Mortgage blog.
Articles that answer the common questions, and case studies that work the same decisions through with real numbers.
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When should you start comparing a mortgage renewal?
Open the envelope right away. The time left before maturity is what gives you negotiating room.
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.
Choose a term around your plans, not only the rate
A sale, a move, a repayment: the term length should follow your life, not just the best posted rate.
Mortgage penalty: calculate the cost before making a change
Before you sell, switch, or refinance: get a written amount, with a date on it, and add it to your costs.
Fixed or variable: the question isn’t where rates are headed
Nobody knows where rates are going. Look instead at what your budget can absorb, and what the contract allows.
Buying before selling
Sell first, make a conditional offer, or bridge it with temporary financing. Three paths, compared against realistic dates.
Renewal compared before maturity
Your lender sends you an offer. We put it on the same footing as the others: balance, term, privileges, and switching costs included.