Mortgage Tips

If you are looking at a private mortgage in Ontario this fall, here is the short answer: expect roughly 7–12% on a first mortgage and 10–14% on a second, based on rate ranges published by Ontario brokerages in 2026. Compare that with bank pricing right now — advertised 5-year fixed rates are sitting around 4.39%

If you’re juggling credit card balances, a car loan, and a line of credit on top of your mortgage payments, you’re not alone — and yes, a second mortgage for debt consolidation in Ontario can roll those high-interest debts into one lower-rate payment secured against your home equity. In this guide, I’ll explain exactly how

Every fall, renewal season picks up across Ontario — and this year, one question keeps coming up in my conversations with borrowers: should I go variable or fixed? It’s a fair question. A lot has changed since the rate shock of 2022 and 2023. The Bank of Canada has held its overnight rate steady for