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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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Featured Articles
Explore our featured articles highlighting essential mortgage insights, trending topics, and strategic financial advice.
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 ...
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 or Ethereum into mortgage-ready funds, what ...
@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 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 giving buyers the edge. Find out ...
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 ...
Toronto Housing Market 2025: Should You Buy Now?
Toronto’s housing market is shifting in 2025. With prices softening, listings up, and mortgage rates steady, buyers have more power than ever—if they’re ready ...
Toronto Condos: Smart Living or “Dog Crates”?
The term “dog crate condo” may sound catchy, but it unfairly mocks small Toronto units and their residents. This article explores how policy, market forces, and urban design—not developer greed—shaped ...
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.
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 ...
How Can You Avoid Falling for the Wrong Private Mortgage Deal?
Want higher returns with private mortgage lending? Discover how savvy investors are funding private mortgage deals in Canada for big gains. Learn the pros, cons, and insider tips to secure ...
7 Things You Need To Know About Bridge Mortgages
If your current home will not be sold prior to buying your next home, you probably need a bridge mortgage. The cost and ability to access such financing can vary ...
10 Real Estate & Financing Challenges – When to Consider a Privat...
Buying a New Home Before Selling? The Dilemma of an Unsold Property Note to our reader: For client privacy, the names of the subjects in this story have been changed ...
Reverse Mortgages
Explore our reverse mortgage articles to learn how these products help Canadian retirees access their home equity with clarity, flexibility, and confidence.
Ten Facts About Reverse Mortgages
Ten facts about reverse mortgages. As more seniors look to this type of financing to help their adult children as well as finance their retirement, this mortgage product is becoming ...
Time to review your will
If you haven't reviewed your will recently - do it now I am always amazed at how few of my clients have prepared a last will and testament. There are ...
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.
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 ...
What Are the Best Mortgage Strategies for Spring 2025?
Don’t miss out on what’s happening in Canada’s real estate and mortgage markets this spring. We break down all the key trends, policy changes, and money-saving strategies homeowners and first-time ...
How Does Having a Co-signer Affect My Eligibility For First-Time ...
Thinking about using a co-signer for your first home purchase? While it can help you secure a mortgage, it might affect your access to valuable first-time home buyer incentives in ...
7 Risks & Essential Tips For Co-Signing A Loan For Someone With ...
P3: What You Need To Know About Cosigning a Mortgage In Part 2 of our “What You Need To Know About Cosigning a Mortgage” series, we explored the steps to ...
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.
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 ...
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 or Ethereum into mortgage-ready funds, what ...
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 ...
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 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 ...
Can I Use My Home Equity To Pay Off My CRA Debt?
If you owe the CRA and own a home, you may be able to use your home equity to pay off tax debt 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 ...
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, ...
Stop Chasing Rates: Smarter Mortgage Moves for 2025
Chasing the lowest mortgage rate in 2025 might cost you more than you think. Discover five powerful strategies to build wealth and financial freedom ...
Toronto Housing Market 2025: Should You Buy Now?
Toronto’s housing market is shifting in 2025. With prices softening, listings up, and mortgage rates steady, buyers have more power than ever—if they’re ready ...
Should I Renew or Refinance My Mortgage in Canada?
Renewing your mortgage may feel convenient, but it could cost you. Refinancing offers a chance to lower your rate, access equity, and avoid penalties ...
Toronto Condos: Smart Living or “Dog Crates”?
The term “dog crate condo” may sound catchy, but it unfairly mocks small Toronto units and their residents. This article explores how policy, market ...
What Mark Carney’s Win Means for the Canadian Housing Market...
With the Liberals securing a minority in 2025, housing reform is top of mind. Promises include GST relief for first-time buyers, massive homebuilding targets, ...
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 ...
What Are the Best Mortgage Strategies for Spring 2025?
Don’t miss out on what’s happening in Canada’s real estate and mortgage markets this spring. We break down all the key trends, policy changes, ...
The Bank of Canada Cuts Rates Amid Trade Tensions—Is More Relief ...
The Bank of Canada has cut its benchmark interest rate to 2.75%—its seventh consecutive reduction—amid rising U.S. tariffs and economic uncertainty. This move impacts ...
How Does Having a Co-signer Affect My Eligibility For First-Time ...
Thinking about using a co-signer for your first home purchase? While it can help you secure a mortgage, it might affect your access to ...
Paying More Than You Should? 5 Things You Need To Know About Big ...
Paying more than you should for your mortgage? Discover 5 things you need to know about big bank mortgages in Canada—uncover hidden costs, explore ...