The Mr. Mortgage Blog

The Latest Mortgage Headlines Explained…

Specific Mortgage Concepts That Are Essential To Know…

Predictions & Analyses on the Market…

Community, Wellness, Promos, and more…

News Highlights

Blog
Fractional Home Ownership: The New Way to Invest in Real Estate Or Just a Fancy Timeshare?
Fractional Home Ownership: The New Way to Invest in Real Estate Or Just a Fancy Timeshare?
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Trump’s 50-Year Mortgage Idea Sparks Backlash: Why Longer Isn’t Always Better for Homebuyers
Trump’s 50-Year Mortgage Idea Sparks Backlash: Why Longer Isn’t Always Better for Homebuyers
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OSFI Keeps Mortgage Stress Tests & Debt Caps: What This Means for Canadian Homebuyers
OSFI Keeps Mortgage Stress Tests & Debt Caps: What This Means for Canadian Homebuyers
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Are Variable-Rate Mortgages Worth It? What You Need to Know Before You Decide
Are Variable-Rate Mortgages Worth It? What You Need to Know Before You Decide
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Neo, Pine, Nesto, True North: The Unseen Side of Digital Bank Mortgages
Neo, Pine, Nesto, True North: The Unseen Side of Digital Bank Mortgages
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Canada’s Banking Risk and Rising Mortgage Defaults: Homeowners Edition
Canada’s Banking Risk and Rising Mortgage Defaults: Homeowners Edition
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CMHC Predicts: Toronto’s Condo Market May Turn Around
CMHC Predicts: Toronto’s Condo Market May Turn Around
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Ontario’s Real Estate Regulator Faces Scrutiny Following iPro Realty Scandal
Ontario’s Real Estate Regulator Faces Scrutiny Following iPro Realty Scandal
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📉 Mortgage Delinquencies Are Rising in Ontario — Here’s What It Means for You
📉 Mortgage Delinquencies Are Rising in Ontario — Here’s What It Means for You
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More Canadians Are Retiring with Mortgage Debt — Here’s What That Means for You
More Canadians Are Retiring with Mortgage Debt — Here’s What That Means for You
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Pandemic Cottage Boom Turns into a Bust: Here’s What It Means for You
Pandemic Cottage Boom Turns into a Bust: Here’s What It Means for You
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Why More Canadians Are Selling Their U.S. Vacation Homes Right Now
Why More Canadians Are Selling Their U.S. Vacation Homes Right Now
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Why BMO’s New Mortgage Rules Matter — Especially If You’re Self-Employed
Why BMO’s New Mortgage Rules Matter — Especially If You’re Self-Employed
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Will Trump’s Policies Keep Mortgage Rates High in 2025? Here’s What You Need to Know
Will Trump’s Policies Keep Mortgage Rates High in 2025? Here’s What You Need to Know
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GST Holiday and $250 Cheque: What They Mean for You and Your Mortgage
GST Holiday and $250 Cheque: What They Mean for You and Your Mortgage
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OSFI Eases Mortgage Stress Test Rules: A Win for Some Borrowers
OSFI Eases Mortgage Stress Test Rules: A Win for Some Borrowers
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Key Concepts

Blog
Blend and Extend Mortgages: What They Are and When They Can Help
Blend and Extend Mortgages: What They Are and When They Can Help
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Mortgages After Separation: What I Want Homeowners to Know
Mortgages After Separation: What I Want Homeowners to Know
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Condo & Townhouse Maintenance Fees: Why They Matter More Than You Think
Condo & Townhouse Maintenance Fees: Why They Matter More Than You Think
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First-Time Home Buyer Programs vs. Minimum Down Payment Rules: Clearing Up the Confusion
First-Time Home Buyer Programs vs. Minimum Down Payment Rules: Clearing Up the Confusion
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How Co-Signers and Guarantors Affect Your Mortgage Approval and Terms
How Co-Signers and Guarantors Affect Your Mortgage Approval and Terms
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Why Bother With Mortgage Default Insurance?
Why Bother With Mortgage Default Insurance?
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Understanding Credit Scores and Their Impact on Your Mortgage: Navigating A/B vs. C Lenders
Understanding Credit Scores and Their Impact on Your Mortgage: Navigating A/B vs. C Lenders
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Understanding Interim Occupancy: What It Means for Your Mortgage
Understanding Interim Occupancy: What It Means for Your Mortgage
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Porting Your Mortgage: What It Is and Why It’s Not Always So Simple
Porting Your Mortgage: What It Is and Why It’s Not Always So Simple
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Bridge Financing: What It Is & Why It Could Save Your Next Move
Bridge Financing: What It Is & Why It Could Save Your Next Move
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What Are Trigger Rates—and Should You Be Worried About Them in 2025?
What Are Trigger Rates—and Should You Be Worried About Them in 2025?
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Collateral Charge vs. Standard Charge Mortgages: What’s the Difference (and Why It Matters)
Collateral Charge vs. Standard Charge Mortgages: What’s the Difference (and Why It Matters)
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Understanding Gifted Down Payments and the Deed of Gift in Ontario
Understanding Gifted Down Payments and the Deed of Gift in Ontario
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IRD: What To Know About These Common Penalties
IRD: What To Know About These Common Penalties
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Market Analysis

