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Pegasus Mortgage Lending Center Inc.

Pegasus Blog

Ontario OCASE Tax Credit Changes: Will You Still Qualify?

If your hours have been cut in Ontario and you have not yet missed a mortgage payment, you are in the widest-option window — act in that window, not after a missed payment shows on your credit file. Call your

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Solar Panels & Mortgage Approval

Solar Panels & Mortgage Approval in Canada

In Canada, solar panels can affect mortgage approval based on how the system is owned. An owned solar system generally does not block approval and

30-Year Mortgage

30 Year Mortgage on a Duplex or Triplex in Canada

Yes — Canadians can get a 30-Year Mortgage amortization on a duplex or triplex, but eligibility is gated by four conditions: the property must be

collateral charge vs standard charge

Collateral Charge vs Standard Mortgage Charge Canada

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

co-signer vs guarantor

Co-Signer vs Guarantor Mortgage Canada: Risks & Rights

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

bank or switch lenders

Renew With Your Bank or Switch Lenders? (Canada 2026)

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

canadian housing market recovery

Is the Canadian Housing Market Recovering in 2026?

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

income needed to buy a house

Income Needed to Buy a House in Canada 2026

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

B-Lender Mortgage Renewal

B-Lender Mortgage Renewal in Canada: Costs & Exit Plan

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

student loan debt

Mortgage With Student Loan Debt in Canada (2026)

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 mortgage cost

Private Mortgage Cost Canada: Rates, Fees & Risks 2026

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%

mortgage fraud

How to Avoid Mortgage Fraud in Canada: A 2026 Buyer's Guide

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

consumer proposal

Mortgage After Consumer Proposal Canada: 2026 Guide

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