https://creditus.ca/blog Expert mortgage advice for GTA and Ontario homeowners. Covers first-time buying, renewals, self-employed mortgages, and investment properties. en-CA Mon, 20 Apr 2026 12:00:00 +0000 https://creditus.ca/og-image.png https://creditus.ca/blog https://creditus.ca/blog/first-time-buyer-guide-ontario A complete guide for first-time home buyers in Ontario. Covers down payments, pre-approval, FHSA, RRSP HBP, the stress test, and closing costs. Thu, 10 Jan 2025 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/first-time-buyer-guide-ontario https://creditus.ca/blog/mortgage-renewal-checklist-canada Don't auto-renew your mortgage. Use this checklist to prepare 120 days early and potentially save thousands on your renewal in Ontario and the GTA. Sun, 15 Dec 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/mortgage-renewal-checklist-canada https://creditus.ca/blog/fixed-vs-variable-mortgage-canada Fixed or variable rate? The choice affects your payments for 1-5 years. Learn the key differences, historical data, and how to decide in 2026. Fri, 15 Nov 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/fixed-vs-variable-mortgage-canada https://creditus.ca/blog/bridge-financing-ontario Bridge financing helps you close on a new home before your current one sells. Learn how bridge loans work, costs, and when to use them in Ontario. Wed, 30 Oct 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/bridge-financing-ontario https://creditus.ca/blog/mortgage-stress-test-canada-explained The mortgage stress test requires all Canadian borrowers to qualify at a rate higher than their contract rate. Learn how it works and how to prepare. Mon, 28 Oct 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/mortgage-stress-test-canada-explained https://creditus.ca/blog/refinance-break-even-penalty-canada Calculate when your mortgage refinance pays for itself. Includes break-even analysis for penalty costs, rate savings, and closing costs. Thu, 20 Oct 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/refinance-break-even-penalty-canada https://creditus.ca/blog/closing-costs-ontario-checklist Budget 1.5-4% of purchase price for closing costs in Ontario. This checklist covers land transfer tax, legal fees, title insurance, and more. Tue, 15 Oct 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/closing-costs-ontario-checklist https://creditus.ca/blog/what-affects-mortgage-rates-canada Bank of Canada policy rate, bond yields, credit scores, property type — learn what drives mortgage rates and how to get a better deal. Sat, 12 Oct 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/what-affects-mortgage-rates-canada https://creditus.ca/blog/down-payment-savings-strategies FHSA, RRSP HBP, gifted down payments, and more. Strategies to reach your down payment goal faster in the GTA housing market. Wed, 08 Oct 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/down-payment-savings-strategies https://creditus.ca/blog/renewal-negotiation-tips Your lender's renewal offer is a starting point, not a final answer. Learn how to negotiate a better rate and avoid auto-renewal traps. Mon, 05 Oct 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/renewal-negotiation-tips https://creditus.ca/blog/debt-consolidation-mortgage Consolidate high-interest debt into your mortgage. Lower your monthly payments and simplify your finances with a debt consolidation refinance. Thu, 01 Oct 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/debt-consolidation-mortgage https://creditus.ca/blog/self-employed-mortgage-guide Self-employed? No T4? No problem. Learn how to qualify for a mortgage with stated income, contractor income, and alternative documentation. Mon, 28 Sep 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/self-employed-mortgage-guide https://creditus.ca/blog/stated-income-mortgages Stated income mortgages let you qualify based on what you declare, not what you prove. Learn who qualifies, rates, and how to apply in Canada. Wed, 25 Sep 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/stated-income-mortgages https://creditus.ca/blog/investment-property-financing Investment property mortgages have different rules than primary residence. Learn about down payments, rental income qualification, and rental property strategy. Sun, 22 Sep 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/investment-property-financing https://creditus.ca/blog/rental-property-tax-deductions Canadian landlords can claim significant tax deductions on rental properties. Learn about CCA, operating expenses, and tax strategy for rental properties. Thu, 19 Sep 2024 00:00:00 +0000 Manmit Singh https://creditus.ca/blog/rental-property-tax-deductions