Richards Mortgage Group Blog

A wealth of information for anyone looking to apply for a mortgage to purchase or refinance a property. Subscribe to get updates.

How to Kick-start your BRRRR real estate investment strategy in Canada

Financing Home Renovations in Canada: A Comprehensive Guide

Mortgage Preparations when Immigrating or Relocating to Canada

Managing Your Next Mortgage Renewal in a Higher Interest Rate Environment

Some exemptions to Canada's two-year ban on Non-Canadian purchases of Residential Real Estate

Use your pre-sale condo purchase equity as your mortgage down payment

I thought I was already pre-approved for a mortgage!

To sell the house, or turn it into a rental, that is the question?

Mortgages & Pre-Retirement Planning

Get a Mortgage for Vacant Land at a Great Rate!

6 Reasons Why the Best Mortgage For You Might Not Be the One With the Lowest Rate

How to Get Pre-Approved for a Mortgage

Your Home Buying Team - Who they are & what they do

Understanding Conditions of Financing - The Dos & Don'ts

Using Foreign-Earned Income to Purchase a Home in Canada

How to Reduce Debt to Get a House - Understanding Debt Service Ratios

Can I use my RRSP to buy a home?

Out of Sight - Out of Mind: How to Save for a House Down Payment

How does a Consumer Proposal affect getting a mortgage?

Can a Resident Doctor Get a Mortgage in Canada?

How to Access Your Credit Report

What's the Best Mortgage Rate?

How to Avoid CMHC Fees (or Should I Care)?

Mortgage your Inheritance? Probate & FAQs

The Best Canadian Cities to Invest In?

Is there such thing as a Zero-Down Mortgage?

Canadian Mortgage Qualification Rules Change ... Again

Does the Bank of Canada set Mortgage Interest Rates?

Get the Horse Before the Cart - Why a Pre-Approval Should Be the First Step for Buyers

Mortgage Down Payment in Canada? It Depends....

Reverse Mortgages, a Money Strategy for Seniors

Not what you expected? Mortgages for Self Employed and those Earning Tip Income

How to Save Money at Mortgage Renewal Time

How to Finance Home Renovations

Term of a Mortgage Contract – Does it Matter?

How to Choose a Home Inspector

A Changing Mortgage Lending Landscape

CANADIAN MORTGAGE QUALIFICATION CHANGES - OCT 2016

Mortgage for Flipping Houses in Canada

Mortgage and Buying a Property in Mexico

My first home was in a mobile home park...

How to Get a Mortgage for an Acreage

Building Your Dream Home - New Construction Mortgages

Canadian Mortgage Options for Buying Foreign Property

Stop Paying Rent - Buy a Home with a Rental Suite Instead

Divorce and Keeping the House

Smith Maneuver and a Tax Deductible Mortgage

Mortgage Broker or Bank - Does it Matter?

How to Finance Home Improvements

5 Steps on How to Buy a House in Canada

What are permitted Down Payment Sources for a Mortgage in Canada?

Understanding a Debt Consolidation Mortgage

Fix My Credit with the Credit Reporting Act

5 Cash Crunch Considerations for Self Employed Mortgage Holders

Can You Get a Mortgage with Unpaid Income Taxes?

Buying your first house? 5 Golden Rules for Getting a Mortgage

Retail energy contracts for first time home buyers (and renters)

Short-term mortgage vs. longer-term mortgage - which one?

Can I Get a Mortgage? - Down Payment Ideas

What Are the Down Payment Requirements for an Alberta Mortgage?

Scanning Documents for Your Mortgage Broker the E-Z Way

Money can't buy you happiness, but it sure helps to get a mortgage!

Mortgage-Break Penalties Don't Need to Be So Complicated!

How to Get a Mortgage: How Much House Can You Afford?

Understanding Your Credit Rating So That You Can Get a Mortgage

Can I Get a Mortgage? Can You Save a Down Payment?

Selecting a Canadian Mortgage Broker or Bank in Canada: Which is Right For You?

Tax Credits for First Time Home Buyers

Rule Changes for the Self Employed Mortgage (2013)

First Time Home Buyer  - RRSP Down Payment Made Easy

Closing and Other Costs for First Time Home Buyers

How to Prepare for Financial Uncertainty

Mortgage Amortization – First Time Homebuyer Overview

Choosing a Home Inspector for First Time Home Buyers

Ready to be a Homeowner, or is Renting still right for You?

How to Fast Track the Home Buying Process!

"Stated Income" for Mortgage Purposes Might be on Endangered List

So you want to buy a vehicle **and** a house - which first?

Improve My Credit Score: What Makes Up My Score Anyway?

Important mortgage features for first time home buyers

Building Your Credit Rating so You can Buy a House

How first time home buyers can improve their credit score fast!

Can I get a mortgage after bankruptcy?

What kinds of Income can I use to qualify for a mortgage?

Employment Requirements to Get a Mortgage

How do I repair my credit so that I can buy a house?

Cash back from the builder/vendor – can I do that?

Is the purchase price important?

Stated-income mortgages now require 10% down payment

Impact of new CMHC mortgage qualification rules

How Much Can I Afford in a Rent-to-Own House?

Rent-to-Own Frequently Asked Questions

What if I have very bad or no credit?

Value of full-time permanent employment

7% Rule: Minimize Consumer Debts to Qualify for a Bigger House

Multiple Bankruptcy – Is there Mortgage Hope?

Raising the minimum down payment?? Federal Finance Minister

What is a Debt Service Ratio?

What’s a down payment?

Damaged Credit – Can You Buy a Home?

How Much Can You Afford – Is Your Debt Load too High?

First-Time Home Buyer 's Tax Credit (HBCT)

All posts