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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.
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 ...
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 ...
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 ...
@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.
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, and reduced red tape. Here's what ...
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 ...
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 smarter options like monoline lenders, and ...
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.
3 Things You Can Do When You Have Too Many Debts
If you’re a homeowner who wants to get on top of their debts in today's market, we generally offer 3 solutions. Debt can weigh heavily on anyone's shoulders, especially in ...
Private Second Mortgage Kept Pensioner In Her Home
This heartwarming story illustrates the human side of private mortgages -- how this mortgage product gave a pensioner relief from an unmanageable debt load, and allowed her to continue living ...
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 than just focusing on the interest rate, it's important to ...
When Is a Private Mortgage the Best Solution?
Regular home buyers with no problems to solve aren't who private mortgages were designed for. This article discusses when a private mortgage is the right solution. Number 2 in a ...
Reverse Mortgages
Explore our reverse mortgage articles to learn how these products help Canadian retirees access their home equity with clarity, flexibility, and confidence.
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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.
Canada’s Renter Bill of Rights Update: Impact of Rent Payments on...
Understanding the Potential Benefits & Challenges of the New Credit Score Integration for Renters In a bold move to reshape the Canadian housing market landscape, the government has proposed a ...
3 Things You Can Do When You Have Too Many Debts
If you’re a homeowner who wants to get on top of their debts in today's market, we generally offer 3 solutions. Debt can weigh heavily on anyone's shoulders, especially in ...
How Will Borrowers Be Impacted By CMHC’s Tougher Canadian Mortgag...
With a shell-shocked COVID-19 Canadian economy as backdrop, CMHC moved to tighten lending standards for insured mortgages. New rules for CMHC-insured mortgages are intended to reduce the risk of increasing ...
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 mortgage renewal, or wonder whether a ...
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 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 ...
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 ...
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 buying, refinancing ...
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 ...
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.
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” ...
What Are The 7 Essential Steps To Take When Co-Signing A Mortgage...
Thinking of co-signing a mortgage for a family member? It’s a generous act but comes with risks. In Part 2 of our series, we ...
What Are The Tax Implications of Co-signing a Mortgage in Canada?
P1: What You Need To Know About Cosigning a Mortgage In this four-part series on “What You Need To Know: Cosigning a Mortgage,” we’ll ...
Big Changes Coming To Canada’s Mortgage Rules: 8 Things You Need ...
Learn about the major changes to Canada’s mortgage rules on December 15th, 2024. Including higher loan caps and 30-year amortizations, this article answers 8 ...
10 Q&A: How Will USA Rate Cuts Affect Canadians?
U.S. Fed rate cut could lead to lower Canadian mortgage rates, giving homeowners a valuable opportunity to reduce their loan costs and save ...
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, ...
Bank of Canada Cuts Rates Again: What It Means For Current & Futu...
How does the Bank of Canada’s September 2024 rate cut affect your mortgage and the housing market? Get the answers Canadian homeowners and investors ...
Canadian Inflation Hits 41-Month Low: What It Means for Mississau...
As Canadian inflation reaches its lowest in 41 months, explore what this means for Mississauga homeowners and potential buyers. Get expert tips and forecasts ...
The Basics of Inflation and the Bank of Canada’s 2% Target Rate...
Find out how the Bank of Canada’s 2% inflation target helps stabilize the economy and what it means for your housing costs ...
Bank of Canada Rate Cut July 2024 Q&A: What It Means for Canadian...
Learn about the effects of the Bank of Canada's July 2024 rate cut on mortgages, refinancing, and the Canadian economy in our thorough Q&A ...
Policy Shifts & Economic Trends Impact on Toronto’s Real Estate M...
Toronto's housing market faces challenges with shifting immigration policies, economic fluctuations, and construction activities. Understand the impact on labour markets, regional housing pressures, and ...
Impact of Canada’s Immigration Policy Changes on Richmond Hill’s ...
Canada’s immigration policy changes may impact Richmond Hill’s real estate market. With potential housing oversupply and lower property values, it’s a crucial time for ...
4 Tips for Mississauga Residents on How to Choose the Right Mortg...
Mississauga residents learn why a trustworthy broker is crucial for their financial health. 4 Key factors for evaluating brokers and securing the best mortgage ...
Ottawa Housing Trends 2024 – What Buyers & Sellers Need to Know...
Stay informed on Ottawa's real estate market: a 1.2% rise in home prices and balanced inventory levels create opportunities for all buyers ...
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 ...
Canada’s Renter Bill of Rights Update: Impact of Rent Payments on...
Understanding the Potential Benefits & Challenges of the New Credit Score Integration for Renters In a bold move to reshape the Canadian housing market ...