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Strategy notes, market updates and practical guides from Best Mortgage Montreal — written for people who want more than a rate.
Reviewed by Stan Rashev, mortgage & real estate broker · Updated
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New for 2026: the guides people ask for most.
Welcome tax, renewals and home equity — updated with October 2026 rules, worked examples and sources.
Welcome Tax in Montréal (2026): Rates, Examples and the New First-Home Refund
Montreal welcome tax 2026: official brackets, examples from $350,000 to $1.2 million, who pays, when it's due, and Quebec's new refund of up to $5,875.
Read articleMortgage Renewal in Québec (2026): A 12-Month Strategy to Avoid Payment Shock
Renewing your mortgage in Montreal or Quebec? A 12-month plan: rate holds, switching lenders without a stress test, amortization choices and real examples.
Read articleSecond Mortgage vs Refinance vs HELOC in Québec: Which Costs Less?
Second mortgage, refinance or HELOC in Montreal and Quebec? Borrowing limits, rates, penalties and fees compared on a real $120,000 example over two years.
Read article02 The library
Every article, in one place.
173 articles on mortgages, equity, renewals, credit and Montréal real estate — filter by topic or search.
Debt Consolidation Through Your Mortgage: When It Frees Cash Flow — and When It Doesn't
Consolidating debt into your mortgage in Montreal: a worked example that frees $1,480 a month, the hidden cost of stretching debt, and when it isn't the answer.
Read articleGetting a Mortgage After a Consumer Proposal in Québec: Timelines, Lenders and Real Costs
Can you get a mortgage during or after a consumer proposal in Quebec? Which lenders say yes, how long to wait, what it costs and how to get back to bank rates.
Read articleWelcome Tax in Montréal (2026): Rates, Examples and the New First-Home Refund
Montreal welcome tax 2026: official brackets, examples from $350,000 to $1.2 million, who pays, when it's due, and Quebec's new refund of up to $5,875.
Read articleMortgage Renewal in Québec (2026): A 12-Month Strategy to Avoid Payment Shock
Renewing your mortgage in Montreal or Quebec? A 12-month plan: rate holds, switching lenders without a stress test, amortization choices and real examples.
Read articleHow to Finance a Plex in Montréal: Duplex, Triplex and Fourplex Mortgages (2026 Guide)
How to finance a duplex, triplex or fourplex in Montreal: down payments of 5%, 10% or 20%, how rent is counted, CMHC insurance, welcome tax and a real example.
Read articleSelf-Employed Mortgage in Québec: How Lenders Really Calculate Your Income
Self-employed in Montreal or Quebec? How lenders calculate business income, which add-backs count, incorporated owners, stated-income options and a real example.
Read articleSecond Mortgage vs Refinance vs HELOC in Québec: Which Costs Less?
Second mortgage, refinance or HELOC in Montreal and Quebec? Borrowing limits, rates, penalties and fees compared on a real $120,000 example over two years.
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What Are the Benefits of Working with a Mortgage Loan Broker Near Me?
Explore the benefits of local mortgage guidance, including loan comparisons, clear terms, faster communication, and support during your financing journey.
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Why a Mortgage Broker License Is Essential for Your Career
Learn why mortgage licensing matters for career growth, client trust, compliance, and building a strong future in mortgage lending with expert guidance.
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How a Mortgage Consultant in Montreal Makes the Mortgage Process Easier
Buying or refinancing a home can feel confusing quickly. A mortgage consultant in Montreal can make each step easier to understand. At Best Mortgage Montreal, we help clients understand choices…
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How Quebec Debt Consolidation Advice Can Help You Regain Financial Control
Learn how Quebec debt consolidation advice can simplify payments, manage monthly expenses, and help you regain control of your finances with confidence.
Read articlePrivate Mortgage Lenders in Québec: When Traditional Banks Say No (2026 Update)
How private mortgage lenders in Quebec work: who they lend to, rates and fees, how fast they fund, the questions to ask and how to move back to a bank.
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Mortgage Broker Montreal: A Complete Guide for First-Time Home Buyers
Learn how a Mortgage Broker Montreal can simplify your first home purchase, compare loan choices, explain down payment steps, and guide you toward a smoother approval path.
