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Canada’s “Missing Middle” homes — duplexes, townhouses, and low-rise apartments — are making a comeback. With a 44% surge in new builds across major cities, this mid-density housing offers faster, more affordable options that could help solve the nation’s housing supply crisis.

Don’t fear rising rates—plan for them. With a few smart moves, you can protect your cash flow, manage renewal shock, and keep your home finances stable.

Most lenders want two years of tax returns, NOAs, and bank statements to prove stable income. If paperwork is thin, alternative lenders may use deposits or contracts — at higher cost. With prep and the right broker, self-employment doesn’t block mortgage approval.

Mortgage rates follow bond yields and Bank of Canada policy. With the BoC rate at 2.75% and cuts likely later in 2026, fixed rates could ease toward 3.8%–4.2%, while variable rates may remain lower. Borrowers should weigh stability versus flexibility as spreads stay elevated.

Ultra-low mortgage rates are gone for good — 4–6% is the new normal. The key is planning ahead: secure pre-approvals, explore flexible mortgage options, and work with a broker to create a strategy that fits today’s market.

A family loan for a down payment can help you buy a home sooner without relying on a gifted down payment. With a clear written agreement, lenders will accept it just like any other personal loan—letting you reach your goals faster while keeping the arrangement within the family.

Do You Need a Home Appraisal? Not always. If your down payment is under 20%, you likely won’t need one. But with 20%+ down, refinancing, or private sales, lenders usually require it to confirm value. Costs range from $350–$1,500. Some low-risk deals may qualify for automated valuations. Unsure if you’ll need one? We can help.

A mortgage isn’t just a monthly payment—it can be a powerful tool to grow wealth and reduce taxes. By following a proven strategy of buying, converting to rental, refinancing, and reinvesting, homeowners can unlock equity, fund additional properties, and create long-term financial growth. With the right mortgage expert, financial planner, and accountant, your mortgage can work harder—for you.

Whether you're a first-time buyer, investor, or refinancing, asking the right questions can save you thousands and bring peace of mind. From choosing the right mortgage type to understanding true costs, fees, and prepayment options, this guide highlights the five key questions that help you make confident, informed decisions.

Can you switch your mortgage from fixed to variable—or vice versa? Learn the pros, cons, penalties, and when making the switch might make sense.

Should you pay off your mortgage before retirement? Not always. Discover why tapping into your home equity—through refinancing, a reverse mortgage, or a HELOC—could be a smarter retirement strategy in today’s economy.

Think you’re pre-approved? Not if no one’s verified your documents. A shaky pre-approval can cost you your dream home. Here’s why full review matters—and what most banks skip.

Is the Economy Going to Crash? What Canadian Homebuyers Need to Know With new U.S. tariffs on Canadian goods already in place —and Canada...

Are you a first-time home buyer looking to unlock the door to your dream home? Purchasing your first home is an exciting milestone, but...

When it comes to building financial freedom, one of the key aspects to consider is securing the right mortgage, especially if you are...

Real estate financing can be a complex and daunting process, especially for those looking to maximize their investments and build wealth...