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Things worthknowing beforeyou sign.

Plain explanations of the parts of Canadian mortgage financing that cost people money when they get them wrong.

A desk at night with a calculator, a leather notebook, a pen and a cup of coffee under a brass lamp.
6 min read

Why Self-Employed Canadians Struggle to Get a Mortgage — and How to Fix It

Self-employed in Ontario? Your write-offs are working against you at the bank. Here is exactly why, and which programs solve it.

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An empty living room in a newly bought home, moving boxes stacked by the window.
7 min read

The Hidden Costs of Buying a Home in Ontario

Down payment is the number everyone saves for. These are the ones that catch first-time buyers on closing day.

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A row of brick houses on a snowy Toronto street at dusk.
5 min read

How Rising Interest Rates Change the Refinancing Maths

When rates rise, refinancing stops being about the rate and starts being about cash flow. Here is how to tell whether it still makes sense.

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