
Mortgage Strategies
The stories found here are focused on providing mortgage tips and strategies to help you achieve your goals. Whether that be saving interest, increasing your cash flow, limiting potential mortgage penalties, we’ve got you covered.


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.

With prepayment penalties surging, game-changing new tool helps borrowers weigh their options
As prepayment penalties climb, many borrowers are left in the dark about the true cost of breaking their mortgage. Now, a first-of-its-kind tool is bringing much-needed transparency, helping borrowers and brokers assess whether making a move could lead to significant savings.

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.

Unlocking Financial Freedom: How Canadians 55+ are re-imagining retirement
Happiness, as psychologists often point out, can be elusive. However, a recent study sponsored by HomeEquity Bank reveals that Canadians aged 55 and better are unlocking the keys to happiness and satisfaction in their own unique way.

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.

Thinking of gifting a down payment this holiday season? Here’s what you should know
With the holiday season in full swing, many Canadians are focused on gift giving. For some, that includes helping loved ones take their first steps toward homeownership with a financial contribution for their down payment.