Blog
How the War in Iran is Impacting Your Mortgage
How the War in Iran is Impacting Your Mortgage
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Bank of Canada Holds at 2.25%: What This Means for the Housing Market Right Now
Bank of Canada Holds at 2.25%: What This Means for the Housing Market Right Now
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The Bank of Canada Holds at 2.25%: Why Relief Is Pausing, Not Reversing for Mortgage Borrowers
The Bank of Canada Holds at 2.25%: Why Relief Is Pausing, Not Reversing for Mortgage Borrowers
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Variable Mortgages: The Smart Play for 2026, But Only If You Know How to Use Them
Variable Mortgages: The Smart Play for 2026, But Only If You Know How to Use Them
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What the BoC’s Nov 2025 Quarterly Financial Report Means for You and How to Prepare
What the BoC’s Nov 2025 Quarterly Financial Report Means for You and How to Prepare
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Thanks To USA, Sorta: Falling Five-Year Fixed Mortgage Rates
Thanks To USA, Sorta: Falling Five-Year Fixed Mortgage Rates
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What the Recent Bank of Canada Rate Drop Means for Your Mortgage Renewal
What the Recent Bank of Canada Rate Drop Means for Your Mortgage Renewal
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Canada’s Home Supply: Why More Houses Matter for Mortgages
Canada’s Home Supply: Why More Houses Matter for Mortgages
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Bank of Canada Holds Rates Steady — What It Means If You’re Renewing Your Mortgage
Bank of Canada Holds Rates Steady — What It Means If You’re Renewing Your Mortgage
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It’s Still a Buyer’s Market in Canada — But Don’t Wait Too Long
It’s Still a Buyer’s Market in Canada — But Don’t Wait Too Long
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Mortgage Rates Gearing to Climb Again in 2025 — & What To Do About It
Mortgage Rates Gearing to Climb Again in 2025 — & What To Do About It
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What’s Going On With Non-Bank Lenders? Here’s What You Need to Know
What’s Going On With Non-Bank Lenders? Here’s What You Need to Know
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How the Global Tariff War Could Impact Ontario’s Mortgage Market
How the Global Tariff War Could Impact Ontario’s Mortgage Market
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CREA Forecast: Home Sales Set to Rebound in 2025 – What It Means for You
CREA Forecast: Home Sales Set to Rebound in 2025 – What It Means for You
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Community & More

Blog
Why I’m Cautious About House Flipping in Today’s Market
Why I’m Cautious About House Flipping in Today’s Market
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A Recent Refinance Success Story: Creating More Monthly Cash Flow
A Recent Refinance Success Story: Creating More Monthly Cash Flow
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Why Nearly Half of Canadian Homebuyers Still Choose Mortgage Brokers in 2026
Why Nearly Half of Canadian Homebuyers Still Choose Mortgage Brokers in 2026
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Building Wealth One Smart Habit at a Time: My Top Money Moves for 2026
Building Wealth One Smart Habit at a Time: My Top Money Moves for 2026
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Brokers Are Finally Taking Transparency Into Their Own Hands
Brokers Are Finally Taking Transparency Into Their Own Hands
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RealEstateTies Podcast Episode 3 Out Now!
RealEstateTies Podcast Episode 3 Out Now!
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Using Cryptocurrency to Buy a Home in Canada: What You Need to Know
Using Cryptocurrency to Buy a Home in Canada: What You Need to Know
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Celebrating Community: Proudly Sponsoring a Youth Dodgeball Event
Celebrating Community: Proudly Sponsoring a Youth Dodgeball Event
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Hulk Hogan’s Financial Mess: What It Teaches Us About Protecting Our Families
Hulk Hogan’s Financial Mess: What It Teaches Us About Protecting Our Families
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Why “Keep Pushing for a Better Rate” Might Be Costing You More Than You Think
Why “Keep Pushing for a Better Rate” Might Be Costing You More Than You Think
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Giving Back: Mr. Mortgage Proudly Sponsors “Diapers for a Difference” Charity Event
Giving Back: Mr. Mortgage Proudly Sponsors “Diapers for a Difference” Charity Event
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Proudly Supporting Seawaves Soccer Academy – Building the Future, One Goal at a Time ⚽
Proudly Supporting Seawaves Soccer Academy – Building the Future, One Goal at a Time ⚽
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Introducing: Real Estate Ties — A Podcast by Mr. Mortgage and Properties with Peter
Introducing: Real Estate Ties — A Podcast by Mr. Mortgage and Properties with Peter
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How Being Active in Your Community Can Help You Reach Your Homeownership Goals
How Being Active in Your Community Can Help You Reach Your Homeownership Goals
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