Mortgage knowledge, without the noise.
Explanations of how lenders assess income, property and risk. Each article is dated and reviewed when rules change.
- Self-employed, 6 min readHow Ontario lenders assess self-employed mortgage applicantsWhat lenders review when your income comes from a business: T1 Generals, Notices of Assessment, dividends, financial statements and add-backs.
- Commercial, 5 min readCommercial mortgage DSCR, explainedHow the debt service coverage ratio is calculated, why lenders use it alongside loan-to-value, and what affects the result.
- Renewals, 5 min readWhat to review before renewing your mortgageA practical checklist for your Ontario mortgage renewal: timing, switching lenders, terms, prepayment privileges and when a refinance makes more sense.
Quick check
Myth or fact?
Six things people believe about mortgages. Make your call on each one.
0 / 0 right so far
“The lowest rate is always the cheapest mortgage.”
“Breaking a fixed-rate mortgage early can cost far more than three months' interest.”
“You need 20% down to buy a home in Canada.”
“Your renewal offer is your only option.”
“Self-employed borrowers can't get a mortgage from a major lender.”
“A pre-approval guarantees your mortgage.”
General information, not advice. Rules and lender policies change; what applies to you depends on your situation.
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