HELOC or fixed? Why the payoff clock matters more
Consolidating debt while rates are moving: why the payoff clock matters more than fixed vs. HELOC If you’re consolidating debt into your home this fall, someone has probably…
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The Bank of Canada’s rate hold: what it changes for buyers, renewals and refinances
This morning the Bank of Canada announced another rate hold, leaving its overnight rate at 2.25% for the seventh consecutive decision. The Bank pointed to a fluid picture:…
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What a reverse mortgage actually costs an Ontario retiree
What a reverse mortgage actually costs an Ontario retiree — and the four myths worth retiring first. House-rich and cash-tight is one of the most common situations I…
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Renewing this year? 42% of Canadians just switched to variable — here’s the math
Mortgage renewal in 2026: how to choose between fixed and variable Something notable is happening at the mortgage renewal table. According to CMHC’s Spring 2026 Residential Mortgage Industry…
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Self-employed? How lenders actually read your income for a mortgage
Self-employed in Ontario? Here’s how lenders actually prove your income for a mortgage If you run your own business, you’ve probably been coached for years to keep your…
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When your renewal payment jumps $600: three moves that actually help
If you took out a five-year fixed mortgage in 2021, you locked in at roughly half of today’s rates. That was a smart move at the time. The…
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