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Reflecting on the Mortgage Professionals Canada National Conference
It’s hard to believe it’s already been a week since the Mortgage Professionals Canada National Conference, and I’m still feeling inspired by the incredible conversations, insights, and…
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Private Lending 101: A Smart Complement to Conventional Mortgages
Continuous learning is key in our industry —and this week’s private-lender education session with Castleton Hypothèques underscored that truth. We explored how short-term private financing…
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Mortgage Insights DLCG Inspire 2025
Four days. Countless conversations. Endless inspiration. #DLCGInspire2025 was more than just an event—it was an incredible opportunity to learn, share ideas, and connect with colleagues from…
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Why a Financial Audit Is About Freedom - Not Guilt
When most people hear the term financial audit, they picture piles of receipts, endless spreadsheets, and someone telling them to cut back on lattes. But that’s not what a true audit is about. …
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This or That: Selling Your Home Edition
This month, I’ve put together a little game for you - This or That. The challenge isn’t just to pick your answer, but to think about why it might be the better course of action. After you’ve…
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Summer Moments, Lasting Inspiration
Some summer memories stand out a little extra—not just for the fun we have, but for the inspiration they leave behind. One of my favourites this year was watching the National Bank Open with…
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Best Mortgage Montreal Named One of the Top Mortgage Brokers for First-Time Buyers in Montreal
We’re proud to share some exciting news: Best Mortgage Montreal has been featured by Best in MTL as one of Montreal’s Top Mortgage Brokers for First-Time Buyers! For years, we’ve been…
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Thinking About a Vacation Home? Let’s Make Sure It’s the Right Fit
Owning a vacation home is a dream for many families — a place to escape, recharge, and create memories. But before you start picturing sunsets on the deck, it’s important to make sure this big…
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How To Not Let Mortgage Penalties Catch You Off Guard
Many homeowners—especially those without a mortgage broker—don’t fully understand mortgage penalties. And I get it! Financing a home can be overwhelming. But if you're considering refinancing,…
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Best Home Renovation Ideas for Every Budget (Under $100 to $5,000+)
Summer is typically a busy season for the housing market in Canada. Whether you’re looking to sell or help your home bloom where it’s planted, these value-add ideas will be worth putting on your…
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Fixed vs. Variable: What’s the Right Mortgage Strategy in 2025?
Shakespeare may have asked, “To be or not to be?” —but he didn’t have to pay $9 for a container of raspberries. In today’s economy, the real question many Canadians are asking is: “Fixed or…
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What a Business Master Class Taught Me About Leadership, Culture, and Growth
Over the past week, I had the chance to step out of the day-to-day and into a room full of growth-minded business owners at a Business Master Class. It was intense, thought-provoking, and packed with…
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Desjardins Excellence Gala
As March came to a close, I had one of those rare, pause-worthy moments — the kind that makes you stop, take a deep breath, and reflect on the journey that brought you here. At the Desjardins…
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How To Prepare Your Finances For Spring’s Home-Buying Season
🌸 Spring is one of the busiest seasons in real estate. If you’re planning to buy this spring, now is the time to prepare your finances for a smoother, stress-free mortgage process. Stay tuned for…
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Small Actions, Big Impact: 5 Ways to Strengthen Your Financial Health
5 Steps to Improve Your Financial Health 🏡💰 One of the most common questions we get from clients is: “How can I improve my financial health?” The truth is, small, consistent actions can lead to…
Read articleUnlocking Home Equity: Is a Second Mortgage the Right Move? (2026 Update)
Is a second mortgage the right way to unlock your home equity in Montreal? How it works, what it costs, and how it compares with a refinance or HELOC.
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Mortgage Strategies For 2025 Real Estate Market Montreal
As we step into 2025, the Spring real estate market offers both exciting opportunities and unique challenges for buyers and sellers alike. With ever-changing conditions influenced by mortgage rates,…
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Looking Ahead 2025: Montreal Market Update
As we welcome a fresh start in 2025, it’s the perfect time to look ahead at what the Spring real estate season might have in store! Whether you’re a buyer or a seller, staying informed on housing…
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Reflecting on 2024, Ready to Serve You in 2025
As we wrapped up 2024, I had the honor of starting the day with my incredible team over breakfast. Together, we reflected on what has been a year of growth, challenges, and success — and most…
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Let Us Save You Time on Your Mortgage Journey
When it comes to mortgages, time and experience matter. With over 22 years in the mortgage industry, my team and I know the ins and outs of securing the lowest rates and crafting solutions tailored…
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Our Christmas Party was nothing short of magical!
As the year winds down and the holiday season approaches, there’s nothing more rewarding than taking a moment to reflect on the incredible journey we’ve shared as a team. Last night’s Christmas…
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Pre-Qualification vs. Pre-Approval: The Key Differences
When it comes to navigating the Canadian housing market, one common myth often trips up prospective homebuyers: prequalification and preapproval are the same thing. While these terms might sound…
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Making the Most of Canada’s Current Mortgage Market: Key Strategies
1. Take Advantage of Pre-Approval Getting pre-approved for a mortgage is one of the smartest moves you can make, particularly in a competitive housing market. Here’s why it matters: Budget…
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Tell us there's an election looming without telling us there's an election looming...
The Government has been rolling out all the stops the last few weeks, with some major announcements in an effort to supposedly boost homeowner affordability. Key dates: November 21st,…
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Debt Consolidation and How Mortgage Brokers in Montreal Can be of Help
Debt Consolidation and How Mortgage Brokers in Montreal Can be of Help Debt consolidation is one of the methods of dealing with debt where a person brings all his debts to one place and pays in one…
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How Today's Bank of Canada Announcement Impacts You
Today, September 4, 2024, the BoC reduced its target for the overnight rate by a further 0.25% to 4.25%. Today’s rate drop is a full 75 basis points (or 0.75%) below its peak of 5.00%. What…
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Montreal Mortgage Brokers' Tips for Reducing Closing Costs
Montreal Mortgage Brokers' Tips for Reducing Closing Costs By the time a buyer has actually purchased a home, closing costs can quickly became a factor that increases the total cost of hundreds of…
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How to Get the Best Mortgage for Renovation Projects: Tips from Montreal Brokers
How to Get the Best Mortgage for Renovation Projects: Tips from Montreal Brokers A sometimes challenging but always rewarding process is home improvement the process of turning a dwelling into one’s…
Read articleWho Should Consider a Private Mortgage in Montreal?
