Mortgage broker vs bank: compare choice, rates, flexibility and support so you can choose home financing that fits your circumstances with confidence.

Refinance mortgage for debt consolidation may lower payments, but the right choice depends on rates, fees, equity and your long-term plan for repayment.

Learn how to renew your mortgage early, compare lenders, weigh prepayment charges and choose a term that suits your plans and budget with confidence.

Renewal versus refinance mortgage choices explained: compare costs, equity access and timing so you can choose a mortgage that suits your next move.

Learn the minimum deposit for first home purchases in Canada, mortgage insurance rules, and the costs to plan for before you make an offer in advance.

Understand the mortgage pre approval process, what lenders check and how to prepare, so you can shop for a home with confidence and less stress upfront.

Wondering how much can I borrow mortgage-wise? See how income, debts, deposit, credit and stress testing shape a realistic Canadian budget today safely.

Choosing a fixed or variable mortgage is about more than rate. See how payments, flexibility and risk shape the right choice for your next move in Canada.

Choosing the best mortgage broker or bank depends on your needs. Compare choice, advice, speed and service before you make a confident mortgage decision.

Know which documents needed for mortgage application lenders expect, from income proof to deposits, so your Canadian home loan can move ahead smoothly.

Learn how to get mortgage approval with clear steps on credit, income, deposit and documents, plus practical help for Canadian buyers and homeowners today.

Explore mortgage options for self employed borrowers, how lenders assess income, what documents help, and ways to improve approval chances.

Should you use home equity to pay debt? Learn when it can lower costs, when it adds risk, and how to decide if refinancing makes sense.

Considering a home equity loan for renovations? Learn when it makes sense, costs to weigh, and how to borrow with more confidence.

Learn how mortgage renewals work in Canada, when to review your rate, what lenders offer, and how to choose terms that fit your plans.

First time home buyer loan guidelines explained simply - deposits, income, debt, credit, and approval steps to help you buy with more confidence.

Understand first time buyer mortgage requirements in Canada, from deposit rules and credit checks to income proof, stress tests and closing costs.

We try our best with every client, as we know just how important your financing is - and how stressful it can be. And we love feeling the love back.... "**Exceptional Service from Start to Finish!** I recently had ...

But "of course" there is a catch... TORONTO - The Canadian government will allow 30-year amortization periods on insured mortgages for first-time homebuyers purchasing newly built homes. Finance Minister Chrystia Freeland made the announcement in Toronto today, saying it ...

Let's get PreApproved NOW From the FinancialPost.com author Noella Ovid Homebuyers who are already pre-approved for a mortgage should enter the housing market now instead of waiting for interest rates to go down, according to one industry expert. ...

From The Financial Post (Jason Clemens, Grady Munro and Milagros Palacios are economists with the Fraser Institute) Almost all the media coverage of Statistics Canada’s recent economic report heralded the fact that Canada avoided a recession in the fourth ...

This from TD today (going "hand in hand" with a "lower than consensus" inflation report released earlier in the day) Persistently high shelter costs remain the most prominent threat to the Bank of Canada’s efforts to restore overall inflation ...

It does feel like we are in recession here in Canada "already" - but Big Brother to the south of us is taking their time getting there... but it is* coming and we will get some interest rate relief ...

Okay, so unless we've been on a different planet lately, we are exhausted hearing about inflation... yes it's bad and yes it's here - but with the holidays coming (spending and prices on the rise) - We need to ...

So the Bank of Canada rate announcement from last week was "lower than expected" and that has many asking the "where do we go from here?" question. Well, the BOC really is still treading a fine line between "fighting ...

So the US Inflation numbers (to be released tomorrow) are expected to match (the figure from March) a 40 year high - all but paving the way for more rate increases. The overall consumer price index (CPI) is expected ...

These are turbulent times we are in, from inflation to stock markets, not to mention the "R" word - the economy has pushed Covid out of the news and is now making headlines. With that, YOU may have finance ...

