

Ross Taylor

Ross Taylor


How to keep your home after separation—even if you don’t qualify alone
Separation and divorce are hard enough without throwing mortgage stress into the mix. One of the most emotional questions we hear is, ‘I want to keep the house, but I don’t make enough on my own to qualify—what can I do?’

Low appraisals are back—don’t let them kill your financing
Appraisals have become a bit of a wildcard lately. More and more, they’re coming in lower than expected—which can seriously throw off your plans, whether you’re buying or refinancing.

When can a seller lend you money? What to know about vendor take-back mortgages
Homebuyers looking to bridge a financing shortfall sometimes consider asking the seller for help. One option that occasionally comes up is a vendor take-back (VTB) mortgage, where the seller lends a portion of the purchase price to the buyer, typically as a second mortgage.

Why private mortgage presentation matters: Red flags to watch for
In this article, we’ll explore the topic of private mortgage solicitations. And trust me, it’s more exciting than watching paint dry (though perhaps not as relaxing).

Pre-construction purchases: Beware of closing day surprises
Recently, we helped a couple navigate the process of buying a pre-construction condo townhome. Their journey left them frustrated and vowing never to buy pre-construction again.

New year, better mortgage rates: Credit tips to get you there
As we step into a new year, it’s a great time to reassess your financial habits and ensure your credit profile is in top shape.

A First Home Savings Account should be on every first-time buyer’s holiday wish list
Introduced in April 2023, the First Home Savings Account (FHSA) is a game-changer for Canadians looking to save for their first home.

Pros and cons of a 10-year fixed mortgage: Is stability worth the cost?
The 10-year mortgage has long been a niche product in the Canadian mortgage market.

Pros and cons of the new federal secondary suite programs
Comparing two federal programs to help Canadians build rental suites: a $40,000 loan or a mortgage refinance option