Mortgage Qualification Tips

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Qualifying for a Mortgage after Bankruptcy
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Understand why a smaller bankruptcy can actually be harder to overcome than a larger one when applying for a mortgage.

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The BoC Held Rates — But Read the Fine Print
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The Bank of Canada held at 2.25% — but markets are pricing a hike by December. Here's what Macklem said, what he didn't, and how to choose your term.

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Income Gross-Up for Mortgage Qualification in Canada
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Certain incomes can be grossed up to boost your mortgage qualifying power. Learn which sources qualify and what lenders allow.

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Canada May Jobs Report 2026: Finally – some good news!
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Canada added 87,800 jobs in May — the strongest gain since 2024. Here's what it means for interest rates, housing, and your mortgage.

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Oil Shock, U.S. Data & Canadian Mortgage Rates
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A Middle East flare-up sent oil prices soaring this week — and Canadian mortgage rates felt it. Here's what it means for your renewal or purchase.

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PTT & GST Exemptions for BC and Alberta Home Buyers
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Learn how BC's PTT exemptions and the new 2025 federal GST rebate could save first-time buyers over $60,000. Marko Gelo breaks it all down.

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Canada’s Economy Had a Bad Quarter, Then April Walked In Smiling
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Canada’s latest GDP report showed weakness, including a sharp drop in residential investment. But with April showing signs of strength, rate cuts are not ...

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Why Mortgage Qualification Feels Like Being Put on Trial
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Mortgage qualification can feel like being put on trial. From income documents to down payment paper trails, lenders are asking more questions than many ...

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The Canadian Mortgage Market Is Quietly Changing
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Canada’s mortgage market is changing beneath the surface. Some financing options are opening up, while others are becoming harder to access. Here’s what ...

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The Mortgage Problems Nobody Warns You About During a Divorce
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Divorce is emotional — but mortgage qualification is mathematical. In this article, Marko Gelo explains three major mortgage problems that separating couples ...

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