Who Should Consider a Private Mortgage in Montreal? It is for this very reason that what is commonly known as ‘private mortgages’ has steadily grown in popularity in Montreal because it offers a way…
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Unlocking the Right Path: How to Find the Best Mortgage Broker in Montreal
Unlocking the Right Path: How to Find the Best Mortgage Broker in Montreal Real estate investment can be tasking for a beginner and so keeping various factors in mind is subtle when in…
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Future Trends for Mortgage Brokers in Quebec
Future Trends for Mortgage Brokers in Quebec These external factors include innovation, legislation, and the state of affairs, which show that the mortgage brokerage industry in Quebec is in the long…
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The Way a Mortgage Broker Helps in Buying a Condo in Montreal
The Way a Mortgage Broker Helps in Buying a Condo in Montreal Condo buying in Montreal is an exhilarating and yet a daunting endeavour especially looking at the current trend in real estate…
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Get the Best Montreal Mortgage Broker Refinance Rates.
Get the Best Montreal Mortgage Broker Refinance Rates. It is worth mentioning that mortgage refinancing can be one of the smartest options for individuals who want to decrease their interest rate,…
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Hiring a Mortgage Broker in Montreal: Here are 6 Essential Tips
In todays paced real estate market finding a home can be quite challenging. That's why seeking guidance when house hunting, in Montreal is crucial. When choosing a mortgage broker in Montreal here…
Read articleHow to Finance Your First Home in Montreal: Tips and Tricks
Buying your house in Montreal is a step given the citys lively atmosphere. However navigating the aspects of property purchase can seem overwhelming. It's crucial to grasp how to finance your home.…
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Understanding Mortgage Rates: What First-Time Homebuyers in Montreal Need to Know
Understanding Mortgage Rates: What First-Time Homebuyers in Montreal Need to Know The mortgage rate is among the most important topics for Montreal first-time homebuyers to understand to make…
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The Benefits of Using a Mortgage Broker in Montreal for Investment Properties
The Benefits of Using a Mortgage Broker in Montreal for Investment Properties A lot of real estate investment gets a lot of people to the ideal position that provides for them a chance to build…
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Navigating the Mortgage Market: Guidance for First Time Owners in Montreal
Navigating the Mortgage Market: Guidance for First Time Owners in Montreal However, one has different experiences and emotions when taking into consideration home ownership is an exciting step,…
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Jumbo Mortgages: Financing Options for Luxury Properties in Montreal
One might say that in the development of luxury real estate with an appreciating market located in Montreal, the elite market is the center-of-the-universe for upper-class buyers. Even though such…
Read articleUnderstanding the Significance of Pre-Approval with Montreal Mortgage Brokers: It Power
Prequalifying for a mortgage is one of the steps in the Montreal real estate purchasing process. With pre-approval by a lender, the buyer can begin to look for their dream house with confidence and…
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The Power of Connections: The Ways of How a Mortgage Broker Can Open Doors for Homebuyers in Montreal
The Montreal real estate market is a busy one and mortgage securing can be a challenge to homebuyers. There are countless lenders, different interest rates and very complicated financial…
Read articleReal Estate Investment Possibilities Montreal Mortgage Brokers: Types of Mortgages
Renting property is a good investment that can make you rich and bring easy cash. But obtaining funding for these assets is a challenging undertaking primarily for the beginners in the real estate…
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Staying Ahead of the Curve: Montreal Home Buyer’s Guides from a Mortgage Broker
Staying Ahead of the Curve: Montreal Home Buyer’s Guides from a Mortgage Broker In Montreal’s fast-moving real estate market, being ahead of the game is crucial for homebuyers wanting to secure their…
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The Art of Mortgage Planning: Long Term Financial Success Strategies in Montreal
The Art of Mortgage Planning: Long Term Financial Success Strategies in Montreal In the lively real estate market of Montreal, mortgage planning is a vital skill for homebuyers who aim at long-term…
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Montreal Mortgage Mastery: Ways of Coping with the Competitive Real Estate Markets
Montreal Mortgage Mastery: The Developer market operates in the active environment. Here developers have to make choices and strategies to cope with the competition. In Montreal where real estate…
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The Benefits of Refinancing: Overview of the Mortgage Brokers in Quebec
A mortgage qualification is an important financial strategy that homeowners from Quebec can use to acquire many of the benefits involved. It is an opportunity to improve financial situation whether…
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Mortgage Mastery: Quebec Edition – Tips and Tricks from Your Trusted Broker
Mortgage Mastery: Quebec Edition – Tips and Tricks from Your Trusted Broker Greetings, future homeowners of La Belle Province! If you've ever dreamt of cozying up in a charming Quebecois home, you're…
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Brick by Brick: Building Your Montreal Home with the Right Mortgage
Brick by Brick: Building Your Montreal Home with the Right Mortgage Hey there, dreamweavers! Imagine strolling down the cobblestone streets of Old Montreal, the scent of freshly baked baguettes…
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Mortgage Musings – Tips for Smart Home Financing in Quebec
Mortgage Musings – Tips for Smart Home Financing in Quebec Hello, fellow dreamers and future homeowners! Today, we're delving into the intricate world of home financing in the heart of Quebec – a…
Read articleInsider's Guide to Mortgages: Best Broker Picks in Montreal
Insider's Guide to Mortgages: Best Broker Picks in Montreal Starting the trip to get a mortgage in Montreal is usually an amazing and daunting system. It is thus important to have the best mortgage,…
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Beyond Rates: Understanding the Quebec Mortgage Process
In the complex realm of real estate in Quebec, potential homebuyers usually make interest rates their only primary concern. As much as the rates are of great importance in ensuring a cheap mortgage,…
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Finding Your Home Financing Harmony: Quebec Mortgage Tips
Finding Your Home Financing Harmony: Quebec Mortgage Tips The process of starting a homeowner journey in Quebec is quite thrilling but also complicated. Getting the right home may be complicated…
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How Mortgage Brokers in Montreal Can Help in Unlocking Homeownership?
