Mortgage

Pre-Change Positioning

Posted byby The Research Bureau to Get [ your home ]

Why 30-Year Amortization Is a Trap for Most First-Time Buyers

Nearly $100,000 extra in interest for $232 monthly savings means your 30-year mortgage becomes the most expensive convenience you'll ever buy.

Renewal strategy

Posted byby The Research Bureau to Get [ your home ]

9 Mortgage Renewal Mistakes That Cost Canadians Thousands

Over 80% of Canadians lose $8,000+ by auto-renewing mortgages without negotiating—discover which nine mistakes are draining your equity.

Income Verification Rules

Posted byby The Research Bureau to Get [ your home ]

How to Calculate Your Debt Service Ratios (GDS and TDS)

The math behind GDS and TDS ratios determines your mortgage approval, but most borrowers miscalculate these critical numbers from the start.

Housing Co-op Entry

Posted byby The Research Bureau to Get [ your home ]

Can Three People Get a Mortgage Together in Ontario?

Not sure if three people can co-borrow a mortgage in Ontario—lenders allow it, but strict rules apply.

Climate-Resilient Features

Posted byby The Research Bureau to Get [ your home ]

Standard Mortgage vs Green Mortgage: Is the Rate Discount Worth It?

A 10-25 basis point green mortgage discount sounds appealing, but hidden costs and vanishing benefits tell a different story.

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