Purchase, Refinance & Renewal Insights
Rate outlooks, renewal playbooks, refinance strategy and first-purchase checklists for Ontario homeowners and buyers.
Mortgages for Purchases / Refinance / Renewals articles (7)
Fixed Mortgage Rates Just Went Up Again — What to Do Before October 28
All Big Six banks have raised fixed rates in recent weeks as the 5-year bond yield hit ~3.73%. Why it's happening, three dates to watch, and what I'm telling clients who are renewing, pre-approved or weighing variable.
Canadian Banks Post Real Losses, But Is It Doom and Gloom?
EQB lost $127.3M and Laurentian swung to a $20.5M loss in 2026. What's acquisition accounting, what's restructuring, and the real reserve build quietly happening in GTA suburb mortgages.
Mortgage Offset Account in Canada: vs HELOC, Reverse Mortgage and the Smith Manoeuvre
Why true offset accounts are rare in Canada, how readvanceable products like Scotia STEP, CIBC Home Power Plan and Manulife One actually differ, and where the Smith Manoeuvre and the Debt Swap fit in.
Canadian Home Buyer Checklist — Post-Offer Through Move-In
Just had an offer accepted? This step-by-step Ontario home buyer checklist covers legal, insurance, utilities, property taxes, address changes, and condo move-in — everything you need between today and closing day.
3 Strategies That Saved a Burlington Client Over $3,500/Month
Case study: an $800K credit-union mortgage at renewal, $80K of 16% consumer debt, and a $27K car loan — restructured into a single $940K interest-only credit line. See the charts and the math.
Ontario HST Rebate Expanded: Save $60K–$75K on New Builds — Now Open to ALL Buyers
The HST credit for new construction was previously limited to first-time buyers only. Ontario has now expanded it to ALL purchasers. See a full resale vs. new build cost comparison for Brampton townhomes.
Smart Tax Refund Strategy: How to Use Your Home Equity
Learn strategic ways to leverage your home equity for tax planning and financial optimization.
Browse other mortgage topics
- Private Mortgage / Bridge FinancingPrivate and bridge lending, second mortgages, bank declines, credit recovery and exit strategies.
- Senior's FinancingReverse mortgages, home equity for retirement income and estate planning for homeowners 55+.
- Self Employed FinancingApprovals for business owners, contractors and incorporated borrowers with write-offs.
- Commercial FinancingCommercial, multi-unit, corporate-held and CMHC MLI-backed debt across Canada.
- All articlesSearch the full mortgage blog library by keyword.
Not sure which option fits your situation?
Submit a quick request — PIPEDA-compliant — and we'll send tailored next steps.