Yes, unless we've been away on a deserted island somewhere... we know that inflation is playing a big roll in our lives along with it's effect on the economy and in turn, interest rates. For those that have higher ...

So, Variable Rate vs Fixed Rate… what is going on? The five-year GoC bond yield continues to rise (and this is how fixed rate mortgages are priced - "when the bond yield rises… fixed rates follow”). Variable rate mortgages ...

Mortgage Refinancing in Burlington Ontario Is it time to start considering mortgage refinancing for your home?  There are tons of reasons to consider mortgage refinancing.  From consolidating credit cards to utilizing your equity to secure a loan, sometimes refinancing ...

Find a Mortgage Broker in Oakville, On Are you looking for a mortgage broker in Oakville, Ontario? Peter Motem is a licensed broker serving Oakville, Burlington, Halton Hills and all the surrounding areas.  He offers virtual services or will ...

“Everyone deserves the best when purchasing or refinancing their home, so I am here to make a difference when it comes to YOUR mortgage. Since my business is built through referrals from satisfied customers, YOUR positive experience is essential ...

Mortgages for First Time Home Buyers Deciding to buy your first home is such an exciting experience. Finding the right mortgage can be downright overwhelming, if you aren't sure where to look. Banks may offer you an easy route ...

You might be considering a way to free up more cash or take advantage of lower interest rates.  Maybe you're asking yourself, "Should I Refinance My Mortgage?"  The short answer is...it depends. Deciding whether or not to refinance your ...

It's the time of year where "mortgage renewals" are often talked about - and we here at EasyApproval.ca get many inquiries on rates and terms. Today we had the pleasure of speaking with a lender that offered our office ...

So we all know that Covid hit hard and Ontario suffered... to the tune of some 1.1M jobs being lost.What you might not have known though... is that employment has since recovered - and there are some 160K MORE ...

This is always a fun day for us - when we deliver the BIG cheque (always a laugh) and see some happy faces... these guys, Sarah and Shane were great to work with from the start... Happy Home Owners ...

With the bond market moving, inflation climbing, and unemployment falling… Mortgage Rates are on the move, and if you’re looking to “lock in” a good rate for your future shopping – NOW is the time. EasyApproval.ca is here ...

The Bank of Canada has announced that its target for the overnight rate will remain at the effective lower bound of 0.25%, with the bank rate at 0.5% and the deposit rate at 0.25%. However, while the central bank ...

  We are well into the fall season... and the fall home buying season as well - and with interest rates moving, NOW is the best time for EasyApproval.ca Everyone deserves the best when purchasing (or refinancing their home),  ...

Canada’s ongoing immigration initiatives bring a steady supply of potential buyers (and borrowers) to the real estate sector. Recognizing that this sector requires unique rules for mortgage qualifying, lenders and insurers have introduced a number of ways to help "New ...

  Expectations for the first interest rate hike have moved up to as early as April as inflation concerns grow and supply disruptions persist. Nearly half of Canadian businesses (45%) expect inflation to run hot at 3% over the ...

  Self Employed Mortgages & Mortgage Solutions for Unique Situations We all have unique situations that require innovative solutions.  When it's time to find a mortgage tailored to you, a mortgage broker is the perfect fit.  With access to ...

Why Use a Mortgage Broker? Mortgage Brokers are trained professionals (independent from the banks) licensed to represent and provide YOU with the best advice for YOUR home financing. A mortgage broker works hard for You and Not the "banks" ...

In mortgages, there’s always some element of risk. "Yes" Variable rate mortgages come with the upfront risk – your interest rate will change as the prime rate changes. Rate changes are usually announced at eight Bank of Canada meetings ...

Working hard to get a "Great Mortgage for You" is what we are here for... Always love a great review and "Thank You". When you are shopping for your next mortgage... EasyApproval.ca is the place to get it done.

With May inflation stats hitting 3.6%, the highest in a decade, here's a brief outline of how inflation has affected Canada in the last several decades. From a 20% high in the aftermath of WW2, to the high inflation ...

