Resources
Updated quarterly. No SEO fluff. If we can’t fit it on one screen of advice, we break it into chapters.
Stress test, CMHC minimums, RRSP Home Buyers' Plan, FHSA, FTHBI — what each is, when each helps, and how they stack. Updated for the new $1.5M insured-mortgage threshold.
Read the guide →OSFI's B-20 stress test forces lenders to qualify you at a rate higher than the one you actually pay. We walk through the math with three real examples.
Read the guide →Declared income vs. take-home reality. Add-back rules, two-year averaging, gross-up factors. Why an A-lender can say no when a B-lender says yes — and vice versa.
Read the guide →When the prepayment penalty pays back, when it doesn't, and the three sneaky lender tactics to watch for in IRD calculations.
Read the guide →Your bank's renewal letter is a starting offer, not a final one. Here's how to use the rate-hold window like a negotiating tool.
Read the guide →If you've been told you don't qualify, here's the playbook: utilization ratios, secured cards, derogatory item dispute timing, and a realistic month-by-month plan.
Read the guide →Four times a year we send a single email with rate forecasts, regulatory changes, and the new article in the library. Less than ten minutes of reading. No upselling.
