Mortgage strategy, GTA-style.
Practical, no-fluff guides to navigating today's mortgage market — written for Toronto and GTA homeowners by Anthony R Coletta.
First-Time Home Buyers in the GTA: Every 2026 Program You Should Know
FHSA, RRSP Home Buyers' Plan, the new 30-year amortization, Land Transfer Tax rebates — every first-time buyer benefit available in Ontario, in plain English.
The Mortgage Stress Test in 2026: Still Here, Still Mattering
OSFI confirmed in early 2026 that the mortgage stress test isn't going anywhere. Here's how it actually works in today's rate environment, and how to qualify for the home you want.
Refinancing Your Mortgage in Toronto: When the Numbers Actually Work
Should you refinance? The honest answer involves penalty calculations, break-even analysis, and lifetime interest costs — not just a lower rate. Here's how to know.
Private Mortgages in Ontario: When They Make Sense (and When They Don't)
Private lending isn't a last resort — it's a strategic tool when timing, credit, or income makes traditional banks impossible. Here's the honest framework for when it works.
Debt Consolidation Through Your Mortgage: How GTA Homeowners Save $1,800+ a Month
Roll high-interest credit card and line-of-credit debt into your mortgage. The math, the qualification process, and the behaviour change required to make it actually work.
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