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You followed the rabbit
Down the mortgage rabbit hole.
Fourteen mortgage strategies most people never hear about, because they don't fit in a headline rate. Scroll to fall deeper.
Why this page exists
Here's what got me into mortgages in the first place.
Strategies like these. Few people know they exist, and even fewer take the time to understand how to apply them to their own mortgage.
Used at the right moment, they can help you avoid a penalty, pay less interest, or build equity sooner. Used at the wrong moment, they can cost you. That's why every card below shows the catch, too.
- Avoid penalties
- Pay less interest
- Build equity sooner
- Keep your options open
Edi MarinescuLicensed Ontario Mortgage Broker
Level 1, about 12 m down
Mid-term moves
Level 2, about 58 m down
Buying and qualifying
Level 3, about 132 m down
Later in life
You've reached the bottom.
Want to know which of these fits you? Every one depends on your lender, your numbers and your plans.
These strategies are general information about mortgages in Ontario, not legal, tax or financial advice. Availability, rules and costs vary by lender, insurer and program and can change. Reviewed 2026-10-22. Qualification depends on lender underwriting. Rates, terms, fees and penalties vary by lender and are subject to change. Examples are illustrative only and are not a commitment to lend.