, mortgages, government relief programs, personal credit, and other ...
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COVID-19 EI Benefits and CERB Updates -- Q & A from Social Media
COVID-19 EI Benefits and CERB Updates — Q & A from Soc...
Stay at home orders have forced many Canadians to be temporarily out of work and collecting government benefits for the ...
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COVID-19 Q & A: Is It Possible to Renew a Mortgage While In a Consumer Proposal?
COVID-19 Q & A: Is It Possible to Renew a Mortgage While In ...
A reader asks whether COVID-19 has affected her ability to renew a mortgage while still in a consumer proposal, and ...
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Mortgages 101 -- What You Need to Know Before Applying For a Mortgage
Mortgages 101 — What You Need to Know Before Applying For a...
Most first-time buyers lack sufficient funds to purchase their home outright and require loan financing (a mortgage) to make it ...
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Good Credit Hygiene Saves Over $100K On Typical Mortgage
Good Credit Hygiene Saves Over $100K On Typical Mortgage
Many services are available to give Canadians free access to their credit scores, but the problem is they all provide ...
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What Does a Private Mortgage Cost?
What Does a Private Mortgage Cost?
Private mortgages have a number of costs you may not expect, and different terms and benefits than traditional mortgages. Rather ...
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Private Mortgage FAQs: What Is a Private Mortgage and When Would You Need One?
Private Mortgage FAQs: What Is a Private Mortgage and When Would ...
Despite increasing in market share by nearly 50% in less than a year, most Canadians don't know what private mortgages ...
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How To Bypass Canada's Mortgage Stress Test When It Gives a False Negative
How To Bypass Canada’s Mortgage Stress Test When It Gives a...
Canada's mortgage stress test was designed to help ensure Canadians don’t overstep their financial means. However, there are special cases ...
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What is a Consumer Proposal?
What is a Consumer Proposal?
Consumer proposals are an important part of the Canadian insolvency process, and are the main alternative to filing for bankruptcy ...
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Using Home Equity Loan to Pay Off CRA Tax Debt
Using Home Equity Loan to Pay Off CRA Tax Debt
Tax arrears Is a debt that can't be negotiated away, with a creditor you can't afford to ignore. It's never ...
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Mortgage Pre-Approval In Canada: What It Is & How To Get It
Mortgage Pre-Approval In Canada: What It Is & How To Get It
Mortgage is used by lenders to “vet” borrowers and estimate spending ability for a home purchase. Seven factors determine ...
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First Time Home Buyers Ontario: Everything You Need to Buy Your First Home
First Time Home Buyers Ontario: Everything You Need to Buy Your F...
In this primer for first time homebuyers, we examine how you know you're ready to take the leap, 7 steps ...
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Can You Be Denied A Mortgage Renewal? Mortgage Renewal Advice From ASKROSS.ca
Can You Be Denied A Mortgage Renewal? Mortgage Renewal Advice Fro...
Canada's mortgage stress test and a new international accounting standard -- IFSR 9 -- are creating tremendous uncertainty for mortgage ...
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mortage renewal 700450X THUMBNAIL (1)
Mortgage Renewal Tips For Ontario
Auto-renewing your mortgage is easy, but can be a very poor financial decision. These top 3 mortgage renewal tips will ...
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Alternative Mortgage Lenders Canada: Bad Credit, Private & Second Mortgages
Alternative Mortgage Lenders Canada: Bad Credit, Private & ...
The media paints alternative lenders as shadowy, less-than-reputable lenders who prey on desperate homebuyers. We look at the important role ...
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Buying a Home After a Consumer Proposal
Buying a Home After a Consumer Proposal
Buying a home after a consumer proposal is a real possibility, but you must prepare for the challenge ...
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Two Ways To Pay Off Your Consumer Proposal Early
Two Ways To Pay Off Your Consumer Proposal Early
Once your consumer proposal is approved, a new reality sets in and you adjust to a life of better budgeting ...
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The Myths About Co-Signing For a Mortgage
The Myths About Co-Signing For a Mortgage
What makes a strong mortgage co-signer? Not a great job, nor huge equity with tiny mortgage, nor a fantastic credit ...
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Private Second Mortgage Solved Big Problems
Private Second Mortgage Solved Big Problems
Private mortgages are great tools for solving specific types of problems. Homeowners who need to consolidate debts or pay off ...
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Early Pay Off Of Consumer Proposal Led To Best Mortgage Possible
Early Pay Off Of Consumer Proposal Led To Best Mortgage Possible
When the bank said 'no' to mortgage renewal because of a consumer proposal, switching to an alternative lender and paying ...
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You Must Review Your Credit History Before a Mortgage
You Must Review Your Credit History Before a Mortgage
Discovery of errors on a credit report at the last minute could have cost homebuyers the home they wanted if ...
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Why Refinancing Makes Sense
Why Refinancing Makes Sense
Refinancing your mortgage can be a great tool to achieve many different financial goals, from saving money by lowering your ...
