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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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moving with a mortgage in Canada

Moving With a Mortgage in Canada: Keep Your Rate

When you move in Canada you have three core paths for your mortgage — port it to the new property, break it and pay a

HELOC vs refinance

HELOC vs Refinance Canada: Which Should You Choose?

A HELOC and a refinance are both ways to borrow against your home equity, but they solve different problems. The right choice depends on whether

can you port a mortgage

Can You Port a Mortgage in Canada? 2026 Rules Explained

▎ Quick Answer Yes — in most cases you can port a mortgage in Canada. The majority of major Canadian lenders allow you to transfer

HELOC

How Much Can I Borrow With a HELOC? (Canada 2026)

Canadian lenders typically cap a standalone HELOC at 65% of your home's appraised value, with total borrowing (mortgage plus HELOC) capped at 80% of home

mortgage consumer confidence

Mortgage Consumer Confidence in Canada: 2026 CMHC Data

Yes, many Canadians are worried about their mortgage payments, but the share has fallen. The CMHC 2026 Mortgage Consumer Survey found that 39% of mortgage

self-employed mortgage

Self-Employed Mortgage Canada: How to Qualify in 2026

Self-employed Canadians can qualify for a mortgage by documenting their income instead of relying on a T4 slip. Lenders typically average the net income on

mortgage renewal payment increase

Mortgage Renewal Payment Increase: How Much in 2026?

Most Canadians renewing in 2025 or 2026 are likely to see their mortgage payment rise. Borrowers coming off a five-year fixed rate typically face an

best mortgage rates

Best Mortgage Rates in Canada (2026) | Compare & Save

Last updated: November 2026 Quick answer As of {{rate:as-of|3 November 2026}}, the lowest rates on the Pegasus rate table are {{rate:5y-fixed|4.29%}} for a 5-year fixed

use rental income to qualify for a mortgage

Use Rental Income to Qualify for a Mortgage in Canada

Yes — you can use rental income to qualify for a mortgage in Canada. This works whether you rent out part of the home you

mortgage rate forecast summer

Mortgage Rate Forecast Summer 2026: Lock or Wait?

Most economists do not expect Canadian mortgage rates to fall this summer. The Bank of Canada is holding its policy rate at 2.25%, and its

mortgage lending in Canada

Mortgage Lending in Canada 2026: Are Lenders Still In?

Yes. Lenders in Canada are still actively financing real estate in 2026, and most major lenders plan to grow their lending this year. Approval still

Ontario mortgage delinquency rate

Ontario Mortgage Delinquency Rates: Is It Getting Worse?

Yes — mortgage problems are getting worse in Ontario and Toronto, but the strain is concentrated, not widespread. As of Q1 2026, Ontario’s 90+ day