The Mortgage Journal
Income & Down Payment Guide: How Lenders See Your Earnings
Not sure how much you need to put down — or whether your income qualifies? This guide breaks down every income type, minimum down payment requirements, and what documents you actually need.
How We Get You Approved: A Step-by-Step Guide to Working with a Mortgage Broker
A transparent, step-by-step walkthrough of our mortgage approval process — from free consultation to keys in hand — and why working with a broker changes the outcome.
Big Banks vs. Monoline Lenders: Mortgage Penalty Calculations and the Long-Term Savings Case
Most Canadians focus on the rate — but the hidden cost of your lender choice is how penalties are calculated. A $13,500 gap between RBC and MCAP can mean the difference between a profitable refinance and a net loss.
Canadian Mortgage Policy History: How Rules Have Changed Over the Decades
A comprehensive timeline of Canadian mortgage regulations, stress tests, and policy shifts that shaped today's housing market.
Stop Treading Water: How to Turn Your Debt Around
Drowning in multiple debt payments? See how one client saved $1,300/month by rolling her mortgage, credit line, loans, and CRA arrears into one smart refinance.
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