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All Articles

First Time Homebuyer Mortgage Checklist
First Time Homebuyer Mortgage Checklist
When you are making plans to buy your first home, it's impossible to know what you don't know. This first time homebuyer mortgage checklist ...
Read More
What's The Best Mortgage Rate?
What’s The Best Mortgage Rate?
Published: • Reputable mortgage specialists do not believe the number one factor in selecting a mortgage is the interest rate. Once you understand what ...
Read More
Ready To Buy A Home? How To Assemble A Great Support Team
Ready To Buy A Home? How To Assemble A Great Support Team
Everyone needs a home-buying support team that includes a real estate agent, mortgage specialist, and real estate lawyer. As you search for the right ...
Read More
Your Down Payment
Why You Need A Down Payment Strategy
Having the right down payment strategy can save you a lot of money in the long term, and pay back with more equity growth ...
Read More
Mortgage Lingo You Need To Know
Mortgage Lingo You Need To Know
Glossary and explanation of important mortgage terms, with links to relevant articles that discuss the nitty gritty. Links to related concepts make this glossary ...
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Mortgage Pre-Approval FAQs
Mortgage Pre-Approval FAQs
Mortgage pre-approval is essential to knowing what your affordability range is before you make an offer to purchase a home. We explain how lenders ...
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Why Is My Mortgage Application Declined?
Why Is My Mortgage Application Declined?
Mortgage #FAILS. Learn the underwriting risk factors that lenders use when evaluating your mortgage application, and the top 10 reasons why you may not ...
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First Time Homebuyer? The Government Wants To Give You Money.
First Time Homebuyer? The Government Wants To Give You Money.
How to get your share of government financial incentives available Canadian first time homebuyers. There's lots available, but in most cases you need to ...
Read More
High Ratio Mortgages Explained
High Ratio Mortgages Explained
'High ratio mortgage' is a term many first time homebuyers haven't heard before, and often they don't understand how much it impacts what they ...
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Aftermath of COVID-19: Dramatic Shifts in Housing Supply, Demand and Costs
Aftermath of COVID-19: Dramatic Shifts in Housing Supply, Demand ...
Adjusting to a post COVID-19 world, many things will be different, some permanently. We analyze how Canadian housing markets, including supply, demand and costs ...
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10 Things Feature Images
Top 10 Things Your Home Buying Budget Needs To Include (In Additi...
How Do You Ensure Your Homebuying Budget Covers Everything You'll Need For Closing Day? Buyers quickly learn it's much more than just coming with ...
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How Will Borrowers Be Impacted By CMHC's Tougher Canadian Mortgage Qualification Rules?
How Will Borrowers Be Impacted By CMHC’s Tougher Canadian M...
With a shell-shocked COVID-19 Canadian economy as backdrop, moved to tighten lending standards for insured mortgages. New rules for CMHC-insured mortgages are intended ...
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How Long Do You Have to Wait After Completing a Consumer Proposal Before You Can Buy a House Or Condo?
How Long Do You Have to Wait After Completing a Consumer Proposal...
After a consumer proposal has been fully paid, many think about buying a home. If already homeowners, they may be concerned about their upcoming ...
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Why Your Credit History is So Bad After Completing a Consumer Proposal, and What You Can Do About It
Why Your Credit History is So Bad After Completing a Consumer Pro...
A horrible credit score after finishing a consumer proposal isn't necessarily your fault. Many who've completed a consumer proposal are surprised to learn that ...
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Mortgages 101 -- What You Need to Know Before Applying For a Mortgage
Mortgages 101 — What You Need to Know Before Applying For a...
Most first-time buyers lack sufficient funds to purchase their home outright and require loan financing (a mortgage) to make it work. In this article, ...
Read More
COVID-19 Financial Questions and Answers
COVID-19 Financial Questions and Answers
A running thread of reader questions and our answers and research about the impact of COVID-19 on your finances ...
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COVID-19 Q & A: Is It Possible to Renew a Mortgage While In a Consumer Proposal?
COVID-19 Q & A: Is It Possible to Renew a Mortgage While In ...
A reader asks whether COVID-19 has affected her ability to renew a mortgage while still in a consumer proposal, and whether it's possible to ...
Read More
COVID-19 EI Benefits and CERB Updates -- Q & A from Social Media
COVID-19 EI Benefits and CERB Updates — Q & A from Soc...
Stay at home orders have forced many Canadians to be temporarily out of work and collecting government benefits for the first time in their ...
Read More
COVID-19 Impact on Canadians' Financial Well-Being
COVID-19 Impact on Canadians’ Financial Well-Being
Running commentary and news updates on COVID-19's impact on banking, real estate, mortgages, government relief programs, personal credit, and other financial health matters of ...
Read More
Good Credit Hygiene Saves Over $100K On Typical Mortgage
Good Credit Hygiene Saves Over $100K On Typical Mortgage
Many services are available to give Canadians free access to their credit scores, but the problem is they all provide different results. No industry ...
Read More