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MortgageExpert Team
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MortgageExpert Team
Mortgage Broker vs. Banks: Which One Should You Choose in 2025?
Here’s what we’ll cover: • What’s the Difference Between a Bank and a Mortgage Broker? • Why Do Banks Seem Easier — But Might Not Be Better? • What Mortgage Brokers Do Differently • Are Mortgage Brokers Really Free? •…
Mortgage Pre-Approval in Canada: A 2025 Guide for First-Time Buyers
Here’s what we’ll cover: • What is Mortgage Pre-Approval (And Why It Matters) • How Mortgage Pre-Approval Works in 2025 • What You’ll Need to Get Pre-Approved • Pre-Approval vs. Pre-Qualification: Know the Difference • How Long Does Pre-Approval Last?…
What is the Mortgage Qualifying Rate (MQR) in Canada? A 2025 Guide
Here’s what we’ll cover: • What is the Mortgage Qualifying Rate (MQR)? • Why Does the Stress Test Exist? • How the MQR is Calculated in 2025 • Real-Life Example: Can Vikram & Amrita Qualify for $700,000? • How the…
Mortgage Rate Lock-in in Canada: Should You Lock Your Rate in 2025?
Here’s what we’ll cover: • What is a Mortgage Rate Lock-in? • Why Would You Want to Lock Your Rate? • How Long Can You Lock a Mortgage Rate in Canada? • Real-Life Example: Aarav Secures His Rate Early and…
Mortgage Trigger Rate in Canada: What It Is, When It Hits, and What To Do in 2025
Here’s what we’ll cover: • What is a Mortgage Trigger Rate? • What’s the Difference Between Trigger Rate and Trigger Point? • How the Trigger Rate is Calculated in 2025 • Real-Life Example: Reena & Karan Hit Their Trigger Point…
Porting Your Mortgage in Canada (2025): A Complete Guide to Transferring Without Penalties
Here’s what we’ll cover: • What Does ‘Porting a Mortgage’ Mean? • Why Do People Choose to Port a Mortgage? • How Porting a Mortgage Actually Works in 2025 • Real-Life Example: Kavita and Raj Avoid Penalties by Porting •…
What Makes Mortgage Rates Go Up or Down in Canada? (2025 Explained Simply)
Here’s what we’ll cover: • The Real-Life Impact of Changing Rates • What Affects Fixed Mortgage Rates? • The Bond Yield Connection • What Drives Variable Mortgage Rates? • Role of the Bank of Canada & Prime Rate • Lender…
Interest-Only Mortgages in Canada: A Deep Dive Into Low-Payment Flexibility
What is an Interest-Only Mortgage? An interest-only mortgage is exactly what it sounds like: a home loan where you only pay the interest for a set period — usually between 1 to 7 years. During this time, your monthly payments…
Conventional Mortgages in Canada: Are They Still Worth It in 2025?
What is a Conventional Mortgage? A conventional mortgage — sometimes called an “uninsured mortgage” — is one where the borrower makes a down payment of at least 20% of the purchase price. That higher down payment acts as a buffer…
5 Clever Hacks to Pass Canada’s Mortgage Stress Test (Without Losing Your Mind)
Buying a home in Canada is already stressful enough — throw in the mortgage stress test, and it can feel like the system’s working against you. This test, officially introduced to protect both borrowers and lenders from future interest rate…