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Mortgage blog.

Articles that answer the common questions, and case studies that work the same decisions through with real numbers.

Quebec river crossed by a bridge

Private mortgage: the real cost of one year and the way out

Rate, upfront fees, brokerage fees and extension fees: what one year really costs, with a fictional example, and the exit plan to fix before signing.

Refinancing: how much money you actually walk away with

From estimated value to the money that lands in your account: what gets taken off along the way.

Renovations: choose the source of funds before work starts

Savings, line of credit, or refinancing: it depends on the work schedule as much as on the rate.

Debt consolidation: lower payment or longer debt?

Your current payments, the new mortgage balance, how long it takes, and the total interest. All four, not just the payment.