ross taylor Archives - Mortgage Rates & Mortgage Broker News in Canada

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?’

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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.

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.

Proof of down payment: The biggest hurdle for mortgage professionals

August 2, 2024 1 Comment

For mortgage professionals, verifying a client’s down payment sources can be one of the most challenging aspects of the mortgage approval process.

How a private bridge mortgage can save the day when your home hasn’t sold

July 17, 2024 No Comments

Selling your home while purchasing a new one can sometimes feel like a balancing act, especially when the sale of your current home doesn’t align with your next purchase.

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