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Mortgage FAQs

Mortgages 101 — What You Need to Know Before Applying For a Mortg...
Most first-time buyers lack sufficient funds to purchase their home outright and require loan financing (a mortgage) to make it ...

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 ...

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 ...

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 ...

The Joy of Helping Families Find the Right Mortgage
Here, Tenely gives us the highlight reel of the amazing military families that recently walked “through the doors” of Ross ...

Demystifying Military Moves and Mortgages
Demystifying Military Moves and Mortgages. Get the full scoop on a successful move in this VIDEO starring Tenely, mortgage agent ...

The Single Biggest Mistake Made By First Time Home Buyers
Can You Guess The Biggest Mistake First Time Home Buyers Frequently Make? Hint: It’s NOT choosing the wrong paint colour! ...

What You Need to Know About Mortgage Co-signing
Thanks to tighter mortgage qualification rules and higher-priced real estate—particularly in the greater Vancouver and Toronto areas—it’s not always easy ...

How To Buy A Home In The HOT, HOT, HOT Ottawa Market
The Ottawa Region has been on a tear for a few years now, and there is no sign of things ...

How To Pay Your Property Taxes
Property tax bills come in three separate chunks throughout the year. But what is the best–easiest, smartest, fastest way to ...

State of the GTA Market February 2018
Here we spoke to several real estate agents who are leaders in their respective markets and gained insights of where ...

What Does Mortgage Stress Test Mean?
Here we explain the mortgage stress test - what it means, why it exists, and how it affects you the ...

ASKROSS Answers: As A First Time Home Buyer, How Do I Use My RRSP...
A first time buyer with questions about tapping into their RRSP when buying their first home comes up quite often ...

ASKROSS Decodes Mortgage Lingo: Loan To Value And High Ratio
Here we explain what “loan to value ratio” means, and also the all important “hi ratio mortgage”. This is when ...

Why Does Small Down Payment Get A Lower Mortgage Rate?
It's counter-intuitive that high-ratio higher-risk mortgages qualify for lower interest rates, and banks will compete to go lower. We explain ...

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 ...