  Why YOU Should Use a Mortgage Broker Whether you are looking to purchase your first home, refinance your mortgage or just found out you don’t qualify at your bank, you should consider using a mortgage broker... Unlike your ...

Handling a Mortgage after a Separation or Divorce Going through a separation or a divorce is very difficult, and there is a lot to consider, including the mortgage you once shared with your spouse. Deciding who gets the house ...

Here we are half way through 2021 (time is flying by and summer is now here!) and with EasyApproval.ca - one lucky client will be getting a FREE Mortgage Payment... and your chance to win could be close to ...

June 1st at Midnight. If you are thinking of refinancing or are buying a new home, the rules for the stress test will change (qualifying rate will increase from the current 4.79% up to 5.25%) making your budget tighter; ...

"Happy Clients" are the best reward for any business... and "Great Reviews" are the icing on the cake! Trust EasyApproval.ca for YOUR financing and see the difference yourself - Call Today and "Let's Get Started!"

How to Choose Between Fixed and a Variable Mortgage Rate If you’re trying to decide between a fixed or variable mortgage rate, you need to look into the advantages and disadvantages of each option so that you can make ...

Mortgage Pre-Approval Checklist If you are looking to buy a home, a pre-approval is a must because this will provide you with accurate information regarding the amount you can afford. Assuming is never a good idea because you may ...

This is news that just came across minutes ago (April 8th 2021) that could be important news for those out there looking to buy: The Office of the Superintendent of Financial Institutions (OSFI) is opening consultations today on a ...

I was referred to Peter by my Realtor, she said this guy is very knowledgeable in the market and you can trust him to find a solution for you. Peter did not disappoint. I had no idea about securing ...

Now don't get me wrong - we are STILL in a period of historically low mortgage rates... but they are on the rise and we have been telling anyone that would listen that "it's because of the bond market". ...

Okay - I for one am not about to argue with him as far as investment and financial advice goes... so when he thinks "it's time to refinance your mortgage" - it's probably "go time". Here is the very ...

Both corporations and households are more indebted now than they were in 1990, the last time the Canadian housing bubble was said to have popped due to a recession. While debt levels in Canada are far higher today than ...

  When you trust EasyApproval.ca to help with your financing, you’re getting access to great service AND great rates… and as part of the “Top Team in Canada” for INVIS/ Mortgage Intelligence, you can be sure you’re dealing with ...

I think we can all agree, "there is no place like home" but there can be times when payments can get in the way... and who wouldn't like a payment vacation next January? This year EasyApproval.ca wants to give ...

So your mortgage is up for renewal this year?... "Congratulations - couldn't come at a better time!" since mortgage rates are at historic lows. Want to make it even better? Switch your mortgage with EasyApproval.ca and not only will ...

  Your mortgage might be coming up for renewal this year... so it's better to make sure your credit is in good enough shape to get at the great rates that are out there! Creditors can make mistakes on ...

Congratulations to Patricia & Andrew on winning the "EasyApproval.ca Free Mortgage Payment" draw for 2020 (they have also been very kind and donated it to charity) Thanks to Everyone...and "Let's get You entered for Next Year's draw!" https://easyapproval.ca ...

Here is some good news (when we need it most) that the qualifying rate is being reduced making it easier to qualify: Benchmark Qualifying Rate: Current Effective March 23, 2020 Rate Change Benchmark Rate Benchmark Rate 5.19% 5.04% -0.15% ...

Mortgage Broker Burlington Ontario So we are seeing the stock market and oil prices taking a beating today, and coming along for the ride are bond markets... with falling mortgage rates to follow. We have already seen ...

If you've been watching the bond market, you'll already know that the yield has been steadily declining for a couple of months now - and this week with the US and the Bank of Canada making moves (that affect ...

GREAT NEWS for Mortgage Rates Effective July 22, 2019, the Bank of Canada 5-year Benchmark Qualifying Rate is being reduced down to 5.19% (from the current 5.34%) so this is great news for those shopping for a mortgage with less than ...