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There is a historical appeal to variable-rate mortgages due to their low initial costs, but this trend is not evident in 2025. Canadians have instead shifted their focus to fixed-rate mortgages, but why? With the economy rapidly changing, Canadians have... View Article
Stepping into private mortgage lending can feel confusing and, at times, difficult. You’ve got to stay sharp when it comes to paying it back, and that all kicks off with getting a handle on recourse versus non-recourse mortgages. These terms... View Article
Mortgage brokers act as intermediaries in the real estate financing industry. Borrowers search for financing opportunities, whereas lenders look for investment opportunities in an applicable mortgage. Successful brokers balance the competing interests of the two groups: Borrowers want access to... View Article
With the real estate market evolving, investors are searching for more ways to grow capital. Syndicated mortgages have emerged as a way to invest in large development projects without buying a property and provide high returns with real estate security.... View Article
A Home Equity Line of Credit (HELOC) is great for homeowners seeking more flexible funds. If you are improving your home, consolidating debt, or facing other expenses, a HELOC lets you borrow money using your property’s equity. Flexibility aside, every... View Article
If homebuyers are looking for properties with value beyond conventional lending limits, they would need a jumbo mortgage. Jumbo financing can appear daunting because of the high amounts and stringent requirements. Even so, the instrument remains necessary for high-value financing.... View Article
In the current real estate trading environment, homeowners, buyers, and private lenders turn to property valuation software to answer pressing questions. These sites promise an immediate estimate of home worth, and the convenience makes them popular. However, the question of... View Article
Financing a mortgage can be challenging to understand, and even harder to walk into for the first time. Homeowners have found novel ways to generate extra cash, like through a third mortgage – the lesser-known cousin of first and second... View Article
If you’re looking to invest in a Mortgage Investment Corporation (MIC), you’ll need to know the comparison to mortgage brokers and private lenders. It’s important to have a clear idea of the benefits that each of these offers to both... View Article
Canadian banks are regulated by bodies like the Office of the Superintendent of Financial Institutions (OSFI) and the Financial Consumer Agency of Canada (FCAC), and the Bank of Canada also plays a role. The regulations they adopt for mortgage brokers... View Article