How Mortgage Brokers in Montreal Can Help in Unlocking Homeownership? Owning a home is a dream shared by many, and in a vibrant and diverse city like Montreal, that dream often takes root and grows.…
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Montreal Mortgage Magic: Finding Your Perfect Broker
Montreal Mortgage Magic: Finding Your Perfect Broker When it comes to securing a mortgage for your dream home in Montreal, you'll quickly realize that the process can be intricate and challenging to…
Read articleThe Crucial Role of a Mortgage Broker in Quebec's Real Estate Market
The Crucial Role of a Mortgage Broker in Quebec's Real Estate Market In the dynamic and ever-changing world of real estate, navigating the complexities of mortgage financing can be a daunting task.…
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The Insider’s Guide to Mortgage Brokers in Montreal
The Insider’s Guide to Mortgage Brokers in Montreal The journey to homeownership can often seem like a complex maze, with various paths leading to the same destination: your dream home. In the…
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Understanding the Quebec Mortgage Landscape: A Beginner's Guide
Understanding the Quebec Mortgage Landscape: A Beginner's Guide Quebec, with its rich history and distinct cultural identity, is unlike any other province in Canada. This uniqueness is mirrored in…
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Montreal Neighborhoods: Finding the Best Mortgage Rates
Montreal Neighborhoods: Finding the Best Mortgage Rates Montreal, the vibrant heart of Quebec, boasts a rich tapestry of cultures, languages, and lifestyles. From the cobblestone streets of Old…
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The Future of Mortgage Brokerage in Montreal: Emerging Trends and Innovations
The Future of Mortgage Brokerage in Montreal: Emerging Trends and Innovations Montreal's real estate market has always been vibrant and dynamic, and the role of mortgage brokers in the city's…
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Streamlining the Mortgage Process in Quebec: Tips from a Professional Broker
Streamlining the Mortgage Process in Quebec: Tips from a Professional Broker Obtaining a mortgage can be a complex and sometimes overwhelming process, especially for first-time homebuyers in Quebec.…
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Achieving Your Homeownership Goals: Steps to Secure a Mortgage in Montreal
Achieving Your Homeownership Goals: Steps to Secure a Mortgage in Montreal Introduction: Securing a mortgage is a vital step towards achieving your homeownership goals in Montreal. Whether you're a…
Read articleDebt Consolidation Options in Montreal and Quebec: Exploring Mortgage Solutions
If you find yourself overwhelmed with multiple debts and struggling to manage various monthly payments, debt consolidation could be a viable solution to regain control of your finances. One option…
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Negotiating Mortgage Renewal Rates in Montreal: Strategies for Saving Money
Negotiating Mortgage Renewal Rates in Montreal: Strategies for Saving Money As the term of your mortgage comes to an end, renewing your mortgage in Montreal presents an opportunity to potentially…
Read articleMaximizing Your Investment: Using a Second Home Mortgage in Montreal to Build Wealth
Maximizing Your Investment: Using a Second Home Mortgage in Montreal to Build Wealth Montreal is one of the most desirable cities in Canada for investing in real estate, and owning a second home can…
Read articleRefinancing Your Debt Consolidation Loan in Montréal: Tips for Success (2026 Update)
Already consolidated and still stretched? How to refinance a debt consolidation loan in Montreal — into your mortgage, a second mortgage or a better loan — and what it costs.
