A HELOC is like giving yourself a giant credit card backed by your home. Flexible, lower cost, and powerful - but only if you use it wisely. Here’s how HELOCs work in Canada and when they make sense.

A refinance replaces your current mortgage with a brand new one — often to lower your rate, access equity, or consolidate debt. Here’s how refinancing works in Canada, what it costs, and when it makes sense.

Reverse mortgages are marketed as “tax-free cash with no monthly payments” but what does that actually mean? Here’s how they work, who they’re for, and what you need to watch out for.

The Big 5 banks dominate the ads, but monoline lenders like MCAP and First National dominate the broker world. With fairer penalties, faster service, and competitive rates, here’s why they’re often the smarter mortgage choice.

Mortgage brokers are usually free for clients, but lenders pay us for sending them qualified deals. Here’s how broker commissions work, when fees apply, and why banks actually prefer paying brokers over finding clients on their own.

Crypto is becoming mainstream in Canada, but lenders are still cautious. Here’s how to turn your digital assets into a mortgage down payment, what new OSFI rules mean, and the safest ways to use crypto in home buying.