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Darren Robinson

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If you’re thinking of buying a home but you don’t think you can get a mortgage with no credit history, you aren’t alone. Many Canadians are in this position, including newcomers, young adults, and people who have always paid for things in cash. While not having credit can make the process harder, it does not mean buying a home is impossible. With the right approach and guidan...


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Time to look into my crystal ball and see what the 2026 mortgage market has in store! Looking back, the 2025 real estate market was a rocky one and most Canadian homeowners felt like they’d been through the wringer. Interest rates had finally stopped climbing, but they were still a far cry from the record lows of the pandemic years. House prices dropped as well but inventory ...


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Sometimes refinancing a mortgage makes sense, even if your mortgage term isn’t up yet. I see this often with Ontario homeowners whose finances, family needs, or long-term plans have changed since they first signed their mortgage. Refinancing can be a practical way to realign your mortgage with your life, but the key is knowing when it actually makes sense. 

At its...


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A mortgage with student loan debt is a reality for many Canadians, especially those who pursued post-secondary education before entering the housing market. Buying a home and paying off student loans often happen around the same stage of life, and while juggling both can feel like a lot, it doesn’t automatically put homeownership out of reach.

So, the question ...


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