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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Collateral Charge Mortgages: Switching Lenders in Canada
A collateral charge does not prevent a lender switch, but linked debts and discharge costs matter. Learn what to check before renewal in Canada.
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Getting a Mortgage When You Are Self-Employed in Canada
Self-employed and planning a home purchase? Learn which income and business records lenders may ask for, including if your business is newer.
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What Happens If a Home Appraisal Comes in Low in Ontario?
A home appraisal below your Ontario offer price can change the mortgage. See a cash-gap example and practical steps before your financing deadline.
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Can You Get a Mortgage With Student Loans in Canada?
Student loans do not automatically block a Canadian mortgage. See how monthly payments affect qualification and what to compare before paying a loan down.
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Co-Signer or Co-Borrower for a Mortgage in Canada?
Considering a co-signer or co-borrower for a Canadian mortgage? Learn about shared debt responsibility, title, missed payments and release options.
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Changing Jobs Before Closing a Mortgage in Canada
Changing jobs before closing a mortgage in Canada? Learn what to disclose, which documents a lender may request and why pre-approval is not final approval.
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Deposit vs. Down Payment in Ontario
Is a home deposit extra cash? Learn how an Ontario purchase deposit relates to your down payment, when each is due, and what to check before an offer.
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Mortgage Prepayment Privileges in Canada
How much extra can you pay on a Canadian mortgage without a penalty? Compare lump sums, payment increases, annual limits and the contract details to check.
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Gifted Down Payment in Canada: Documents and Rules
Using a family gift for a down payment in Canada? Learn who may give it, what a gift letter should say, and how to document the transfer.
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Newcomer Mortgage in Canada: How to Qualify
New to Canada? Learn how immigration status, credit, income, down payment and Ontario purchase rules affect mortgage qualification.
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