Richards Mortgage Group Articles

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

How to get started in real estate investing in Canada, for first-time buyers.

What does the ‘lowest Canadian mortgage rate’ really mean?

Boost Your Retirement with Revenue Property: A Smart Investment Strategy

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

Early Mortgage Renewal / Refinance

Using Foreign-Earned Income to Purchase a Home in Canada

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

Making Extra or Lump-Sum Mortgage Payments

Mortgage Loan Amount

Contract Term & Payout Penalties

Mortgage Amortization Period

More About Mortgage Broker vs Bank

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

Collateral vs Standard Charge Mortgages

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....

I'm be better off in my own home, thank-you.

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...

Financing Modular, Manufactured, Mobile and RTM Homes

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

Mortgage Glossary

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?

Secured Credit Cards

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

About Down Payment

Mortgage FAQs

Home Buyers’ Plan

Mortgage Payment Parts: Interest vs. Principal

About Mortgage Default Insurance

Mortgages for Self-Employed

How to Improve Your Credit Rating

Down Payment Assistance Programs

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)

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