Video hub
Mortgage Video Hub: explainers, answers and walkthroughs
Every video we've published, organized by type. Animated explainers for each mortgage, short answers to the questions we hear most, and full scenario walkthroughs — each one with the written version on its page.
Animated Explainers
Two-minute animated guides to each mortgage type, with the full script written out underneath.
1:50Private Mortgages Explained: How Private Lending Works in Ontario
Who private lenders are, how they price a loan, and the three questions that decide whether a private mortgage is safe for you.
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1:45Bridge Financing Explained: Buying Before Your Sale Closes
How a bridge loan covers the gap between closing on your purchase and receiving the money from your sale — and what it costs per day.
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1:55Self-Employed Mortgages Explained: The Line 150 Problem
Why your tax return understates what you actually earn, and what A, B and private lenders each accept instead.
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2:00Reverse Mortgages Explained: CHIP and the Alternatives
How a reverse mortgage works, what CHIP does well, and the cases where we recommend something else entirely.
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1:50Mortgage Renewals Explained: Why the Renewal Letter Costs You Money
What the renewal letter really is, how much signing it costs, and the options when your lender won't renew.
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1:55Commercial Mortgages Explained: How Lenders Underwrite the Property
How commercial lenders value a building on its income, and what debt service coverage really decides.
WatchBroker on Camera
A broker explaining the topic the way we would across the desk from you.
Private mortgages: straight from our broker
A private mortgage is short-term financing secured by your home, used when a bank says no.
WatchVideo FAQ
One short clip per question we hear every week, with the written answer beside it.
0:05How much does a private mortgage really cost in Ontario?
Private mortgage pricing is the rate plus the fees: lender fee, broker fee, legal costs and the appraisal. Here is how to work out your total cost of borrowing before you sign.
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0:05Can I get a mortgage if I'm self-employed in Ontario?
Yes — but the paperwork is different. What A lenders, B lenders and private lenders each accept as proof of income when your Line 150 looks small.
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0:05Is a CHIP reverse mortgage right for me?
CHIP is one reverse mortgage option in Canada, not the only one — and sometimes not the cheapest. When we recommend it, and when a HELOC or a short-term loan is the better answer.
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0:05My bank declined my mortgage — what are my options?
A bank decline is a policy decision, not a verdict on you. The three lender tiers below the bank, and what each one needs to say yes.
WatchRecorded Answers
Unscripted answers from a licensed Ontario mortgage agent, captioned and transcribed.
1:113 questions to ask before you sign a private mortgage (it isn't the rate)
Total cost of borrowing, your 12-month exit plan, and what happens if you can't repay — the three things that decide whether a private mortgage in Ontario is safe for you.
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0:44Why private mortgage renewals are getting stuck in Ontario right now
When values fall, refinancing and selling both stop working — which is why some 2021-2022 private mortgages keep renewing, and why lenders end up in litigation instead of power of sale.
WatchScenario Tutorials
Real borrower scenarios walked through end to end with the numbers on screen.
Private Mortgage — When the Bank Says No
Self-employed homeowner with a $850K home, $400K first mortgage and $450K equity needs $200K to free up cash flow after a bank decline.
WatchSenior Reverse Mortgage — Tax-Free Cash, No Monthly Payment
Couple ages 68 & 70, mortgage-free $1.2M home, want $250K tax-free to supplement retirement income without selling.
WatchSecond Mortgage — Don't Break a Great First
$900K home with a $500K first mortgage at 4.04%. Owner needs $80K for renovations + debt consolidation. Breaking the first triggers a ~$14K penalty.
WatchRenewal — Big-Bank 4.04% Offer vs. The Market
$450K mortgage maturing — big-bank renewal letter offers 3-year fixed closed at 4.04%, plus a HELOC at 4.70% with a $60K balance. Should you sign?
WatchPrefer to read?
Every video has a written version, and the guides go deeper on rates and fees.
Educational information only — subject to approval
This website provides general educational information only and does not constitute financial, mortgage, legal, or tax advice. All rates, products, scenarios, and calculator results are illustrative and subject to lender approval, credit qualification, property valuation, and current market conditions. Mortgages are arranged by Saminder Juneja, Mortgage Broker — Mortgage Centre Canada / Get A Better Mortgage Inc. (FSRA #10874). Nothing on this site constitutes an offer to lend.