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How Your Credit Score Affects Your Ability to Get a First-Time Homebuyer Mortgage in Montreal
How Your Credit Score Affects Your Ability to Get a First-Time Homebuyer Mortgage in Montreal If you're a first-time homebuyer in Montreal, one of the most important factors that can impact your…
Read articleThe Role of Credit Score in Refinance Debt Consolidation Loans in Montreal
The Role of Credit Score in Refinance Debt Consolidation Loans in Montreal If you're considering refinancing your debt with a consolidation loan in Montreal, your credit score will play a…
Read articleThe Pros of Refinancing Your Debt with a Consolidation Loan in Montreal
The Pros of Refinancing Your Debt with a Consolidation Loan in Montreal If you're struggling to manage your debt payments, you may want to consider refinancing with a consolidation loan.…
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Understanding Mortgage Renewal in Montreal: What You Need to Know
Understanding Mortgage Renewal in Montreal: What You Need to Know If you're a homeowner in Montreal, understanding mortgage renewal is an important part of managing your finances. When your mortgage…
Read articleThe Benefits of Buying a Second Home in Montreal for Vacation or Investment Purposes
The Benefits of Buying a Second Home in Montreal for Vacation or Investment Purposes Montreal is a popular destination for tourists and investors alike, with its vibrant culture, rich history, and…
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The Benefits of Hiring a Mortgage Broker: How They Can Save You Time and Money
Introduction:When it comes to buying a home, one of the most important decisions you'll make is how to finance it or mortgage renewal. One option that many people consider is hiring a mortgage…
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7 Tips to Hire a Good Mortgage Broker
Introduction: When it comes to buying a home, a mortgage broker can be a valuable resource. A good mortgage broker can help you navigate the complex world of home financing including buying a second…
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The top 3 things to consider when choosing a mortgage broker
The top 3 things to consider when choosing a mortgage broker When choosing a mortgage broker, there are a few key things to consider to ensure that you are working with someone who is qualified,…
Read articleThe difference between a mortgage broker and a lender
The difference between a mortgage broker and a lender A mortgage broker and a lender are two important players in the process of obtaining a home loan. While they may seem similar at first glance,…
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The benefits of working with a mortgage broker vs. going directly to a lender
The benefits of working with a mortgage broker vs. going directly to a lender Working with a mortgage broker has several benefits compared to going directly to a lender. A mortgage broker is a…
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5 key things to consider when selecting a mortgage broker
5 key things to consider when selecting a mortgage broker When it comes to selecting a mortgage broker, there are several key factors to consider in order to ensure that you make the best…
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Top three reasons to hire a mortgage broker for claiming an easy home loan
Top three reasons to hire a mortgage broker for claiming an easy home loan The decision to invest in real estate is significant and time-consuming. You might live there for the rest of your…
Read articleThe ideal time to obtain a reverse mortgage is when?
The ideal time to obtain a reverse mortgage is when? The number of people who are curious to learn more about reverse mortgages could surprise you. Borrowers come from all 50 states, come…
Read articleThree ways with which you can calculate your mortgage for your new home
Three ways with which you can calculate your mortgage for your new home Diving into the house-hunting and mortgage world can be overwhelming, especially when it's your first time. You might have to…
Read article5 Questions to Ask Your Mortgage Broker
5 Questions to Ask Your Mortgage BrokerMake it a common practice to ask questions of potential mortgage brokers before committing to a loan. Be it finding the right kind of loan or getting tangled up…
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When Is the Best Time to Refinance Your Home?
When Is the Best Time to Refinance Your Home? Refinancing your home can either save or cost you money. Paying off current debt and replacing it with a new one is what refinancing a mortgage…
Read articleWhat You Should Know Before Getting a Mortgage For Home Purchase
What You Should Know Before Getting a Mortgage For Home Purchase If you plan to get a mortgage for home purchase in the near future, you should brush up on your mortgage knowledge. Learn about…
Read articleShould you hire a mortgage broker if you're on a budget? Read to know more.
Mortgage, approvals, and house-hunting are tasks that require a lot of time and effort. Several tasks would need research and time to find the best offers. For example, if you're new to the mortgage…
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What You Need To Know About Reverse Mortgages
With a reverse mortgage, homeowners 62 and older who have traditionally paid off their mortgage can borrow a portion of the equity in their property as tax-free income. With a reverse mortgage,…
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Getting unreasonably high mortgage interest rates? Here are some reasons
Finding a good mortgage deal is essential to your house-hunting process and financial position. It can easily hinder your expenses and financial stability if you have to put up with a high mortgage…
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Why Mortgage Refinancing is Better Option
Mortgage refinancing is a strategy that assists homeowners in achieving their objectives. This could imply refinancing to a lower interest rate or a different mortgage term. Refinancing a home is a…
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Mistakes to evade when applying for a mortgage
Buying a house is one of the most significant investments. You cannot afford to make even a slight mistake in this procedure. If you are rushing up and not conducting complete research, you will not…
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When Should Your Mortgage Be Renewed?
Planning beforehand is the key to getting the most out of your mortgage renewal. Consider renewing your contract a few weeks before your term finishes. Some financial companies may even let you…
Read articleA beginner's guide to mortgages
When you have a lot of money in your bank account or enough resources to invest in a suitable property, building the house of your dreams with individual comforts and luxury is not a significant…
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Do you really require a mortgage broker? Ask yourself these questions.
People seek expert guidance from brokers since the home-buying process may be tedious and exhausting. A mortgage broker acts as a go-between for borrowers and potential lenders. He is a third-party…
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Top Three Questions To Ask A Mortgage Broker
Many people assume that hiring a mortgage broker is nothing but a waste of money and it is better to save that money. It is only later on when they get to realize the importance of a mortgage…
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Three ways in which mortgage refinancing can help you
Putting up with a long mortgage can often be difficult. You have to plan your finances and budget according to that old deal and follow it up. If you had a low credit score back then, you might be…
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Is it affordable to work with a mortgage broker? Read to know more.
