Mortgage Blog
Canada's Mortgage Experts
Category: Mortgages (25 posts)
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 ...
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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 ...
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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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Why I Built The Mortgage Boss® Brand
April 14, 2025 | Posted by: Cecile Morell
When I entered the mortgage industry, one thing was obvious: a lot of people were being left behind. They were overwhelmed by jargon, intimidated by bank processes, and unsure who to trust. I saw a ga ...
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Considering A Refinance?
March 24, 2025 | Posted by: Cecile Morell
Refinancing in Today’s Market: Is It the Right Move for You? If you locked in a mortgage during the golden era of historically low interest rates—think 2%—you might be feeling the s ...
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Understanding Mortgage Pre-Approvals
March 17, 2025 | Posted by: Cecile Morell
Mortgage Pre-Approval: Why It’s a Must in 2025 A mortgage pre-approval strengthens your homebuying position. Learn why getting pre-approved is a key step before house hunting. Getting pre-appr ...
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Fixed vs. Variable Rate Mortgages
March 10, 2025 | Posted by: Cecile Morell
Fixed vs. Variable Mortgages – Which One is Right for You? Should you choose a fixed or variable mortgage rate in 2025? Learn the pros and cons of each to make the best financial decision. Und ...
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The Impact of Interest Rate Changes on Your Mortgage in 2025
March 3, 2025 | Posted by: Cecile Morell
How Interest Rate Changes in 2025 Could Affect Your Mortgage Mortgage interest rates are shifting in 2025. Learn how these changes could impact your home loan and what you can do to stay ahead. Inte ...
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Why 2025 Might Be a Great Time to Buy a Home
February 24, 2025 | Posted by: Cecile Morell
Buying a Home in 2025? Here’s What You Should Know Thinking about buying a home in 2025? Here’s why this year might be a great time to make a move and how to prepare for homeownership. I ...
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2025 Mortgage Rule Changes – What You Need to Know
February 17, 2025 | Posted by: Cecile Morell
New Mortgage Rules in 2025 – How They Impact You Mortgage rules are changing in 2025. Here’s what homebuyers and homeowners need to know about rate trends, stress tests, and qualification ...
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Refinancing: The Glow-Up Your Mortgage Needs
February 11, 2025 | Posted by: Cecile Morell
Feeling stuck with your current mortgage? Refinancing is like a financial makeover — it’s your chance to hit refresh and create a plan that works for where you are now. Whether you’r ...
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Why Millennials Are Crushing It with Mortgage Agents
February 4, 2025 | Posted by: Cecile Morell
Millennials are changing the game in just about every industry, and mortgages are no exception. Here’s why this tech-savvy, money-smart generation is choosing mortgage agents over banks. The Pe ...
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Top 5 Myths About Mortgages You Need to Stop Believing
January 28, 2025 | Posted by: Cecile Morell
When it comes to mortgages, misinformation can cost you big time. Let’s bust the top five myths that might be holding you back from making your best move. Myth #1: You Need 20% Down False! In ...
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First-Time Buyer Vibes? Here’s How to Slay Your First Mortgage in Ontario and Manitoba
January 21, 2025 | Posted by: Cecile Morell
Are you ready to level up to homeowner status? Whether you’re navigating the buzzing streets of the GTA or settling into the chill neighborhoods of Winnipeg, buying your first home is a huge mil ...
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Mortgage Renewal 101: Don’t Just Sign That Letter!
January 14, 2025 | Posted by: Cecile Morell
So, your mortgage renewal letter just landed in your inbox. You’re tempted to sign it and move on, right? Hold up! This is your chance to rethink, renegotiate, and maybe even save some serious c ...
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Facing Doubling Mortgage Rates in 2025? Here’s How Manitoba and Ontario Families Can Beat the Stress!
January 7, 2025 | Posted by: Cecile Morell
It’s no secret that 2025 is shaping up to be a challenging year for many Canadian homeowners. With interest rates expected to double for families renewing their mortgages, it’s time to sta ...
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Bank Of Canada Cuts Its Key Interest Rate to 3.25%
December 11, 2024 | Posted by: Cecile Morell
Why the Bank of Canada’s Latest Rate Cut Matters for Homeowners in Ontario and Manitoba Big news from the Bank of Canada! As of December 11, 2024, the Bank announced a key interest rate ...
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Why Should You Use A Mortgage Agent?
December 4, 2024 | Posted by: Cecile Morell
Why You Should Use a Mortgage Agent for Your 2025 Renewal in Manitoba and Ontario Renewing your mortgage is a critical financial decision, and as 2025 approaches, many homeowners in Mani ...
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Fixed Rate Roller Coaster!
November 27, 2024 | Posted by: Cecile Morell
Bond Yields and Fixed Mortgage Rates: What Ontario and Manitoba Buyers Need to Know If you’re looking for a mortgage in Ontario (GTA) or Manitoba (Winnipeg), this week&rs ...
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Fixed Rates On The Rise?? Advice for those in Ontario (GTA) and Manitoba (Winnipeg)
November 24, 2024 | Posted by: Cecile Morell
Why Fixed Mortgage Rates in Canada May Rise Next Week: Advice for Homebuyers in Ontario (GTA) and Manitoba (Winnipeg) Are you shopping for a mortgage in Ontario's Greater Toronto Area (GTA) o ...
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Understanding Fixed Mortgage Rates: What Ontario and Manitoba Homebuyers Need to Know
November 19, 2024 | Posted by: Cecile Morell
Understanding Fixed Mortgage Rates: What Ontario and Manitoba Homebuyers Need to Know When it comes to choosing a mortgage, understanding how rates are determined can save you money and help you make ...
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Why First Time Home Buyers Should Use A Mortgage Broker
November 18, 2024 | Posted by: Cecile Morell
First-Time Home Buyers in Ontario and Manitoba: How a Mortgage Broker Can Make Your Dream Home a Reality Buying your first home is an exciting milestone, but navigating the world of mortgages can fee ...
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Navigating 2025 Mortgage Renewals: Why a Mortgage Broker is Your Best Ally in Ontario and Manitoba
November 16, 2024 | Posted by: Cecile Morell
As 2025 approaches, many homeowners in Ontario and Manitoba will face one of the most important financial decisions: renewing their mortgage. With fluctuating interest rates, evolving market condition ...
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Should You Spend the Full Mortgage Amount You're Approved For?
January 9, 2024 | Posted by: Cecile Morell
Before you start shopping for a new home, you'll need to know exactly how much house you can afford. Otherwise, you could end up in a home that is way out of your budget. What you qualify for may not ...
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Take Advantage of Low Interest Rates – Refinance Your Mortgage Today!
January 2, 2024 | Posted by: Cecile Morell
Borrowers are loving the current record low interest rates, and homeowners stand to benefit even more. If you bought your home more than a few years ago, you could probably benefit from a refinance ...
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