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Mortgage knowledge, on the house.

42 in-depth guides — 590 pages of senior-broker thinking, free to read right here. No signup required; a real advisor follows up only if you ask.

Guides are how-to walkthroughs — buying, renewing, refinancing, qualifying. Want market data and rate analysis instead? See mortgage market insights & reports.

42 guides| 590 pages| Free to read, no signup| FSRA-licensed authors

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The First-Time Buyer Roadmap

From renting to keys — a step-by-step Canadian guide

The Renewal Playbook

How to beat your bank's first renewal offer

The Refinance Decision Framework

When the math actually works — and when it doesn't

24 pages· 12 min

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46 guides · 632+ pagesNot sure which one? Ask Maya

All (42)🏠 First-time buyers (7)🔄 Renewals (1)💰 Refinance (10)👔 Self-employed (0)🌍 New to Canada (1)🏢 Investors (2)🏚️ Credit recovery (23)💼 For agents (2)

Featured guides

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The First-Time Buyer Roadmap

28 pages· 14 min

From renting to keys — a step-by-step Canadian guide

Read the guide

Featured

🔄

The Renewal Playbook

22 pages· 11 min

How to beat your bank's first renewal offer

Read the guide

Featured

💰

The Refinance Decision Framework

24 pages· 12 min

When the math actually works — and when it doesn't

Read the guide

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buyer

The First-Time Buyer Roadmap

From renting to keys — a step-by-step Canadian guide

The Renewal Playbook

How to beat your bank's first renewal offer

The Refinance Decision Framework

When the math actually works — and when it doesn't

Buying Your First Home as a Newcomer to Canada

PRs, work-permit holders, and international credit

Building a Real Estate Portfolio in Canada

From your first rental to your tenth

Mortgage After Credit Trouble

No judgment. Just the path forward.

The Mortgage Squad Advisors Commission Blueprint

Up to 100% — published splits, no negotiations

How to Become a Mortgage Underwriter in Canada

The role, whether you need a licence, the pay, and the path to your first job

The Private Mortgage Guide (Canada)

Rates, fees, qualification, risks and exit plans — how private financing really works

Private Mortgage vs. the Alternatives

Bank vs. B-lender vs. private vs. HELOC vs. refinance — which one fits your file

How Foreclosure Works in Canada

Province-by-province timelines, the redemption period, and how to stop a foreclosure

What Is an Alternative Mortgage in Canada?

The plain-language guide to alternative lending — who it helps and the three tiers

How to Refinance From a B-Lender to an A-Lender

The 12–24 month exit strategy from alternative financing back to prime

How Much Does an Alternative Mortgage Cost?

B-lender and private rates and fees, the all-in cost, and how to keep it down

Judgment vs. Writ vs. Lien

What each one is, how it affects your title, and how to clear it

Can I Refinance With a Writ on My Property?

Yes — and the refinance is how the writ comes off your title

Can I Get a Mortgage With a Judgment?

Yes, from an alternative lender — and the mortgage pays the judgment off

How to Remove a Lien From a Property

Pay it, refinance to pay it, dispute it, or let it expire — which route fits

How Does a Judgment Affect a Mortgage?

The two ways a judgment hits a mortgage — credit and title — and the fix

What Is a Writ of Seizure and Sale?

What a writ does to your home, and how to clear it before a sale

Active vs. Discharged Consumer Proposal

How your mortgage options change by proposal stage

Can You Pay Off a Consumer Proposal With Home Equity?

The calculation framework, a worked example, and when it's worth it

How to Rebuild Credit After a Consumer Proposal

The step-by-step rebuild that turns a lender's no into a yes

How Long After a Consumer Proposal Can I Get a Mortgage?

The realistic timeline for private, B-lender and A-lender financing

How to Refinance CRA Tax Debt Before a Lien Is Registered

Use the clean-title window to clear CRA at the lowest cost

How CRA Liens Affect Mortgages

What a CRA lien is, why banks decline it, and how equity clears it

Mortgage Options for HST/GST Debt

Why HST/GST debt is urgent, and how a refinance clears it

How to Refinance Back to an A-Lender After Clearing CRA Debt

The conditions, the timeline, and how to get to prime pricing

How Soon After Bankruptcy Can I Get a Mortgage?

The realistic timeline by lender tier — private, B and A

How to Rebuild Credit After Bankruptcy for a Mortgage

The step-by-step rebuild that turns a lender's no into a yes

Bankruptcy vs. Consumer Proposal for a Mortgage

How each affects credit, timing and your path back to prime

The FHSA Playbook

The First Home Savings Account, maximized

The Down Payment Playbook

Every legitimate source, Canadian-correct

CMHC Insurance, Explained

Premiums, Sagen & Canada Guaranty, and the PST trap

Ontario Land Transfer Tax Guide

Provincial + Toronto MLTT + first-time rebates

The Stress Test Survival Guide

B-20, the qualifying rate, and how to pass

HELOC & the Smith Manoeuvre

Unlocking equity, the tax-smart way

The Reverse Mortgage Guide (55+)

Tax-free equity without selling

Power of Sale in Ontario

Your options before it's too late

Mortgage Solutions for CRA Tax Debt

Settle the debt before the lien

Bad Credit & B-Lender Mortgages in Ontario

Get in now, plan the exit to A-pricing

CMHC MLI Select for Multifamily

Up to 95% LTV + 50-year amortization

18 pages 9 min

Read the guide

In-depth reference guides

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Mortgage knowledge, on the house.

Featured guides

The First-Time Buyer Roadmap

The Renewal Playbook

The Refinance Decision Framework

All guides

The First-Time Buyer Roadmap

The Renewal Playbook

The Refinance Decision Framework

Buying Your First Home as a Newcomer to Canada

Building a Real Estate Portfolio in Canada

Mortgage After Credit Trouble

The Mortgage Squad Advisors Commission Blueprint

How to Become a Mortgage Underwriter in Canada

The Private Mortgage Guide (Canada)

Private Mortgage vs. the Alternatives

How Foreclosure Works in Canada

What Is an Alternative Mortgage in Canada?

How to Refinance From a B-Lender to an A-Lender

How Much Does an Alternative Mortgage Cost?

Judgment vs. Writ vs. Lien

Can I Refinance With a Writ on My Property?

Can I Get a Mortgage With a Judgment?

How to Remove a Lien From a Property

How Does a Judgment Affect a Mortgage?

What Is a Writ of Seizure and Sale?

Active vs. Discharged Consumer Proposal

Can You Pay Off a Consumer Proposal With Home Equity?

How to Rebuild Credit After a Consumer Proposal

How Long After a Consumer Proposal Can I Get a Mortgage?

How to Refinance CRA Tax Debt Before a Lien Is Registered

How CRA Liens Affect Mortgages

Mortgage Options for HST/GST Debt

How to Refinance Back to an A-Lender After Clearing CRA Debt

How Soon After Bankruptcy Can I Get a Mortgage?

How to Rebuild Credit After Bankruptcy for a Mortgage

Bankruptcy vs. Consumer Proposal for a Mortgage

The FHSA Playbook

The Down Payment Playbook

CMHC Insurance, Explained

Ontario Land Transfer Tax Guide

The Stress Test Survival Guide

HELOC & the Smith Manoeuvre

The Reverse Mortgage Guide (55+)

Power of Sale in Ontario

Mortgage Solutions for CRA Tax Debt

Bad Credit & B-Lender Mortgages in Ontario

CMHC MLI Select for Multifamily

In-depth reference guides

A question at midnight? Maya can help.

Looking for a guide we haven't written?