Are you ready to take the next step in your life and buy a home? If yes, this is the right place for you. It would be both an exciting and frightening task where you have to handle many things from…
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How To Get The Lowest Mortgage Rates For A First Time Home Buyer
The task of purchasing a home for the first time can be quite tough yet a happy moment for every homeowner's life. We all grow up having a particular picture of a dream house in our minds and aim to…
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All You Need To Know About Mortgage. A Guide
Buying a suitable property with all the comforts and luxuries is not easy these days. There are a lot of complications and formalities t undergo. Moreover, the main problem arrives when you have to…
Read articleA guide to mortgaging: Why, how, and where to get it
If you're planning to buy your first home, it would be both exciting and frightening. You might have questions and worries about the finances, whether you'll find the right property or if it's a good…
Read articleTips To Follow When Your Mortgage Renewal Time Is Near
Is your mortgage renewal time near? Have you thought about anything? How are you going to handle this time period? Do you know enough about the mortgage renewal?Well, one of these questions might…
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Steps to Determine the Mortgage amount you can afford
Investing in your own house can be everything from exciting to stressful. Looking over the properties and seeing what you can afford is a lengthy task. You need to devote a chunk of your time too, as…
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Effective Ways to Get a Mortgage with Bad Credit
Do you know it’s possible to get a mortgage even if you have bad credit? As you might already know, your credit score plays a vital role in obtaining a mortgage. It determines your financial health…
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Top Mistakes that can Reduce your Chances at a Better Mortgage Refinance Deal
Taking up a mortgage to build or renovate your dream house is a significant step in one's life. You would be tied to that loan amount for a long time to come. It can affect your financial stability…
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Things To Consider Before Renewing Your Mortgage
Mortgage renewal is the new terms where you sign new agreements and dissolves the previous terms and agreements of the loan. Banks will usually send you papers to your home, and to be done with it,…
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Top 5 Benefits of Working With a Mortgage Broker in Montreal
Mortgage brokers charge a fee for their service in addition to the standard closing costs for a loan. This leads many to choose to go directly to a bank or credit union for a home loan. However, that…
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How Quebec’s Mortgage Market Differs from the Rest of the Country
Quebec has always been the exception to many rules. Quebec has become the exception to Canada’s wild real estate market. Vancouver and Toronto saw 10 to 20 percent annual price increases for the…
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3 reasons you may need a second mortgage
A second mortgage is a very handy option for those who need access to a sum of money for a certain financial obligation and are searching for a loan that can provide them with it. A second mortgage,…
Read articleEverything you need to know about the RRSP Home Buyers Plan (FAQs)
Tapping into your RRSP account is one of the most effective ways to receive financing for your first home. To give you a good and thorough understanding of this program, we've answered some of your…
Read articleWhat is an Insured Mortgage?
There are various types of mortgages that Canadian homebuyers have access to when they decide to purchase a property, one of which is the Insured Mortgage (also known as a High-Ratio Mortgage).When a…
Read articleFixed-Rate vs. Variable-Rate Mortgage: What’s the difference? And which one should you choose?
One of the major decisions that homebuyers have to make when taking out a loan is whether they would prefer to have a fixed-rate or a variable-rate mortgage. What’s the difference? With a …
Read articleWhat Type of Mortgages Are Available to Canadians?
The majority of Canadian home-buyers will choose to finance their homes with a lender. Doing so will allow them to pay the cost of their property in installments. When it comes to financing,…
Read articleThe Hidden Costs of Buying a Home
Buying a home is one of the most amazing accomplishments you can achieve in life. If you’re in the market for a home, it’s important to understand that the purchase price is not the only cost in the…
Read articleHow to develop healthy financial habits
Having healthy financial habits is absolutely necessary in order to achieve many of your life goals such as buying your first home, paying for your education, or even purchasing a car. Knowing that…
Read article5 Ways to Finance Your Home Renovations
A well-planned home renovation can greatly improve the look and feel of your home and can be a strategic way to increase the value of your property. But, before you start tearing down walls and…
Read articleTop 50 Mortgage Broker in June 2018 Award
Top 50 Mortgage Broker in June 2018 Award — a recognition from the Dominion Lending Centres network.
Read articleShould You Continue Renting or Should You Buy?
The renting vs. buying debate has been an on-going topic for years. While some people argue that renting is a waste of money, others claim that it's actually a lot cheaper than buying. So, who is…
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Are you financially ready to buy a house? A Quick Guide to Purchasing Your First Home
Buying a home is an amazing accomplishment but it will also be one of your biggest investments. Purchasing a house is a major financial decision which is why it is important to make sure that you are…
Read article2nd position achievement in the highest disbursed volume in Quebec, from a total of 186 brokers
2nd position achievement in the highest disbursed volume in Quebec, from a total of 186 brokers — a recognition from the Dominion Lending Centres network.
