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Yes, generally speaking, parents can gift you all or part of your downpayment towards your purchase. In order to satisfy lender conditions for accepting gifted…
On July 19th, 2018, CMHC announced changes for self-employed borrowers qualifications. These changes will make it easier for self-employed Canadians to qualify for a mortgage. In the announcement, CMHC declared "Self-employed Canadians represent a significant part of...read more
WHAT IS A MONOLINE LENDER? When you use a licensed Mortgage Professional, you will get access to their vast network of lending partners. These partners include Chartered Banks, Credit Unions, Monoline Lenders, and private lenders. This post will focus on monoline...read more
WHAT IS A COLLATERAL CHARGE MORTGAGE? Your mortgage gets registered with the Land Title Office in one of two ways: a standard charge or a collateral charge. This post will focus on the latter. So what exactly is a collateral charge mortgage? Most Banks and Credit...read more