Guides & articles
Longer reads on topics worth working through properly. If you have one specific question, the answer library is faster — one question, one page, answered in the first few lines.
The FHSA explained: how GTA first-time buyers actually use it in 2026
The most powerful tool for first-time buyers — and most people use it wrong.
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The RRSP Home Buyers’ Plan: up to $60,000 toward your down payment
Borrow up to $60,000 from your RRSP tax-free — and how to stack it with the FHSA.
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Power of Sale in Ontario: how a private mortgage can stop it
Facing a power of sale? You may have less time — but more options — than you think.
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Using ChatGPT for mortgage advice: when it helps, and when to call a broker
AI is great for the basics — but it can’t see your file or shop 50+ lenders.
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Renewing in 2026? What to do if your payment is about to jump
Locked in during 2020–21? How to soften the increase and avoid overpaying.
Read the article →Looking for a specific question?
Several topics that used to live here have moved into the answer library, where each one gets its own page and a direct answer in the first few lines rather than a full article to read through.
- My renewal letter arrived. Should I just sign it?
- Should I choose a fixed or variable rate?
- The bank declined me. What does that actually mean?
- I’m self-employed and can’t prove income. Can I still qualify?
- I moved out. Am I still on the hook for the mortgage?
- Should I refinance, or take a second mortgage?
Tools & references
Have a topic you want covered?
Tell me what you’re wondering about and I’ll help — or write about it.
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