Read articleTop 50 Mortgages Funded Monthly - March 2018
Top 50 Mortgages Funded Monthly - March 2018 — a recognition from the Dominion Lending Centres network.
Read articleWhen Is An Ideal Time To Consider Mortgage Refinance?
Many homeowners are considering mortgage refinancing today to take advantage of the low interest rates. The main reason for this is because home refinancing can lead to significant cost savings, but…
Read articleKeeping Your Debt Levels In Check Before Applying For A Mortgage
When applying for a mortgage loan, the biggest factor that lenders consider is one's credit score. However, that is just the start. Before deciding whether to approve a mortgage loan or not, lenders…
Read articleAre You Searching For A Second Mortgage Loan?
Mortgages have become the everyday way on how to acquire property in so many states and countries today. Second mortgage type of loan is the one that is taken after the first mortgage loan. Some of…
Read articleThe New ‘Stress Test’ Expected To Disqualify 10 % of Aspiring Buyers: Bank of Canada
Think you are safe because you want to place more than 20 percent as down payment for your mortgage? You really are not; since you will have to take a ‘stress test’ before you are approved for a…
Read articleStringent Borrowing Rules and Higher Interest Rates to Curb Riskier Borrowing
While the Central Bank warned that the effort to mitigate risky borrowing may take time, it is optimistic that strict regulatory efforts and increased mortgage interest rates will be a milestone in…
Read articleConcerns Over the New ‘Stress’ Rules
According to the leading experts in the mortgage industry, the proposed ‘Stress’ rules—that are meant to control the risk associated with mortgage loans in real estate today—are likely to make it…
Read articleAvoid the New Mortgage Stress Test – Take Action Today
Come to think of it, what is the only constant thing in the real estate industry? Change, yes change is among the common things you will encounter in this industry. With regards to change, the…
Read articleReactions to the Proposed ‘Stress Test’ Rules for Mortgage Borrowers
The new rules about to be implemented by the Office of the Superintendent of Financial Institutions (OSFI) are aimed at subjecting the uninsured mortgage borrowers in the country to stress test as…
Read articleWhy You Should Review Your Mortgage Today
Many of the leading financial advisers will tell you that it is important to carry out a financial check-up every year, but why? As time goes by, many things are bound to change in your life. This…
Read articleMortgage Qualifying Regulations are Tightened by the Canadian Banking Regulator
Earlier this month, the banking regulator in Canada released the new regulations that will make it more difficult for potential borrowers to apply for uninsured mortgages. This only adds to the…
Read articleWhat Percentage of Prospective Home Buyers Will Realistically Be Able to Purchase a home with the New Mortgage Stress Test That Will Take Effect in January 1st 2018What Percentage of Prospective Home Buyers Will Realistically Be Able to Purchase a home with the New Mortgage Stress Test That Will Take Effect in January 1st 2018
On Tuesday October 17th, Canada’s banking regulator introduced new rules regarding the requirement for all homeowners to undergo a mortgage stress test. This applies to all even those with larger…
Read articleFinding the Best Mortgage Rate: What You Need to Consider Before Signing on the Dotted Line
When it comes to finding a great mortgage rate, it's easy to think that the lowest figure should win. After all, paying a lower interest rate should mean saving money, right? Well, not necessarily.…
Read articleDeciphering Mortgage Terms: What Information to Consider Before Borrowing & Where to Go to Find It
When it comes to choosing a mortgage, it is important to recognize that the future cannot be fully understood until it arrives. There is likely going to be bumps in the road and life events that will…
Read articleDominion Lending Centres Proudly Presents the Top Performers Award to Stanimir Rashev
Dominion Lending Centres Proudly Presents the Top Performers Award to Stanimir Rashev — a recognition from the Dominion Lending Centres network.
Read articleTypes Of Debts You Should Prioritise Repaying First
Obtaining a loan or any other type of debt will mean that you have an obligation to fulfill. You have an obligation to repay it within the time period stipulated. Adding to the dilemma is the fact…
Read articleFactors That Affect The Amount Of Mortgage You Can Qualify For
Every purchase, no matter how little or large it is, will require a varying amount of time and effort to obtain it. The bigger the investment you make, the more complex the procedures to achieve it.…
Read articleWho Can Help You Obtain A Mortgage With Ease?
Obtaining a mortgage can involve a lot of procedures. After all, it can easily be one of the largest financial choices you will ever make in your entire life. You may secretly wish everything in the…
Read articleTop Markets For Vacation Homes In Canada
Canada is one of the most versatile places in terms of meeting the needs of people wanting to visit or permanently stay in it. It has a beautiful coast in the Atlantic and great structures in the…
Read articleWhat Lenders Look For Before Approving Your Mortgage For A Cottage
Many people dream of living in a place they can call home. There are also those wanting to have a place where they can chill out and relax after a hard day's work. Others will find a serene place…
Read articleTop Obstacles That Make It Difficult For You To Get The Best Mortgage Rates
Purchasing a new home requires a lot of hard work and effort. Many of you will save your hard-earned money but sometimes it will not be enough to cover up for the price of the house you are eyeing to…
Read articleDo I Qualify For Low Mortgage Rates?
