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Pegasus Mortgage Lending Center Inc.

Pegasus Blog

Consolidate Credit Card Debt With Your Mortgage (Ontario)

For most Ontario homeowners carrying credit card balances at 19.99–29.99% interest, rolling that debt into a mortgage can cut the monthly cost significantly because mortgage rates are typically a fraction of credit card rates. The three usual routes are a

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How Long Does a Mortgage Rate Hold Last in Canada?

A mortgage rate hold in Canada typically lasts 90 to 120 days from the date your pre-approval is issued. Some lenders extend holds to 130

Mortgage Rate Lock vs Float Down in Canada: 2026 Guide

In Canada, a mortgage rate lock (also called a rate hold) typically secures your quoted rate for 90 to 120 days while you shop or

Mortgage Renewal Statement: What Must Be Included (Canada)

In Canada, a mortgage renewal statement from a federally regulated lender must disclose the remaining principal balance, the new interest rate, the payment amount and

Switching Mortgage Lenders at Renewal: Is It Worth It?

Last updated · October 2026 Quick answer Switching mortgage lenders at renewal is often worth it when the rate savings over the new term clearly

Modular & Manufactured Home Mortgages Canada 2026

Disclaimer. This article is for informational purposes only and does not constitute financial advice. Speak with a licensed mortgage professional before making any mortgage decisions.

Co-Ownership of a Home in Canada: How It Works (2026)

Co-ownership in Canada — the short version Co-ownership means two or more people share both the title and the mortgage on a single Canadian property.

Gen Z Home Buyers in Canada: How They Make It Work

Gen Z Canadians are reaching homeownership by making three trade-offs at once: cutting lifestyle spending to grow a down payment, accepting higher mortgage rates than

Property Flipping Tax Canada: The 365-Day Rule Explained

This article is for informational purposes only and does not constitute financial, tax, or legal advice. Speak with a licensed mortgage professional and a qualified

Principal Residence Exemption & Cottages in Canada

This article is for informational purposes only and does not constitute financial or tax advice. Speak with a licensed mortgage professional before making any mortgage

GST/HST Instalment Due Oct 31, 2026: What You Owe

The third GST/HST instalment for 2026 is due October 31, 2026 , covering the July–September quarter. Annual filers whose net GST/HST owing was $3,000 or

Productivity Mega Deduction Canada: Is It Permanent Now?

Yes — if enacted as proposed, Canada’s Productivity Mega Deduction is a permanent measure, not a temporary one. Announced by Prime Minister Mark Carney on

How Many Homes Does Canada Need to Build? CMHC 2026

Canada needs to build between 417,000 and 469,000 new homes every year through 2036 to restore housing affordability to pre-pandemic (2019) levels, according to CMHC's