Mortgage insights

Straight answers for your next mortgage move.

Practical guidance on buying, refinancing, renewing, and self-employed mortgages in Ottawa and across Ontario.

October 28, 2026 · 3 min read

Is a mortgage broker worth it in Ottawa?

A practical Ottawa checklist for deciding between a mortgage broker and your bank, with fee questions to ask and a worked rate example.

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October 26, 2026 · 4 min read

Mortgage broker vs bank in Ontario: which is better?

A side-by-side look at using a mortgage broker or your bank in Ontario, covering lender choice, term, penalty, flexibility, and who each option suits.

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October 26, 2026 · 3 min read

How to get a mortgage when you're self-employed in Ontario

A step-by-step guide for self-employed Ontarians: what documents to gather, how lenders count your income, standard versus stated-income routes, and how to compare lenders.

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October 26, 2026 · 3 min read

How much mortgage can I afford in Canada?

Mortgage affordability in Canada depends on the share of income going to housing, a stress-test rate, and extra monthly costs. Here's a worked example.

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October 25, 2026 · 3 min read

How do mortgage brokers get paid in Canada?

Canadian mortgage brokers are usually paid a commission by the lender when a mortgage closes. Learn typical ranges, a $500,000 example, when fees apply, and what to ask in Ontario.

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October 24, 2026 · 3 min read

Can you refinance your mortgage to consolidate debt?

How a debt-consolidation refinance works for Ontario homeowners, what you need first, the steps to compare costs, and when it doesn't help.

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