Ross Taylor

Thinking of a private mortgage? Here’s what lenders want to see

May 6, 2025 1 Comment

Private mortgages continue to play an important role in today’s Canadian housing market, especially as traditional lending guidelines tighten. Yet many borrowers are surprised to learn that private lenders don’t simply look at one or two factors — they assess a wide range of details that can make or break a deal.

How to keep your home after separation—even if you don’t qualify alone

April 17, 2025 No Comments

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?’

Value Connect appraisal management company

Low appraisals are back—don’t let them kill your financing

April 4, 2025 No Comments

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

March 24, 2025 1 Comment

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

March 9, 2025 No Comments

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

January 6, 2025 1 Comment

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

January 3, 2025 No Comments

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

December 24, 2024 No Comments

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?

November 10, 2024 1 Comment

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

October 28, 2024 9 Comments

Comparing two federal programs to help Canadians build rental suites: a $40,000 loan or a mortgage refinance option

Ross Taylor

Ross Taylor

Thinking of a private mortgage? Here’s what lenders want to see

How to keep your home after separation—even if you don’t qualify alone

Low appraisals are back—don’t let them kill your financing

When can a seller lend you money? What to know about vendor take-back mortgages

Why private mortgage presentation matters: Red flags to watch for

Pre-construction purchases: Beware of closing day surprises

New year, better mortgage rates: Credit tips to get you there

A First Home Savings Account should be on every first-time buyer’s holiday wish list

Pros and cons of a 10-year fixed mortgage: Is stability worth the cost?

Pros and cons of the new federal secondary suite programs

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