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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  • Explore our featured articles highlighting essential mortgage insights, trending topics, and strategic financial advice.

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    What Are the Best Mortgage Strategies for Spring 2025?
    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 ...
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    Ross Taylor Mortgages - Bank of Canada Cuts Interest Rate to 2.75%—What It Means for You and the Housing Market
    The Bank of Canada Cuts Rates Amid Trade Tensions—Is More Relief Coming?
    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 variable-rate mortgage holders and raises questions ...
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    Ross Taylor Mortgages - How Does Having a Co-signer Affect My Eligibility For First-Time Home Buyer Incentives in Canada
    How Does Having a Co-signer Affect My Eligibility For First-Time Home Buyer Incentives in Canada?
    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 ...
     

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    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. 

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    8 Ways the Federal Budget 2022 Affects You
    8 Ways the Federal Budget 2022 Affects You
    Federal Budget 2022 - Mortgage and Real Estate Impacts. Last week’s Federal Government 2022 Budget included a much-improved roadmap for first-time homebuyers to potentially save thousands in taxes when they ...

    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. 

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    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. 

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    getting a mortgage after a consumer proposal
    Getting A Mortgage After A Consumer Proposal
    Suppose you were in a consumer proposal and it’s now completely paid off. You have received your completion certificate from the trustee and now you want to buy a house, ...

    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. 

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    Ross Taylor Mortgages - Should I Renew or Refinance My Mortgage What to Do When Your Mortgage Ends
    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. Learn when and why refinancing may ...

    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. 

    Ross Taylor Mortgages - Why Are Global Events Driving the Bank of Canada Rate Hold
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    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 high. Here’s what it means for ...
    Ross Taylor Mortgages - BoC Outlook Mortgage & Renewal Rates Forecast 2026 Canada
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    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 ...
     

    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.


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