Did you know some lenders register all their mortgages as collateral charges – including major banks like TD? If you’re refinancing, renewing, or applying for a new mortgage, this detail could affect how easily you access your home equity or switch lenders down the road. Yet many borrowers only learn about this after the fact […]

If you’re thinking about buying a home, one of the smartest first steps is getting pre-approved for a mortgage. But what exactly do lenders evaluate before approving your application Mortgage professionals rely on the “Five Cs of Credit”- a framework used to assess your financial health and readiness for a mortgage. By understanding these factors, […]