Mortgage Blog
How to Switch Mortgage Lenders in Ontario at Maturity: Timeline, Discharge, and What to Do 90 Days Out
October 11, 2026 | Posted by: Matt Shepherd
Most Ontario homeowners treat the bank renewal letter as the decision. It is not. At maturity you can often switch lenders - discharge the old mortgage and register a new one - witho ...
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The Ultimate Guide to Cash-Out Refinance in Canada: Unlock Your Home Equity
October 10, 2026 | Posted by: Matt Shepherd
What is a Cash-Out Refinance and How Can It Help You? If you own a home in Burlington, ON, or the surrounding areas, you might be sitting on a significant amount of untapped wealth. A cash ...
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Master the RRSP Home Buyers Plan in Burlington
October 7, 2026 | Posted by: Matt Shepherd
What is the RRSP Withdrawal Program for First Time Buyers? If you are looking to purchase your first home in Burlington, Ontario, navigating the financial requirements can feel overwhelming. Fo ...
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HELOC vs a Second Mortgage in Burlington: How Ontario Homeowners Fund a Reno or Buyout
October 7, 2026 | Posted by: Matt Shepherd
A Burlington homeowner who wants a kitchen, a legal basement suite, or a buyout of a sibling after a parent dies does not always need to break a closed first mortgage. Two common paths sit sid ...
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Mortgage Prepayment Penalties in Burlington: Three Months' Interest or the IRD
October 7, 2026 | Posted by: Matt Shepherd
Burlington mortgage penalty fees often surprise homeowners when they list their house, accept an offer, and hear the lender wants thousands to end the loan early. That charge is a prepaym ...
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Mortgage Renewal 2026: What a Rate Hold Means for You
October 7, 2026 | Posted by: Jason Woods
Renewing Your Mortgage This Fall? What a Bank of Canada Rate Hold Means for You Your mortgage renewal arrives, and the payment is higher than you expected. Yet the latest headline says the Bank ...
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Self-Employed Mortgages in Burlington 2026: Notice of Assessment, Add-Backs, and the Stress Test
October 4, 2026 | Posted by: Matt Shepherd
Self-employed buyers in Burlington, Oakville, Hamilton, and Milton often have income that is real and a Notice of Assessment that looks small after write-offs. Banks that only read Line 15000 ...
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The Ultimate Guide to Getting a Home Equity Loan in Canada
October 3, 2026 | Posted by: Matt Shepherd
The Ultimate Guide to Getting a Home Equity Loan in Canada Understanding Equity Based Loans and How They Work If you own a home in Burlington, ON, or the surrounding areas like Hamilton, Oakvi ...
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The Complete Guide to a Construction-to-Permanent Mortgage in Burlington
October 2, 2026 | Posted by: Matt Shepherd
Understanding the Construction Mortgage Canada Process Building your dream custom home in Burlington, ON, is an exciting milestone. However, financing a new build requires a specialized approac ...
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The Complete Guide to a Reverse Mortgage in Canada
September 30, 2026 | Posted by: Matt Shepherd
Understanding Reverse Mortgages and Reverse Loans in Burlington If you are a homeowner in Burlington, ON or the surrounding areas like Oakville and Hamilton, you might be exploring ways to ...
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