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Securing a Mortgage as a Self-Employed Newcomer in Ontario

Starting a business in a new country is a massive achievement, but when it comes time to buy a home, the lack of a long domestic financial footprint can feel like a roadblock. Traditional lenders oft Read more

Commission Income, Big Swings, and a Brampton Realtor Who Finally Got the Mortgage She Deserved

THE SITUATION There's a certain irony in a real estate agent having trouble qualifying for a mortgage. But for Amara — a busy Brampton agent with five years of experience and a solid book of Read more

How an Incorporated IT Consultant Secured a Mortgage After Being Declined by His Own Bank

There is a unique frustration that comes with being declined by a lender that actually has the exact product needed to approve you. The program exists, and your financial profile fits the criteria Read more

How a Mississauga Restaurant Owner With Three Years of Write-Offs Got Approved for a Refinance

Running a successful restaurant in Mississauga requires carefully managing food costs, staffing, suppliers, and a smart tax strategy that keeps as much capital in your business as possible. But what Read more

Two Years of Inconsistent T4s Didn't Stop This Brampton Freelancer From Buying Her First Home

THE SITUATION Nadia had been freelancing as a graphic designer in Brampton for three years. Her client roster was growing, her income was climbing, and she had finally reached a point where buying Read more

Canadian Housing Market Update: Rates, Sales, and What to Watch Next

Oct 02, 2025. If you’ve been following the headlines, you’ve probably heard the Bank of Canada cut rates again in September. But if you’re wondering whether this really changes Read more

🏡 June 2025 Market Update: Buckle Up—It’s Getting Interesting Again

If you're still losing sleep over inflation, rest easy. Headline inflation held at 1.7% in May. Sounds decent, right? But dig a little deeper, and you’ll find that a chunk of that inflation Read more

Are We There Yet? Real Estate Market Finds Itself in a Holding Pattern

Let’s start with the elephant in the room — interest rates. Many economists almost foresaw that the Bank of Canada would not cut its key policy rate in June. That alone has thrown a Read more

Condo Ownership in Ontario: What You Need to Know Before You Buy.

So, you're considering buying a condo in Ontario? It's a popular choice, especially in urban centers where single-family homes can be pricey. But before you dive in, it's crucial to understand the Read more
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Marlon Fernando

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