Mortgage Blog

Buying a Home with Less Than 20% Down in Ontario: What You Need to Know

June 30, 2025 | Posted by: Cecile Morell

Think you need 20% down to buy a home in Ontario? Think again. With as little as 5% down, you can step into homeownership—and The Mortgage Boss can show you how. If you’re buying a home u ...

Renewing Your Mortgage in Ontario? Don’t Just Sign the Bank’s Offer

June 23, 2025 | Posted by: Cecile Morell

Mortgage renewal coming up? You might be tempted to sign whatever your bank sends. But wait—The Mortgage Boss says that could cost you big time. Most lenders send renewal offers that aren&rsquo ...

Fixed vs. Variable Rate Mortgages in Ontario: Which One’s Right for You?

June 16, 2025 | Posted by: Cecile Morell

It’s the ultimate Canadian mortgage debate—fixed or variable? Both have pros and cons, and The Mortgage Boss is here to break it down for Ontario homebuyers. Fixed-rate mortgages off ...

Why Getting Pre-Approved Should Be Your First Step to Buying a Home in Ontario

June 9, 2025 | Posted by: Cecile Morell

If you're house-hunting in Ontario, stop scrolling listings and start with a mortgage pre-approval. It's the smartest first move—and The Mortgage Boss can help make it happen. Getting pre-appro ...

4 Affordable Ontario Cities First-Time Buyers Shouldn’t Sleep On

May 26, 2025 | Posted by: Cecile Morell

4 Affordable Ontario Cities First-Time Buyers Shouldn’t Sleep On Let’s face it: buying a home in Ontario can feel impossible—especially if you think Toronto is your only option. But ...

Mortgage Renewal Coming Up? Here’s Why You Shouldn’t Just Sign the Letter

May 19, 2025 | Posted by: Cecile Morell

Mortgage Renewal Coming Up? Here’s Why You Shouldn’t Just Sign the Letter If your mortgage is up for renewal this year, here’s your reminder from The Mortgage Boss®: d ...

First-Time Homebuyer in Ontario? Here’s How The Mortgage Boss® Can Help

May 12, 2025 | Posted by: Cecile Morell

First-Time Homebuyer in Ontario? Here’s How The Mortgage Boss® Can Help Buying your first home is a big deal—and in today’s market, it can also feel overwhelming. Whether you&rs ...

Do I Need 20% Down to Buy A Home?

May 5, 2025 | Posted by: Cecile Morell

You Don’t Need 20% Down to Buy Your First Home – Here’s How CMHC Can Help If you're dreaming of homeownership but think you need a massive 20% down payment to make it happen, good n ...

5 Reasons to Choose a Mortgage Broker Over a Bank (From The Mortgage Boss®)

April 28, 2025 | Posted by: Cecile Morell

5 Reasons to Choose a Mortgage Broker Over a Bank (From The Mortgage Boss®) When it comes to getting a mortgage in Canada, a lot of people automatically head straight to their bank. But here&rsqu ...

How Appraised Value Affects Your Mortgage

April 21, 2025 | Posted by: Cecile Morell

Understanding Loan-to-Value (LTV) Loan-to-Value (LTV) is the ratio between your mortgage amount and the appraised value of your home. It’s calculated like this: LTV = (Mortgage Amount &di ...

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