by Karen Wotherspoon | Jan 9, 2026 | Blog, Mortgage
Many homeowners are surprised when they first learn how their mortgage payments are allocated. If you’ve been paying your mortgage for a few years, you may assume that each payment is steadily chipping away at your principal balance. In reality, during the early years...
by Karen Wotherspoon | Nov 28, 2025 | Blog, Mortgage
Canada’s housing market has continued its sluggish trajectory through 2024 and into 2025, with formerly high-pressure regions like Toronto experiencing an unmistakable slowdown. A combination of recessionary pressures, elevated post-pandemic interest rates, and a...
by Karen Wotherspoon | Oct 31, 2025 | Homeownership, Mortgage
When it comes to choosing the right mortgage, there’s no one-size-fits-all answer. From fixed to variable, short-term to long-term, the best option truly depends on you – your lifestyle, comfort level with risk and long-term financial goals. A fixed-rate mortgage, for...
by Karen Wotherspoon | Oct 11, 2025 | Mortgage
If you’re new to Canada, welcome! You’ve already taken one of the biggest and most exciting steps in your life. Building a new home, career and community takes courage, and homeownership is often a big part of that dream. The good news is, even if you don’t have an...
by Karen Wotherspoon | Sep 7, 2025 | Blog, Mortgage
Being your own boss definitely comes with benefits, including flexibility, independence and the ability to build something on your own terms. But when you’re buying a home, self-employment can make securing a mortgage more challenging. Traditional lenders often rely...
by Karen Wotherspoon | Aug 22, 2025 | Blog, Mortgage
When your mortgage term comes to an end, you’ll face an important decision: Should you renew with your current lender or switch to a new one? While it may seem like a straightforward process, this choice can have a significant impact on your financial future, so it’s...
