Pegasus Blog

A standard charge registers the exact amount you borrow and can typically be moved to a new lender at renewal with minimal cost. A collateral

In Canada, a mortgage co-signer and a guarantor both help a borrower qualify, but their legal position is different. A co-signer is a full co-borrower

In a sentence: Since November 21, 2024, most uninsured Canadian borrowers can switch mortgage lenders at renewal without repeating the OSFI B-20 stress test, as

Canada's benchmark home price rose in July 2026 for the first time in 20 months, and home sales climbed for a fourth consecutive month while

A Canadian household typically needs roughly $130,000 to $165,000 in qualifying gross income to buy an average-priced home nationally in mid-2026. Quick answer A Canadian

Can I renew with a B lender in Canada? Yes — B lenders (regulated trust companies, credit unions, and mortgage investment corporations such as MCAP,

Yes — you can get a mortgage in Canada while carrying student loan debt, and most first-time buyers do. Lenders do not treat student loans

Private mortgages in Canada typically cost 8% to 15% in annual interest. A lender fee of 1% to 4% and a broker fee of 1%

To avoid mortgage fraud in Canada, verify every mortgage professional you speak with against their provincial regulator’s public license registry — in Ontario, that’s FSRA’s

Yes, you can get a mortgage after a consumer proposal in Canada. Timing and lender choice depend on where you are in the process: private

An alternative mortgage lender in Canada is a regulated non-bank lender that finances borrowers who do not fit the credit, income, or down-payment rules used

The five-minute check Every mortgage broker in Canada must be licensed by their provincial regulator. In Ontario, verify at FSRA's public registry (fsrao.ca) — search