Mortgage & Financing - Page 12

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Mortgage & Financing

Mortgage Stress Test Canada: Impact on Buying Power

Scott Dillingham Dec 22, 2025 · 9 min read

Canada's mortgage stress test reduces how much you can borrow. Learn the 5.25% benchmark rate rule, how it affects investors, and strategies to maximize.

Mortgage & Financing

Refinance Your Home for an ADU: CMHC 90% LTV Guide

LendCity Dec 22, 2025 · 6 min read

Refinance your Canadian home at up to 90% completed value to add a rental unit. CMHC ADU program details, basement apartments, and laneway house financing.

Mortgage & Financing

Common Mortgage Questions Answered by Experts

LendCity Dec 22, 2025 · 10 min read

Expert answers to common mortgage questions in Canada. Down payment requirements, how interest rates work, CMHC insurance costs, and pre-approval process.

Mortgage & Financing

5 Year Fixed vs Short Mortgage Terms: Investor Analysis

LendCity Dec 22, 2025 · 7 min read

Should investors pick 2-3 year mortgage terms hoping rates drop? Data shows why 5 year fixed rates often beat shorter terms and save you money in Canada.

Mortgage & Financing

3 Types of Mortgage Pre-Approval Canada: Which Protects You?

LendCity Dec 22, 2025 · 10 min read

Learn the 3 types of mortgage pre-approval in Canada: verbal, rate hold, and fully underwritten. Only one actually locks your rate and guarantees financing.

Mortgage & Financing

Best Mortgage Brokerage to Work For in Canada (2026)

LendCity Dec 22, 2025 · 8 min read

What separates great mortgage brokerages from average ones in Canada. Why brokers beat banks, admin support importance, and what to look for when joining a.

Mortgage & Financing

Mortgage Documents Checklist Canada: What Brokers Need

LendCity Dec 22, 2025 · 8 min read

Complete Canadian mortgage paperwork checklist for investors. Employment letters, T1 returns, NOA, rental schedules, and everything your broker needs for fast.

Mortgage & Financing

Why Going Direct to Your Bank Often Costs You Real Money Over Time

LendCity Dec 22, 2025 · 7 min read

Real estate investors often leave money on the table by going direct to banks. How commercial mortgage brokers can unlock better LTV, lower rates, and more.

Mortgage & Financing

Stated Income Mortgage Programs for Self-Employed Canada

LendCity Dec 19, 2025 · 7 min read

Stated income mortgage programs help self-employed Canadians qualify when your Notice of Assessment doesn't reflect true earnings.

Mortgage & Financing

100% Financing for Owner-Occupied Commercial Property

LendCity Dec 18, 2025 · 9 min read

Purchase a commercial building with zero down payment in Canada. NOI-based lending criteria, eligible property types, and how to qualify for 100% financing.

Mortgage & Financing

How to Buy a House with No Down Payment in Canada

LendCity Dec 18, 2025 · 9 min read

Buy a home with no cash saved using CMHC FlexDown, RSP loans, and cash-back mortgages. Real strategies for Canadian first-time buyers with 700+ credit scores.

Mortgage & Financing

Mortgage Pre-Approvals: Realtor Guide to Smart Lenders

LendCity Dec 18, 2025 · 8 min read

How current mortgage rates in Canada impact pre-approvals. Compare fixed vs variable, insured vs uninsurable mortgages, and help clients maximize buying power.