Research program
Original Mortgage Research
Observations from real client files, published only when verified and anonymized. Until a dataset is large enough, each report is published as expert commentary with no statistical claims.
By Saminder (Sami) Juneja, Mortgage Broker · Published · Updated
Reports
Expert commentary · Updated 2026-09-29
The Canadian Self-Employed Mortgage Report
How self-employed Canadians qualify for a mortgage, where files get stuck, and what accountants and business owners should plan for.
Expert commentary · Updated 2026-09-29
The Mortgage Decline Reasons Report
Why Canadian mortgage applications get declined by banks, and what borrowers can realistically do next.
Expert commentary · Updated 2026-09-29
The Private Mortgage Trends Report
Why Canadian borrowers use private mortgages, how long they keep them, and what a realistic exit looks like.
Expert commentary · Updated 2026-09-29
The Senior Home Equity Questions Report
The questions Canadians 55+ and their families ask about reverse mortgages, HELOCs and using home equity in retirement.
Expert commentary · Updated 2026-09-29
The Mortgage Documentation Report
Which mortgage documents cause the most delays in Canada, and how borrowers can prepare a complete file.
Our data standard
- Only verified, anonymized files from The Juneja Group's own practice.
- A statistical edition needs at least 100 records and a stated date range.
- Every report states its method, sample size, date range and limitations.
- No invented numbers. If the data isn't there, we publish commentary and say so.
Request an interview / media inquiry
Journalists, accountants and financial publications can request comment from Saminder (Sami) Juneja, Mortgage Broker. Please include your outlet, topic and deadline.
Educational information only — not financial, legal or tax advice, and not an offer or approval. Rates and lender policies change; all financing is subject to lender approval.