HH Mortgages journal
Mortgage guidance,
without the jargon.
Useful explanations, practical planning ideas, and honest answers for homebuyers and homeowners across Ontario.
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Can You Take Over the Seller’s Mortgage in Canada?
An assumable mortgage may let you take over the seller’s loan, with lender approval. Check the funding gap, terms and seller release before you rely on it.
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Do You Need Title Insurance for a Mortgage in Ontario?
Title insurance is not generally mandatory in Ontario, but a lender may require a policy. Check who is insured, what is covered and the closing cost.
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Biweekly vs. Accelerated Biweekly Mortgage Payments in Canada
Every two weeks does not always mean the same annual cost. Compare regular and accelerated biweekly mortgage payments with a clear example.
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Do You Need Mortgage Life Insurance in Canada?
Mortgage life insurance is optional. See who receives a claim, how it differs from default insurance, and five questions to ask before you agree.
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Mortgage Cash Back in Canada: Is the Upfront Money Worth It?
A cash-back mortgage may help with upfront costs. Compare the interest, permitted use and possible repayment if you leave early.
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Open vs. Closed Mortgages in Canada: Which Flexibility Do You Need?
Open or closed mortgage? Learn how repayment flexibility, prepayment charges and your timeline affect the choice before you sign.
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Buying a Resale Condo in Ontario: Status Certificate and Mortgage Questions
Buying a resale condo in Ontario? See what the status certificate covers and why legal review and mortgage approval follow separate tracks.
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Mortgage Approval Before the Financing Deadline
Mortgage approval still pending before your Ontario financing condition expires? Learn what to ask your lender and when to involve your agent and lawyer.
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Can Rental Income Help You Qualify for a Mortgage in Canada?
Can rent from a suite or rental property help you qualify for a mortgage? Learn how the calculation and documentation can differ in Canada.
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Worried About Missing a Mortgage Payment in Canada? Start Here
Worried you may miss a mortgage payment? Learn when to call your lender, what relief to ask about and which costs to compare before agreeing.
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