This is a question that most potential loan applicants ask. When it comes to getting mortgage loans, your credit score is the most influential determinant. Mortgage rates vary depending on the lender…
Read articleDoes Debt Consolidation Work On A Limited Income?
If you have a low monthly income, you can still make use or debt consolidation in order to pay fewer payments to your bills every month. But you can do so if the lender approves your application…
Read articleHow Does Debt Consolidation Help Me?
If you need help getting out of debt, you need to consider the option of debt consolidation. Which means that you can take out a new loan, in order to pay off other unsecured debts? For example, you…
Read articleWhen Is Bad Credit Mortgage The Right Option?
In Canada, almost every person gets some forms of benefits from the government. For example, the government gives to some citizen's child benefits, if the family does earn up to a certain amount of…
Read articlePrivate Mortgage: Pros & Cons Explained
As times go by, borrowers are being subjected to strict lending requirements that are making it hard to get the lowest mortgage rates in Quebec. If you are having a hard time qualifying for a…
Read articleIs Mortgage Refinancing A Wise Financial Move?
What is mortgage refinancing? Mortgage refinancing is where a homebuyer applies for a new mortgage to replace the original mortgage. There are a number of reasons that can make someone consider…
Read articleCommon Mortgage Terms You Should Be Familiar with When Applying for One
When applying for a mortgage for the first time, you will definitely end up having to deal with a few terms common to the mortgage industry. If you don't have a background in finance or commerce,…
Read articlePersonal Finance Issues That Can Affect Your Mortgage Rates
Getting a mortgage for the first time is usually a tricky issue for many people, particularly if they don't have a background in finance and mortgages. It is usually a good idea to do extensive…
Read articleMortgage Affordability: Learning To Determine How Much Debt You Can Afford
Applying for a mortgage is a technical process. There are many financial and housing market factors which affect the availability and affordability of mortgages for many people. Basically, if you…
Read articleCommon Mistakes That Will Mess Up Your Home Mortgage Closing
The process of applying for a mortgage can be long and tiring for many. This might include a lot of paperwork, going through your finances meticulously and in some cases even waiting for a few months…
Read articleThese 5 Steps Will Ensure You Never Miss Any of Your Mortgage Payments!
Being long term forms of debt, mortgages are financial instruments that need careful planning if you are to benefit from them. There are many instances where people end up regretting having taken up…
Read articleHow To Find A Secure Mortgage Broker
Not everybody has the financial capacity to purchase a home with his own savings. Normally, you need to take some additional finance from an outside agency. Such loans are funded by various…
Read articleWhy You're More Tied To Real Estate Than You Think (And What You Can Do About It)
Like all natural phenomena, real estate prices can rise or fall flat at any time. Though a drop in prices may be good for would-be investors or house buyers, it would play hell on your real estate…
Read articleHow To Prepare For The Housing Crash That May Not Actually Happen
It is déjà vu time in the housing market in Canada. Most Canadians have been very enthusiastic about their glorious housing bubble, fueling it with a fathomless willingness to pay whatever the asking…
Read articleCan I Remove A Name From A Joint Mortgage Without Refinancing?
There are various reasons that lead people to apply for a joint mortgage. For example, most married couples prefer to apply for a joint mortgage for their new family home. Joint mortgages are easy to…
Read articleStrategies On How To Stop Foreclosure On Your House
It is unfortunate that sometimes life does not turn out as we may want and some events lead us to get into a financial strain. When you are unable to pay your mortgage, you stand a chance of losing…
Read articleIs It Wise To Use A Mortgage Broker?
Unlike in the latter years where borrowers had to go to the bank directly and talk to bank managers about a mortgage, borrowers now have the choice of using mortgage brokers to help them get their…
Read articleBeing a Canadian Homeowner in 2016
In the first quarter of 2015 there was a great deal of discussion around the bubble bursting in Toronto real estate. In fact, some experts considered it a certainty. Looking back on those…
Read articleProtect Your Boundaries: Why Knowing Your Property Lines Matters
If you own your home then you will have at some point during the buying process or even in the years that followed considered exactly where the property line is for your home. If you are thinking…
Read articleDominion Lending Center University Quebec
Dominion Lending Center University Quebec — a recognition from the Dominion Lending Centres network.
Read articleDeclared bankruptcy 2 years ago. Will I ever be able to get a mortgage again?
When asking yourself this question it is important not to allow yourself to get too stressed out. There is a stigma to declaring bankruptcy, but you should keep in mind that there is no shame at all…
Read articleSelf-employed. Can I still qualify for a mortgage?
As someone who is self employed, of the first things to consider when looking at any mortgage is can you afford it. The bank will be able to tell you if you qualify or not. However, it is you that…
Read articleFirst time home buyer benefits
If you are a first time home buyer then you should make it your business to know all about the wide array of benefits you are eligible for in Canada. You will be thrilled to know that there are…
Read articleMontreal Mortgage Shoppers
When shopping for a mortgage in Montreal, it is important to understand how a mortgage works. You can get a mortgage from one of the following, banks, insurance companies, trust companies, loan…
Read articleReading is good. A plan is better.
A 30-minute strategy call turns these ideas into decisions about your own mortgage.